BNDES · official catalog Public credit and blended instruments

BNDES Navigator: the 171 forms of financing

Complete sweep of the official BNDES catalog: 154 solutions not marked as expired in the Navigator and 17 marked as temporary or discontinued, organized by sector and purpose. Tecbank confirms effective availability before any move.

Nature	Official catalog of financial solutions (public credit, guarantees and blended instruments)
Funding source	BNDES and partners, according to each solution
Where to apply	BNDES directly, accredited financial agents or platforms, according to the solution
Status	Extracted from the BNDES Financing Navigator on November 2, 2026

How to read this catalog

154 solutions not marked as expired in the Navigator on November 2, 2026, with the official summary of each one. The Navigator marking does not prove an open budget or effective contracting - Tecbank confirms case by case.
17 temporary or discontinued: identified as expired by BNDES itself.
Counts: the totals 171, 154, 65 (with MSME conditions) and 17 count each solution once; as in the official filter, each solution appears in every category it applies to - 519 combined appearances across categories.
Navigation: use the search or tap a category to open; the groups open and close.

Infrastructure (61)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES Exim Post-shipment Goods: Financing for the export of national goods and associated services.
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES FUST Automático - FUST Connectivity Credit: Finances, with standalone working capital credit, Telecommunications Service Providers (PSTs) sized as Micro, Small and Medium Enterprises (MSMEs) that have made recent investments in access expansion.
BNDES FUST Automático - FUST Emergencial: Finances, through standalone working capital, the restoration of the operating capacity of Telecommunications Service Providers (PSTs) of Micro, Small and Medium size (MSME) in areas affected by calamities, public emergencies or disasters.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame BK Acquisition and Sale: Financing for the acquisition and sale of machines, equipment, industrial systems, IT and automation goods, buses, trucks and executive aircraft.
BNDES Finem - Electricity storage: Support investments in the implementation, expansion or modernization of electricity storage assets, with the goal of preserving adequate electricity supply.
BNDES Finem - Credit for Acquisition of Machines and Vehicles (associated with Projects) Direct: Financing for the acquisition of machines and equipment.
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Electricity Distribution: Financing for the expansion and modernization of the country's power distribution infrastructure.
BNDES Finem - Power generation: Financing for the expansion and modernization of power generation infrastructure from renewable sources and natural gas thermal plants in the country.
BNDES Finem - Logistics Infrastructure: Financing for the expansion and modernization of the country's logistics infrastructure (highways, railways, waterways, ports, airports and logistics operator terminals).
BNDES Finem - Infrastructure for natural gas distribution and expansion of the vehicle supply network: Support the implementation, expansion or modernization of infrastructure and/or services for the distribution of piped, compressed and liquefied natural gas.
BNDES Finem - Infrastructure for outflow and transport through pipelines, liquefaction and regasification terminals for natural gas, biogas, biomethane: Support the implementation, expansion, modernization, construction and assembly of infrastructure and/or services for outflow and transport through pipelines, liquefaction and regasification terminals.
BNDES Finem - Infrastructure for processing and compression of natural gas, biogas, biomethane and storage of natural gas and natural gas liquids: Support the implementation, expansion, modernization, construction and assembly of infrastructure and/or services for processing and compression units.
BNDES Finem - Investments in the O&G, Automotive and Rail supplier chains: Financing to expand the supplier chain of goods, components and services for the O&G, Automotive and Rail industries.
BNDES Finem - Corporate social investments (ISE line): Financing for social projects and programs to be carried out by companies, associations and foundations of all sizes.
BNDES Finem - Environment: Financing for investments in sustainability.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Recovery and Conservation of Ecosystems and Biodiversity: Financing for ventures that restore areas in Brazilian biomes, recover and conserve forest ecosystems and biodiversity, or promote their sustainable management in line with legislation.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Finem - Urban mobility: Financing for public-interest investment projects related to urban mobility.
BNDES Finem - Production and decommissioning of oil and natural gas production systems: Financing for the implementation, expansion, modernization, construction, integration and assembly of facilities and/or services in activities for the development of oil and gas production.
BNDES Finem - Sanitation: Financing for public or private investment projects aimed at universalizing access to basic sanitation services and recovering environmentally degraded areas.
BNDES Finem - Public Security: Financing for public security.
BNDES Finem - Telecommunications: Financing for universalizing broadband and for the expansion and modernization of telecommunications infrastructure.
BNDES Finem - Power transmission: Financing for the expansion and modernization of the country's power transmission infrastructure.
BNDES Garantia: Provision of a fidejussory guarantee by BNDES, which takes responsibility for paying pecuniary obligations assumed by Clients toward Creditors. The obligations may derive from Credit Operations or from breach of performance obligations.
BNDES International Technical Advisory Services: Provision of international technical advisory services with the aim of mobilizing external capital for projects that promote Brazilian economic and social development.
BNDES Credit Limit: Revolving credit intended for carrying out current investments.
BNDES Machines and Services: Single credit limit to be used for financing: (i) acquisition, sale or production of national machines and equipment; (ii) acquisition of national industrialized materials; (iii) acquisition of national services; and (iv) acquisition of equipment.
BNDES Project Finance: Financing for a project, contractually supported by its cash flow and secured by its assets and receivables.
BNDES Pró-Transporte: Financing aimed at improving urban mobility in Brazilian cities, with FGTS funds.
BNDES Pró-Transporte: Urban mobility investment projects: Support for investment projects related to public transport systems; road qualification; non-motorized transport; studies and projects; urban mobility plans; and institutional development.
BNDES Pró-Transporte: Fleet Renewal (Refrota): Support for fleet renewal for public transport operations.
BNDES Ecological Restoration: Non-reimbursable support for biome restoration projects in Brazil (except the Amazon biome).
BNDES Sanitation for All: Financing aimed at improving the population's health conditions and quality of life, through investments for universalizing and improving public basic sanitation services, with FGTS funds.
BNDES International Technical Advisory Services: Provision of international technical advisory services aimed at mobilizing external resources for projects that promote the country's economic and social development.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
FIIS - Support for investments in Goods - Machines and equipment: Credit limit to support the acquisition of machines and equipment related to social infrastructure, education and health.
FIIS - Support for investments in Education: Support investment projects and the acquisition of machines and equipment linked to universalizing early childhood, primary and secondary education.
FIIS - Support for investments in Health: Support investment projects and the acquisition of machines and equipment aimed at free public care within the Unified Health System (SUS), focused on primary and/or specialized care.
FUST BNDES - Telecommunications Services Universalization Fund - Sale: Credit limit starting at R$ 10 million to finance the sale of machines and equipment, aiming to promote the expansion, use and quality improvement of telecommunications networks and services.
FUST BNDES - Telecommunications Services Universalization Fund - Data Center and Network Core: Financing starting at R$ 10 million for investments in the construction, expansion and modernization of data centers and network cores.
FUST BNDES - Telecommunications Services Universalization Fund - Emergency: Financing starting at R$ 10 million for investments to restore the operating capacity of PSTs in areas affected by calamities, public emergencies or natural disasters.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
Investment in infrastructure and/or services for the distribution of oil derivatives and biofuels, terminals and distribution bases: Support for the implementation, expansion or modernization of infrastructure and/or services for the distribution of oil derivatives and biofuels.
Investment in infrastructure and/or services for the outflow and transport of oil, its derivatives and biofuels: Support for the implementation, expansion or modernization of infrastructure and/or services for the outflow and transport of oil, its derivatives and biofuels.
Investment in facilities and/or services for oil refining, biorefineries, hydrogen production and storage of oil derivatives and fuels: Support for the implementation, expansion, modernization, construction, integration and assembly of facilities and/or services for oil refining and related activities.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.
BNDES Mais Mobilidade Program: Acquisition of new and pre-owned trucks and truck-tractors, new road implements, plus new buses and minibuses, aimed at fleet modernization and emissions reduction.
BNDES Fleet Renewal Program: Acquisition of new or pre-owned trucks for fleet renewal.

Industry, commerce and services (55)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES Digital Credit: Loan for individual microentrepreneurs and micro, small and medium-sized companies, contracted in a fully digital environment, through digital platforms made available by accredited financial agents.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES Debentures in Public Offerings: Subscription of simple corporate and infrastructure debentures, with incentives for ESG practices (environmental, social and governance).
BNDES Exim Indirect Pre-shipment: Financing for the production of goods for export, through a financial institution accredited to BNDES.
BNDES Exim Post-shipment Automatic: Financing for the export of goods manufactured in Brazil, through the discounting of a letter of credit issued by a foreign bank enabled by BNDES.
BNDES Exim Post-shipment Aircraft: Financing for the export of civil aircraft and aeronautical engines, as well as associated services.
BNDES Exim Post-shipment Goods: Financing for the export of national goods and associated services.
BNDES Exim Post-shipment Services: Financing for the export of national services, including nationally manufactured goods to be used and/or incorporated into the venture.
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finame BK Acquisition and Sale: Financing for the acquisition and sale of machines, equipment, industrial systems, IT and automation goods, buses, trucks and executive aircraft.
BNDES Finem - Support for national engineering: Financing for engineering projects and services in strategic sectors, aiming to stimulate the improvement of technical skills and knowledge in the country. (Former BNDES Proengenharia)
BNDES Finem - Cultural and editorial content: Financing for the production and distribution of cultural and editorial content (except investments in innovation and education).
BNDES Finem - Credit for Acquisition of Machines and Vehicles (associated with Projects) Direct: Financing for the acquisition of machines and equipment.
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Design and brand strengthening: Financing for investments in design and brand strengthening aimed at the development, quality improvement and differentiation of products. (Former BNDES Prodesign)
BNDES Finem - Education, Health and Social Assistance: Financing for the improvement and expansion of education, health and social assistance services.
BNDES Finem - Cultural infrastructures: Financing for investments in cultural infrastructures and the revitalization of Brazilian cultural heritage.
BNDES Finem - Corporate social investments (ISE line): Financing for social projects and programs to be carried out by companies, associations and foundations of all sizes.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Recovery and Conservation of Ecosystems and Biodiversity: Financing for ventures that restore areas in Brazilian biomes, recover and conserve forest ecosystems and biodiversity, or promote their sustainable management in line with legislation.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Finem - Production of pharmaceuticals and medicines: Financing for the development, modernization and expansion of production capacity for pharmaceuticals, medicines, medical equipment and materials. (Former BNDES Profarma - Production)
BNDES Finem - Information Technology: Financing for business plans of software and IT services companies (including Data Centers, Contact Centers, and ITES - BPO).
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Finem - Credit for the production of custom-made capital goods: Support for the production of custom-made capital goods, through financing the working capital needs of supplier companies with current supply contracts.
BNDES Finem - Investment in capital goods production capacity: Financing for investment projects for companies in the capital goods sector and its supplier chain, including metal-mechanic segment companies and engineering and technical services companies.
BNDES Socio-environmental Fund: The Fund aims to support investments of a social nature in job and income generation, health, education, environment and/or linked to regional and social development. Fund resources are applied as non-reimbursable support.
BNDES Funtec - Technical-scientific development fund - BNDES Support for Innovation: Non-reimbursable financial support for applied research, technological development and innovation projects carried out by Technological Institutions, selected according to the focus areas defined by the fund.
BNDES Garantia: Provision of a fidejussory guarantee by BNDES, which takes responsibility for paying pecuniary obligations assumed by Clients toward Creditors. The obligations may derive from Credit Operations or from breach of performance obligations.
BNDES Credit Limit: Revolving credit intended for carrying out current investments.
BNDES Microcredit - Conditions for Microentrepreneurs: Financing for formal and informal microentrepreneurs, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Microcredit - Forms of Support: Financing aimed at supporting the microentrepreneur, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Machines and Services: Single credit limit to be used for financing: (i) acquisition, sale or production of national machines and equipment; (ii) acquisition of national industrialized materials; (iii) acquisition of national services; and (iv) acquisition of equipment.
BNDES Procapcred: Strengthening the equity structure of credit cooperatives, through financing to members for the acquisition of equity shares.
BNDES Prorenova: Financing for the renewal and planting of new sugarcane fields to encourage sugarcane production in the country.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Amazon Fund - Support for the Environment: Non-reimbursable financing for actions of prevention, monitoring and fighting deforestation, and for promoting the conservation and sustainable use of the forests of the Legal Amazon.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.
BNDES Mais Mobilidade Program: Acquisition of new and pre-owned trucks and truck-tractors, new road implements, plus new buses and minibuses, aimed at fleet modernization and emissions reduction.
BNDES Fleet Renewal Program: Acquisition of new or pre-owned trucks for fleet renewal.
Merchant Marine Fund (FMM) Resources - Financing for the merchant marine and shipbuilding: Fund intended to provide resources for the development of the Merchant Marine and for the Brazilian shipbuilding and ship repair industry.

Agriculture and livestock (55)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES Grain Storage Credit: Financing for investment in civil works and for the acquisition of machines and equipment needed to build warehouses and expand grain storage capacity.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Rural Credit: Support for agricultural activities, including fishing, aquaculture and forestry production, and agro-industrial activities, through financing for operating costs and investment, both for investment projects and for the standalone acquisition of machines and equipment.
BNDES Debentures in Public Offerings: Subscription of simple corporate and infrastructure debentures, with incentives for ESG practices (environmental, social and governance).
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame BK Acquisition and Sale: Financing for the acquisition and sale of machines, equipment, industrial systems, IT and automation goods, buses, trucks and executive aircraft.
BNDES Finem - Agriculture: Financing for the production, storage and processing of food for human and animal use.
BNDES Finem - Credit for Acquisition of Machines and Vehicles (associated with Projects) Direct: Financing for the acquisition of machines and equipment.
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Corporate social investments (ISE line): Financing for social projects and programs to be carried out by companies, associations and foundations of all sizes.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Recovery and Conservation of Ecosystems and Biodiversity: Financing for ventures that restore areas in Brazilian biomes, recover and conserve forest ecosystems and biodiversity, or promote their sustainable management in line with legislation.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Socio-environmental Fund: The Fund aims to support investments of a social nature in job and income generation, health, education, environment and/or linked to regional and social development. Fund resources are applied as non-reimbursable support.
BNDES Garantia: Provision of a fidejussory guarantee by BNDES, which takes responsibility for paying pecuniary obligations assumed by Clients toward Creditors. The obligations may derive from Credit Operations or from breach of performance obligations.
BNDES Credit Limit: Revolving credit intended for carrying out current investments.
BNDES Microcredit - Conditions for Microentrepreneurs: Financing for formal and informal microentrepreneurs, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Microcredit - Forms of Support: Financing aimed at supporting the microentrepreneur, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Machines and Services: Single credit limit to be used for financing: (i) acquisition, sale or production of national machines and equipment; (ii) acquisition of national industrialized materials; (iii) acquisition of national services; and (iv) acquisition of equipment.
BNDES Procapcred: Strengthening the equity structure of credit cooperatives, through financing to members for the acquisition of equity shares.
BNDES Prorenova: Financing for the renewal and planting of new sugarcane fields to encourage sugarcane production in the country.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
Inovagro - Incentive Program for Modernization and Technological Innovation in Agricultural Production: Financing for the incorporation of technological innovation in rural properties, aiming at increased productivity, adoption of good agricultural and farm management practices.
Moderfrota - Modernization Program for the Fleet of Agricultural Tractors, Associated Implements and Harvesters: Financing for the acquisition of tractors, harvesters, cutting platforms, sprayers, planters, seeders and coffee processing equipment.
PCA - Program for the Construction and Expansion of Warehouses: Financing for rural producers and cooperatives for the expansion, modernization, renovation and construction of warehouses and cold chambers.
Procap-Agro Giro - Capitalization Program for Agricultural Cooperatives: Provide resources for working capital financing aimed at meeting the immediate operational needs of cooperatives.
Prodecoop - Cooperative Development Program for Adding Value to Agricultural Production: Financing for the modernization of production and marketing systems of the agro-industrial complex of Brazilian cooperatives.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.
BNDES Public Investments with Impact Program - BNDES Invest Impacto: Aims to contribute to the qualified resumption of public investment as a driver of growth and development, through financing for sectoral or multi-sector investment plans and prioritization.
Business Agricultural Operating Credit Program: Financing of the normal expenses of the production cycle of periodic crops, the off-season of permanent crops, the extraction of spontaneous or cultivated plant products, or the extraction or production of seeds and seedlings of forest species.
Business Agricultural Investment Credit Program: Financing for fixed and semi-fixed investments in goods and services related to agricultural activity.
Proirriga - Financing Program for Irrigated Agriculture and Protected Cultivation: Financing for the development of sustainable irrigated agriculture, as well as incentives for the use of protected-environment production structures and for protecting fruit growing in temperate climates.
Pronaf - National Program for Strengthening Family Farming: Financing for operating costs and investments in the implementation, expansion or modernization of the production, processing, industrialization and services structure in the rural establishment or in nearby rural community areas.
Pronaf Agroecology: Financing for farmers and rural producers (individuals) for investment in agroecological or organic production systems, including costs related to the implementation and maintenance of the venture.
Pronaf Agroindustry: Financing for family farmers and rural producers (individuals and legal entities) and cooperatives, for investment in processing, storage and marketing of agricultural, extractive, artisanal and forest products; and for supporting operation.
Pronaf Bioeconomy: Financing for family farmers and rural producers (individuals) for investment in the use of renewable energy technologies, environmental technologies, water storage, small hydroelectric uses, silviculture and adoption of conservation practices.
Pronaf Equity Shares: Financing for the payment of equity shares by Pronaf beneficiaries associated with rural production cooperatives; and application by the cooperative in working capital, operating costs, investment or financial recovery.
Pronaf Operating Costs: Financing intended for the normal expenses of the production cycle of periodic crops, the off-season of permanent crops or the extraction of spontaneous or cultivated plant products, and for meeting the normal expenses of livestock farming.
Pronaf Young: Financing for family farmers and rural producers (individuals) for investment in production activities, provided the beneficiaries are over 16 and under 29 years old, among other requirements.
Pronaf More Food: Financing for family farmers and rural producers for investment in their production and services structure.
Pronaf Microcredit (group "B"): Financing for family farmers and rural producers (individuals) with a gross family income of up to R$ 50,000 in the 12 months of normal production preceding the request for the Pronaf Aptitude Declaration (DAP).
Pronaf Women: Financing for women farmers who are members of a family production unit eligible under Pronaf, regardless of marital status.
Pronamp - National Program to Support the Medium Rural Producer: Financing for operating costs and investments of medium rural producers in agricultural activities.
Renovagro - Financing Program for Sustainable Agricultural Production Systems: Financing for investments that contribute to reducing the environmental impacts caused by agricultural activities.

Public administration (34)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finame BK Acquisition and Sale: Financing for the acquisition and sale of machines, equipment, industrial systems, IT and automation goods, buses, trucks and executive aircraft.
BNDES Finem - Cultural and editorial content: Financing for the production and distribution of cultural and editorial content (except investments in innovation and education).
BNDES Finem - Credit for Acquisition of Machines and Vehicles (associated with Projects) Direct: Financing for the acquisition of machines and equipment.
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Integrated development of states: Financing for the formulation and implementation of sustainable, integrated multi-sector development programs of Brazilian states and the Federal District.
BNDES Finem - Integrated development of municipalities: Financing for sustainable, integrated multi-sector projects aligned with municipal planning.
BNDES Finem - Education, Health and Social Assistance: Financing for the improvement and expansion of education, health and social assistance services.
BNDES Finem - Environment: Financing for investments in sustainability.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Recovery and Conservation of Ecosystems and Biodiversity: Financing for ventures that restore areas in Brazilian biomes, recover and conserve forest ecosystems and biodiversity, or promote their sustainable management in line with legislation.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Finem - Modernization of Tax Administration and Management of Basic Social Sectors - PMAT: Financing for the modernization of the tax, financial, managerial and asset administration of municipal governments.
BNDES Finem - Modernization of Revenue Administration and Fiscal, Financial and Asset Management of State Governments - PMAE: Financing for the modernization of revenue administration and fiscal, financial, managerial and asset management of state and district governments.
BNDES Finem - Public Security: Financing for public security.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Socio-environmental Fund: The Fund aims to support investments of a social nature in job and income generation, health, education, environment and/or linked to regional and social development. Fund resources are applied as non-reimbursable support.
BNDES Machines and Services: Single credit limit to be used for financing: (i) acquisition, sale or production of national machines and equipment; (ii) acquisition of national industrialized materials; (iii) acquisition of national services; and (iv) acquisition of equipment.
BNDES Pró-Transporte: Financing aimed at improving urban mobility in Brazilian cities, with FGTS funds.
BNDES Pró-Transporte: Urban mobility investment projects: Support for investment projects related to public transport systems; road qualification; non-motorized transport; studies and projects; urban mobility plans; and institutional development.
BNDES Pró-Transporte: Fleet Renewal (Refrota): Support for fleet renewal for public transport operations.
BNDES Sanitation for All: Financing aimed at improving the population's health conditions and quality of life, through investments for universalizing and improving public basic sanitation services, with FGTS funds.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.

Working capital (10)

BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES Debentures in Public Offerings: Subscription of simple corporate and infrastructure debentures, with incentives for ESG practices (environmental, social and governance).
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Microcredit - Conditions for Microentrepreneurs: Financing for formal and informal microentrepreneurs, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Procapcred: Strengthening the equity structure of credit cooperatives, through financing to members for the acquisition of equity shares.
Procap-Agro Giro - Capitalization Program for Agricultural Cooperatives: Provide resources for working capital financing aimed at meeting the immediate operational needs of cooperatives.

Cities (8)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Finem - Modernization of Tax Administration and Management of Basic Social Sectors - PMAT: Financing for the modernization of the tax, financial, managerial and asset administration of municipal governments.
BNDES Pró-Transporte: Financing aimed at improving urban mobility in Brazilian cities, with FGTS funds.
BNDES Pró-Transporte: Urban mobility investment projects: Support for investment projects related to public transport systems; road qualification; non-motorized transport; studies and projects; urban mobility plans; and institutional development.
BNDES Pró-Transporte: Fleet Renewal (Refrota): Support for fleet renewal for public transport operations.
BNDES Sanitation for All: Financing aimed at improving the population's health conditions and quality of life, through investments for universalizing and improving public basic sanitation services, with FGTS funds.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.

Credit cooperative (2)

BNDES Procapcred: Strengthening the equity structure of credit cooperatives, through financing to members for the acquisition of equity shares.
Procap-Agro Giro - Capitalization Program for Agricultural Cooperatives: Provide resources for working capital financing aimed at meeting the immediate operational needs of cooperatives.

Rural credit (22)

BNDES Rural Credit: Support for agricultural activities, including fishing, aquaculture and forestry production, and agro-industrial activities, through financing for operating costs and investment, both for investment projects and for the standalone acquisition of machines and equipment.
Inovagro - Incentive Program for Modernization and Technological Innovation in Agricultural Production: Financing for the incorporation of technological innovation in rural properties, aiming at increased productivity, adoption of good agricultural and farm management practices.
Moderfrota - Modernization Program for the Fleet of Agricultural Tractors, Associated Implements and Harvesters: Financing for the acquisition of tractors, harvesters, cutting platforms, sprayers, planters, seeders and coffee processing equipment.
PCA - Program for the Construction and Expansion of Warehouses: Financing for rural producers and cooperatives for the expansion, modernization, renovation and construction of warehouses and cold chambers.
Procap-Agro Giro - Capitalization Program for Agricultural Cooperatives: Provide resources for working capital financing aimed at meeting the immediate operational needs of cooperatives.
Prodecoop - Cooperative Development Program for Adding Value to Agricultural Production: Financing for the modernization of production and marketing systems of the agro-industrial complex of Brazilian cooperatives.
BNDES Public Investments with Impact Program - BNDES Invest Impacto: Aims to contribute to the qualified resumption of public investment as a driver of growth and development, through financing for sectoral or multi-sector investment plans and prioritization.
Business Agricultural Operating Credit Program: Financing of the normal expenses of the production cycle of periodic crops, the off-season of permanent crops, the extraction of spontaneous or cultivated plant products, or the extraction or production of seeds and seedlings of forest species.
Business Agricultural Investment Credit Program: Financing for fixed and semi-fixed investments in goods and services related to agricultural activity.
Proirriga - Financing Program for Irrigated Agriculture and Protected Cultivation: Financing for the development of sustainable irrigated agriculture, as well as incentives for the use of protected-environment production structures and for protecting fruit growing in temperate climates.
Pronaf - National Program for Strengthening Family Farming: Financing for operating costs and investments in the implementation, expansion or modernization of the production, processing, industrialization and services structure in the rural establishment or in nearby rural community areas.
Pronaf Agroecology: Financing for farmers and rural producers (individuals) for investment in agroecological or organic production systems, including costs related to the implementation and maintenance of the venture.
Pronaf Agroindustry: Financing for family farmers and rural producers (individuals and legal entities) and cooperatives, for investment in processing, storage and marketing of agricultural, extractive, artisanal and forest products; and for supporting operation.
Pronaf Bioeconomy: Financing for family farmers and rural producers (individuals) for investment in the use of renewable energy technologies, environmental technologies, water storage, small hydroelectric uses, silviculture and adoption of conservation practices.
Pronaf Equity Shares: Financing for the payment of equity shares by Pronaf beneficiaries associated with rural production cooperatives; and application by the cooperative in working capital, operating costs, investment or financial recovery.
Pronaf Operating Costs: Financing intended for the normal expenses of the production cycle of periodic crops, the off-season of permanent crops or the extraction of spontaneous or cultivated plant products, and for meeting the normal expenses of livestock farming.
Pronaf Young: Financing for family farmers and rural producers (individuals) for investment in production activities, provided the beneficiaries are over 16 and under 29 years old, among other requirements.
Pronaf More Food: Financing for family farmers and rural producers for investment in their production and services structure.
Pronaf Microcredit (group "B"): Financing for family farmers and rural producers (individuals) with a gross family income of up to R$ 50,000 in the 12 months of normal production preceding the request for the Pronaf Aptitude Declaration (DAP).
Pronaf Women: Financing for women farmers who are members of a family production unit eligible under Pronaf, regardless of marital status.
Pronamp - National Program to Support the Medium Rural Producer: Financing for operating costs and investments of medium rural producers in agricultural activities.
Renovagro - Financing Program for Sustainable Agricultural Production Systems: Financing for investments that contribute to reducing the environmental impacts caused by agricultural activities.

Culture and creative economy (34)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Debentures in Public Offerings: Subscription of simple corporate and infrastructure debentures, with incentives for ESG practices (environmental, social and governance).
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finame BK Acquisition and Sale: Financing for the acquisition and sale of machines, equipment, industrial systems, IT and automation goods, buses, trucks and executive aircraft.
BNDES Finem - Cultural and editorial content: Financing for the production and distribution of cultural and editorial content (except investments in innovation and education).
BNDES Finem - Credit for Acquisition of Machines and Vehicles (associated with Projects) Direct: Financing for the acquisition of machines and equipment.
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Design and brand strengthening: Financing for investments in design and brand strengthening aimed at the development, quality improvement and differentiation of products. (Former BNDES Prodesign)
BNDES Finem - Cultural infrastructures: Financing for investments in cultural infrastructures and the revitalization of Brazilian cultural heritage.
BNDES Finem - Corporate social investments (ISE line): Financing for social projects and programs to be carried out by companies, associations and foundations of all sizes.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Finem - Information Technology: Financing for business plans of software and IT services companies (including Data Centers, Contact Centers, and ITES - BPO).
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Cultural Fund - Support for Culture: Non-reimbursable support for the preservation of cultural heritage and encouragement of the cultural production chain.
BNDES Garantia: Provision of a fidejussory guarantee by BNDES, which takes responsibility for paying pecuniary obligations assumed by Clients toward Creditors. The obligations may derive from Credit Operations or from breach of performance obligations.
BNDES Credit Limit: Revolving credit intended for carrying out current investments.
BNDES Microcredit - Conditions for Microentrepreneurs: Financing for formal and informal microentrepreneurs, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Microcredit - Forms of Support: Financing aimed at supporting the microentrepreneur, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Machines and Services: Single credit limit to be used for financing: (i) acquisition, sale or production of national machines and equipment; (ii) acquisition of national industrialized materials; (iii) acquisition of national services; and (iv) acquisition of equipment.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.

Education, health and social investments (5)

BNDES Finem - Education, Health and Social Assistance: Financing for the improvement and expansion of education, health and social assistance services.
BNDES Finem - Corporate social investments (ISE line): Financing for social projects and programs to be carried out by companies, associations and foundations of all sizes.
BNDES Socio-environmental Fund: The Fund aims to support investments of a social nature in job and income generation, health, education, environment and/or linked to regional and social development. Fund resources are applied as non-reimbursable support.
BNDES Ecological Restoration: Non-reimbursable support for biome restoration projects in Brazil (except the Amazon biome).
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.

Ventures, renovation and expansion (75)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Automático Emergencial: Support for the resumption of economic activity in municipalities affected by natural disasters, through loans.
BNDES Grain Storage Credit: Financing for investment in civil works and for the acquisition of machines and equipment needed to build warehouses and expand grain storage capacity.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES FUST Automático: Financing to stimulate the expansion, use and quality improvement of telecommunications networks and services, reduce regional inequalities and stimulate the use and development of new connectivity technologies to promote economic development.
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES FUST Automático - FUST Connectivity Credit: Finances, with standalone working capital credit, Telecommunications Service Providers (PSTs) sized as Micro, Small and Medium Enterprises (MSMEs) that have made recent investments in access expansion.
BNDES FUST Automático - FUST Emergencial: Finances, through standalone working capital, the restoration of the operating capacity of Telecommunications Service Providers (PSTs) of Micro, Small and Medium size (MSME) in areas affected by calamities, public emergencies or disasters.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem - Agriculture: Financing for the production, storage and processing of food for human and animal use.
BNDES Finem - Support for national engineering: Financing for engineering projects and services in strategic sectors, aiming to stimulate the improvement of technical skills and knowledge in the country. (Former BNDES Proengenharia)
BNDES Finem - Electricity storage: Support investments in the implementation, expansion or modernization of electricity storage assets, with the goal of preserving adequate electricity supply.
BNDES Finem - Cultural and editorial content: Financing for the production and distribution of cultural and editorial content (except investments in innovation and education).
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Design and brand strengthening: Financing for investments in design and brand strengthening aimed at the development, quality improvement and differentiation of products. (Former BNDES Prodesign)
BNDES Finem - Electricity Distribution: Financing for the expansion and modernization of the country's power distribution infrastructure.
BNDES Finem - Education, Health and Social Assistance: Financing for the improvement and expansion of education, health and social assistance services.
BNDES Finem - Power generation: Financing for the expansion and modernization of power generation infrastructure from renewable sources and natural gas thermal plants in the country.
BNDES Finem - Logistics Infrastructure: Financing for the expansion and modernization of the country's logistics infrastructure (highways, railways, waterways, ports, airports and logistics operator terminals).
BNDES Finem - Infrastructure for natural gas distribution and expansion of the vehicle supply network: Support the implementation, expansion or modernization of infrastructure and/or services for the distribution of piped, compressed and liquefied natural gas.
BNDES Finem - Infrastructure for outflow and transport through pipelines, liquefaction and regasification terminals for natural gas, biogas, biomethane: Support the implementation, expansion, modernization, construction and assembly of infrastructure and/or services for outflow and transport through pipelines, liquefaction and regasification terminals.
BNDES Finem - Infrastructure for processing and compression of natural gas, biogas, biomethane and storage of natural gas and natural gas liquids: Support the implementation, expansion, modernization, construction and assembly of infrastructure and/or services for processing and compression units.
BNDES Finem - Cultural infrastructures: Financing for investments in cultural infrastructures and the revitalization of Brazilian cultural heritage.
BNDES Finem - Investments in the O&G, Automotive and Rail supplier chains: Financing to expand the supplier chain of goods, components and services for the O&G, Automotive and Rail industries.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Finem - Urban mobility: Financing for public-interest investment projects related to urban mobility.
BNDES Finem - Production of pharmaceuticals and medicines: Financing for the development, modernization and expansion of production capacity for pharmaceuticals, medicines, medical equipment and materials. (Former BNDES Profarma - Production)
BNDES Finem - Production and decommissioning of oil and natural gas production systems: Financing for the implementation, expansion, modernization, construction, integration and assembly of facilities and/or services in activities for the development of oil and gas production.
BNDES Finem - Sanitation: Financing for public or private investment projects aimed at universalizing access to basic sanitation services and recovering environmentally degraded areas.
BNDES Finem - Public Security: Financing for public security.
BNDES Finem - Information Technology: Financing for business plans of software and IT services companies (including Data Centers, Contact Centers, and ITES - BPO).
BNDES Finem - Telecommunications: Financing for universalizing broadband and for the expansion and modernization of telecommunications infrastructure.
BNDES Finem - Power transmission: Financing for the expansion and modernization of the country's power transmission infrastructure.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Finem - Credit for the production of custom-made capital goods: Support for the production of custom-made capital goods, through financing the working capital needs of supplier companies with current supply contracts.
BNDES Finem - Investment in capital goods production capacity: Financing for investment projects for companies in the capital goods sector and its supplier chain, including metal-mechanic segment companies and engineering and technical services companies.
BNDES Cultural Fund - Support for Culture: Non-reimbursable support for the preservation of cultural heritage and encouragement of the cultural production chain.
BNDES Credit Limit: Revolving credit intended for carrying out current investments.
BNDES Mais Inovação: Support for the implementation of investments and projects aimed at innovation and digitalization, using resources from the Worker Support Fund (FAT) remunerated at the Reference Rate (TR), as approved by Law No. 14,592 of May 30, 2023.
BNDES Mais Inovação - Support for R&D Centers: Financing to support the implementation, expansion or modernization of R&D Centers that: (i) are related to at least one of the missions covered by CNDI/MDIC Resolution No. 1/2023 of the National Industrial Development Council.
BNDES Mais Inovação - Acquisition of innovative goods (Industry 4.0): Direct financing for technological diffusion, including contracting technological services, acquiring machines and equipment with innovative features and acquiring IT and automation goods covered by law.
BNDES Mais Inovação - Technological diffusion (Industry 4.0): Financing for contracting technological services and for purchasing IT goods and equipment with innovative technologies.
BNDES Mais Inovação - Investment in innovation: Support for investment plans aimed at innovation and/or digitalization. Direct financing with BNDES, starting at R$ 10 million in the North and Northeast regions and starting at R$ 20 million for the other regions of the country. Indirect financing also available.
BNDES Mais Inovação - Automatic Investment: Financing to support the digitalization and digital transformation of companies within the Brasil Mais Produtivo Program.
BNDES Project Finance: Financing for a project, contractually supported by its cash flow and secured by its assets and receivables.
BNDES Prorenova: Financing for the renewal and planting of new sugarcane fields to encourage sugarcane production in the country.
BNDES Pró-Transporte: Financing aimed at improving urban mobility in Brazilian cities, with FGTS funds.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
FIIS - Support for investments in Goods - Machines and equipment: Credit limit to support the acquisition of machines and equipment related to social infrastructure, education and health.
FIIS - Support for investments in Education: Support investment projects and the acquisition of machines and equipment linked to universalizing early childhood, primary and secondary education.
FIIS - Support for investments in Health: Support investment projects and the acquisition of machines and equipment aimed at free public care within the Unified Health System (SUS), focused on primary and/or specialized care.
FUST BNDES - Telecommunications Services Universalization Fund - Sale: Credit limit starting at R$ 10 million to finance the sale of machines and equipment, aiming to promote the expansion, use and quality improvement of telecommunications networks and services.
FUST BNDES - Telecommunications Services Universalization Fund - Data Center and Network Core: Financing starting at R$ 10 million for investments in the construction, expansion and modernization of data centers and network cores.
FUST BNDES - Telecommunications Services Universalization Fund - Emergency: Financing starting at R$ 10 million for investments to restore the operating capacity of PSTs in areas affected by calamities, public emergencies or natural disasters.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
Inovagro - Incentive Program for Modernization and Technological Innovation in Agricultural Production: Financing for the incorporation of technological innovation in rural properties, aiming at increased productivity, adoption of good agricultural and farm management practices.
Investment in infrastructure and/or services for the distribution of oil derivatives and biofuels, terminals and distribution bases: Support for the implementation, expansion or modernization of infrastructure and/or services for the distribution of oil derivatives and biofuels.
Investment in infrastructure and/or services for the outflow and transport of oil, its derivatives and biofuels: Support for the implementation, expansion or modernization of infrastructure and/or services for the outflow and transport of oil, its derivatives and biofuels.
Investment in facilities and/or services for oil refining, biorefineries, hydrogen production and storage of oil derivatives and fuels: Support for the implementation, expansion, modernization, construction, integration and assembly of facilities and/or services for oil refining and related activities.
PCA - Program for the Construction and Expansion of Warehouses: Financing for rural producers and cooperatives for the expansion, modernization, renovation and construction of warehouses and cold chambers.
Prodecoop - Cooperative Development Program for Adding Value to Agricultural Production: Financing for the modernization of production and marketing systems of the agro-industrial complex of Brazilian cooperatives.
BNDES Productive Asset Revitalization Product: Financing for the acquisition of productive and economically viable assets from companies that are debtors of the BNDES System or of other companies in the same economic group.
BNDES FSA Audiovisual Program: Support for investments in the audiovisual sector.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.
Merchant Marine Fund (FMM) Resources - Financing for the merchant marine and shipbuilding: Fund intended to provide resources for the development of the Merchant Marine and for the Brazilian shipbuilding and ship repair industry.
Renovagro - Financing Program for Sustainable Agricultural Production Systems: Financing for investments that contribute to reducing the environmental impacts caused by agricultural activities.

Exports (6)

BNDES Digital Credit: Loan for individual microentrepreneurs and micro, small and medium-sized companies, contracted in a fully digital environment, through digital platforms made available by accredited financial agents.
BNDES Exim Indirect Pre-shipment: Financing for the production of goods for export, through a financial institution accredited to BNDES.
BNDES Exim Post-shipment Automatic: Financing for the export of goods manufactured in Brazil, through the discounting of a letter of credit issued by a foreign bank enabled by BNDES.
BNDES Exim Post-shipment Aircraft: Financing for the export of civil aircraft and aeronautical engines, as well as associated services.
BNDES Exim Post-shipment Goods: Financing for the export of national goods and associated services.
BNDES Exim Post-shipment Services: Financing for the export of national services, including nationally manufactured goods to be used and/or incorporated into the venture.

Imports (2)

BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.

Social infrastructure (21)

BNDES FUST Automático: Financing to stimulate the expansion, use and quality improvement of telecommunications networks and services, reduce regional inequalities and stimulate the use and development of new connectivity technologies to promote economic development.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem - Integrated development of states: Financing for the formulation and implementation of sustainable, integrated multi-sector development programs of Brazilian states and the Federal District.
BNDES Finem - Integrated development of municipalities: Financing for sustainable, integrated multi-sector projects aligned with municipal planning.
BNDES Finem - Education, Health and Social Assistance: Financing for the improvement and expansion of education, health and social assistance services.
BNDES Finem - Urban mobility: Financing for public-interest investment projects related to urban mobility.
BNDES Finem - Sanitation: Financing for public or private investment projects aimed at universalizing access to basic sanitation services and recovering environmentally degraded areas.
BNDES Finem - Public Security: Financing for public security.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Mais Inovação: Support for the implementation of investments and projects aimed at innovation and digitalization, using resources from the Worker Support Fund (FAT) remunerated at the Reference Rate (TR), as approved by Law No. 14,592 of May 30, 2023.
BNDES Mais Inovação - Support for R&D Centers: Financing to support the implementation, expansion or modernization of R&D Centers that: (i) are related to at least one of the missions covered by CNDI/MDIC Resolution No. 1/2023 of the National Industrial Development Council.
BNDES Mais Inovação - Acquisition of innovative goods (Industry 4.0): Direct financing for technological diffusion, including contracting technological services, acquiring machines and equipment with innovative features and acquiring IT and automation goods covered by law.
BNDES Mais Inovação - Technological diffusion (Industry 4.0): Financing for contracting technological services and for purchasing IT goods and equipment with innovative technologies.
BNDES Mais Inovação - Investment in innovation: Support for investment plans aimed at innovation and/or digitalization. Direct financing with BNDES, starting at R$ 10 million in the North and Northeast regions and starting at R$ 20 million for the other regions of the country. Indirect financing also available.
BNDES Mais Inovação - Automatic Investment: Financing to support the digitalization and digital transformation of companies within the Brasil Mais Produtivo Program.
BNDES Pró-Transporte: Financing aimed at improving urban mobility in Brazilian cities, with FGTS funds.
BNDES Productive Asset Revitalization Product: Financing for the acquisition of productive and economically viable assets from companies that are debtors of the BNDES System or of other companies in the same economic group.
BNDES FSA Audiovisual Program: Support for investments in the audiovisual sector.
BNDES FSA Audiovisual Program - Content and Marketing: Support for business plans to strengthen companies in the audiovisual sector's production chains, focusing on the development, production, marketing and internationalization of Brazilian audiovisual content.
BNDES FSA Audiovisual Program - Infrastructure: Support for the acquisition, implementation and expansion of infrastructure assets of companies in the audiovisual sector's production chains.
BNDES FSA Audiovisual Program - Innovation and Accessibility: Support for companies in the audiovisual sector's production chains in investments in innovation or accessibility.

Innovation (15)

BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES FUST Automático - FUST Equipment: Finances the acquisition of telecommunications equipment by business companies providing telecommunications services, aiming at expanding connectivity services and strengthening local technology suppliers.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem - Support for national engineering: Financing for engineering projects and services in strategic sectors, aiming to stimulate the improvement of technical skills and knowledge in the country. (Former BNDES Proengenharia)
BNDES Finem - Innovation Credit Direct: Financing for investments in innovation.
BNDES Finem - Design and brand strengthening: Financing for investments in design and brand strengthening aimed at the development, quality improvement and differentiation of products. (Former BNDES Prodesign)
BNDES Finem - Information Technology: Financing for business plans of software and IT services companies (including Data Centers, Contact Centers, and ITES - BPO).
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Funtec - Technical-scientific development fund - BNDES Support for Innovation: Non-reimbursable financial support for applied research, technological development and innovation projects carried out by Technological Institutions, selected according to the focus areas defined by the fund.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
FUST BNDES - Telecommunications Services Universalization Fund - Standardized Projects: Financing starting at R$ 10 million for investments in the expansion and/or quality improvement of telecommunications networks and services, with differentiated conditions for public schools.
Funttel BNDES - Fund for the Technological Development of Telecommunications - Innovation Credit Direct: Financing starting at R$ 10 million for investments by the Brazilian telecommunications industry.
BNDES Finame Funttel Program: Finance the acquisition of telecommunications equipment produced and developed in the country, aiming to strengthen local technology suppliers and support the modernization and expansion of telecommunications networks in Brazil.

Internationalization (2)

BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.

Machines, equipment and vehicles (44)

BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES FUST Automático: Financing to stimulate the expansion, use and quality improvement of telecommunications networks and services, reduce regional inequalities and stimulate the use and development of new connectivity technologies to promote economic development.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame BK Acquisition and Sale: Financing for the acquisition and sale of machines, equipment, industrial systems, IT and automation goods, buses, trucks and executive aircraft.
BNDES Finame Industrialized Materials: Financing or credit limit for the acquisition of industrialized goods by companies of all sizes. For reimbursement purposes, expenses for supportable items whose tax documents were issued within the previous 12 months may be accepted.
BNDES Finem - Credit for Acquisition of Machines and Vehicles (associated with Projects) Direct: Financing for the acquisition of machines and equipment.
BNDES Finem - Environment: Financing for investments in sustainability.
BNDES Finem - Environment - Buses and trucks with low-carbon traction technologies and equipment with higher energy efficiency and/or carbon emission reduction: Financing for the acquisition and production of electric and hybrid buses and trucks, and other models with electric traction.
BNDES Mais Inovação: Support for the implementation of investments and projects aimed at innovation and digitalization, using resources from the Worker Support Fund (FAT) remunerated at the Reference Rate (TR), as approved by Law No. 14,592 of May 30, 2023.
BNDES Mais Inovação - Support for R&D Centers: Financing to support the implementation, expansion or modernization of R&D Centers that: (i) are related to at least one of the missions covered by CNDI/MDIC Resolution No. 1/2023 of the National Industrial Development Council.
BNDES Mais Inovação - Acquisition of innovative goods (Industry 4.0): Direct financing for technological diffusion, including contracting technological services, acquiring machines and equipment with innovative features and acquiring IT and automation goods covered by law.
BNDES Mais Inovação - Technological diffusion (Industry 4.0): Financing for contracting technological services and for purchasing IT goods and equipment with innovative technologies.
BNDES Mais Inovação - Investment in innovation: Support for investment plans aimed at innovation and/or digitalization. Direct financing with BNDES, starting at R$ 10 million in the North and Northeast regions and starting at R$ 20 million for the other regions of the country. Indirect financing also available.
BNDES Mais Inovação - Automatic Investment: Financing to support the digitalization and digital transformation of companies within the Brasil Mais Produtivo Program.
BNDES Machines and Services: Single credit limit to be used for financing: (i) acquisition, sale or production of national machines and equipment; (ii) acquisition of national industrialized materials; (iii) acquisition of national services; and (iv) acquisition of equipment.
BNDES Pró-Transporte: Financing aimed at improving urban mobility in Brazilian cities, with FGTS funds.
BNDES Pró-Transporte: Urban mobility investment projects: Support for investment projects related to public transport systems; road qualification; non-motorized transport; studies and projects; urban mobility plans; and institutional development.
BNDES Pró-Transporte: Fleet Renewal (Refrota): Support for fleet renewal for public transport operations.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
Inovagro - Incentive Program for Modernization and Technological Innovation in Agricultural Production: Financing for the incorporation of technological innovation in rural properties, aiming at increased productivity, adoption of good agricultural and farm management practices.
Moderfrota - Modernization Program for the Fleet of Agricultural Tractors, Associated Implements and Harvesters: Financing for the acquisition of tractors, harvesters, cutting platforms, sprayers, planters, seeders and coffee processing equipment.
PCA - Program for the Construction and Expansion of Warehouses: Financing for rural producers and cooperatives for the expansion, modernization, renovation and construction of warehouses and cold chambers.
BNDES Productive Asset Revitalization Product: Financing for the acquisition of productive and economically viable assets from companies that are debtors of the BNDES System or of other companies in the same economic group.
BNDES FSA Audiovisual Program: Support for investments in the audiovisual sector.
BNDES Public Investments with Impact Program - BNDES Invest Impacto: Aims to contribute to the qualified resumption of public investment as a driver of growth and development, through financing for sectoral or multi-sector investment plans and prioritization.
BNDES Mais Mobilidade Program: Acquisition of new and pre-owned trucks and truck-tractors, new road implements, plus new buses and minibuses, aimed at fleet modernization and emissions reduction.
BNDES Fleet Renewal Program: Acquisition of new or pre-owned trucks for fleet renewal.
Business Agricultural Operating Credit Program: Financing of the normal expenses of the production cycle of periodic crops, the off-season of permanent crops, the extraction of spontaneous or cultivated plant products, or the extraction or production of seeds and seedlings of forest species.
Business Agricultural Investment Credit Program: Financing for fixed and semi-fixed investments in goods and services related to agricultural activity.
Proirriga - Financing Program for Irrigated Agriculture and Protected Cultivation: Financing for the development of sustainable irrigated agriculture, as well as incentives for the use of protected-environment production structures and for protecting fruit growing in temperate climates.
Pronaf - National Program for Strengthening Family Farming: Financing for operating costs and investments in the implementation, expansion or modernization of the production, processing, industrialization and services structure in the rural establishment or in nearby rural community areas.
Pronaf Agroecology: Financing for farmers and rural producers (individuals) for investment in agroecological or organic production systems, including costs related to the implementation and maintenance of the venture.
Pronaf Agroindustry: Financing for family farmers and rural producers (individuals and legal entities) and cooperatives, for investment in processing, storage and marketing of agricultural, extractive, artisanal and forest products; and for supporting operation.
Pronaf Bioeconomy: Financing for family farmers and rural producers (individuals) for investment in the use of renewable energy technologies, environmental technologies, water storage, small hydroelectric uses, silviculture and adoption of conservation practices.
Pronaf Equity Shares: Financing for the payment of equity shares by Pronaf beneficiaries associated with rural production cooperatives; and application by the cooperative in working capital, operating costs, investment or financial recovery.
Pronaf Operating Costs: Financing intended for the normal expenses of the production cycle of periodic crops, the off-season of permanent crops or the extraction of spontaneous or cultivated plant products, and for meeting the normal expenses of livestock farming.
Pronaf Young: Financing for family farmers and rural producers (individuals) for investment in production activities, provided the beneficiaries are over 16 and under 29 years old, among other requirements.
Pronaf More Food: Financing for family farmers and rural producers for investment in their production and services structure.
Pronaf Microcredit (group "B"): Financing for family farmers and rural producers (individuals) with a gross family income of up to R$ 50,000 in the 12 months of normal production preceding the request for the Pronaf Aptitude Declaration (DAP).
Pronaf Women: Financing for women farmers who are members of a family production unit eligible under Pronaf, regardless of marital status.
Pronamp - National Program to Support the Medium Rural Producer: Financing for operating costs and investments of medium rural producers in agricultural activities.

Environment (31)

BNDES Caminho da Escola: Financing of school transport vehicles used for the daily transport of basic education students from the public school system, prioritarily residents of rural areas of state, district and municipal systems.
BNDES FUST Automático: Financing to stimulate the expansion, use and quality improvement of telecommunications networks and services, reduce regional inequalities and stimulate the use and development of new connectivity technologies to promote economic development.
BNDES Finame - Low Carbon: Financing for the acquisition and sale of systems, machines and equipment with higher energy efficiency ratings or that contribute to reducing greenhouse gas emissions. All products must be new, domestically manufactured and accredited.
BNDES Finame - financing of machines and equipment: Financing, through accredited financial institutions, for the production and acquisition of machines, equipment and IT and automation goods, and industrialized goods to be used in economic activity.
BNDES Finem - Power generation: Financing for the expansion and modernization of power generation infrastructure from renewable sources and natural gas thermal plants in the country.
BNDES Finem - Environment - Energy Efficiency: Support for ventures that reduce energy consumption in buildings, production processes, power plants, power grids and public lighting, and/or increase the efficiency of the national energy system (excluding the sugar-energy sector).
BNDES Finem - Environment - Investments in climate adaptation: Support for ventures that promote resilience, adaptive capacity and reduction of climate-related disaster risks.
BNDES Finem - Environment - Critical and Strategic Minerals: Support for critical and strategic mineral projects and for the development of materials that contribute to the energy transition and decarbonization, covering investments in mineral exploration and research and feasibility studies.
BNDES Finem - Environment - Planning and Management: Support for projects aimed at management, training, system implementation, studies and certifications that increase companies' capacity to: reduce and mitigate socio-environmental risks; optimize the use of resources employed in mitigation.
BNDES Finem - Environment - Production of advanced sustainable fuels, biorefineries and associated infrastructure: Support investments aimed at the implementation, expansion, modernization or adaptation of advanced sustainable fuel production units, as well as biorefineries.
BNDES Finem - Environment - Recovery of environmental liabilities: Financing for ventures that recover degraded, mined or contaminated areas.
BNDES Finem - Environment - Recovery and Conservation of Ecosystems and Biodiversity: Financing for ventures that restore areas in Brazilian biomes, recover and conserve forest ecosystems and biodiversity, or promote their sustainable management in line with legislation.
BNDES Finem - Environment - Reduction of natural resource and material use: Financing for ventures that promote eco-efficiency, use inputs from recycled or renewable sources (excluding sugarcane), or aimed at the production and/or use of Biogas and Biomethane.
BNDES Finem - Environment - Buses and trucks with low-carbon traction technologies and equipment with higher energy efficiency and/or carbon emission reduction: Financing for the acquisition and production of electric and hybrid buses and trucks, and other models with electric traction.
BNDES Finem - Sanitation: Financing for public or private investment projects aimed at universalizing access to basic sanitation services and recovering environmentally degraded areas.
BNDES Finem Credit for Direct Projects: Financing for public or private investment projects aimed at generating and increasing productive capacity across the various sectors of the economy.
BNDES Socio-environmental Fund: The Fund aims to support investments of a social nature in job and income generation, health, education, environment and/or linked to regional and social development. Fund resources are applied as non-reimbursable support.
BNDES Mais Inovação: Support for the implementation of investments and projects aimed at innovation and digitalization, using resources from the Worker Support Fund (FAT) remunerated at the Reference Rate (TR), as approved by Law No. 14,592 of May 30, 2023.
BNDES Mais Inovação - Support for R&D Centers: Financing to support the implementation, expansion or modernization of R&D Centers that: (i) are related to at least one of the missions covered by CNDI/MDIC Resolution No. 1/2023 of the National Industrial Development Council.
BNDES Mais Inovação - Acquisition of innovative goods (Industry 4.0): Direct financing for technological diffusion, including contracting technological services, acquiring machines and equipment with innovative features and acquiring IT and automation goods covered by law.
BNDES Mais Inovação - Technological diffusion (Industry 4.0): Financing for contracting technological services and for purchasing IT goods and equipment with innovative technologies.
BNDES Mais Inovação - Investment in innovation: Support for investment plans aimed at innovation and/or digitalization. Direct financing with BNDES, starting at R$ 10 million in the North and Northeast regions and starting at R$ 20 million for the other regions of the country. Indirect financing also available.
BNDES Mais Inovação - Automatic Investment: Financing to support the digitalization and digital transformation of companies within the Brasil Mais Produtivo Program.
BNDES Ecological Restoration: Non-reimbursable support for biome restoration projects in Brazil (except the Amazon biome).
Amazon Fund - Support for the Environment: Non-reimbursable financing for actions of prevention, monitoring and fighting deforestation, and for promoting the conservation and sustainable use of the forests of the Legal Amazon.
BNDES Productive Asset Revitalization Product: Financing for the acquisition of productive and economically viable assets from companies that are debtors of the BNDES System or of other companies in the same economic group.
BNDES FSA Audiovisual Program: Support for investments in the audiovisual sector.
BNDES FSA Audiovisual Program - Content and Marketing: Support for business plans to strengthen companies in the audiovisual sector's production chains, focusing on the development, production, marketing and internationalization of Brazilian audiovisual content.
BNDES FSA Audiovisual Program - Infrastructure: Support for the acquisition, implementation and expansion of infrastructure assets of companies in the audiovisual sector's production chains.
BNDES FSA Audiovisual Program - Innovation and Accessibility: Support for companies in the audiovisual sector's production chains in investments in innovation or accessibility.
Ecological restoration and forest economy: Support for ventures aimed at the recovery, maintenance and sustainable use of vegetation in Brazilian biomes.

Microcredit (7)

BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES Debentures in Public Offerings: Subscription of simple corporate and infrastructure debentures, with incentives for ESG practices (environmental, social and governance).
BNDES Microcredit - Conditions for Microentrepreneurs: Financing for formal and informal microentrepreneurs, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
BNDES Microcredit - Forms of Support: Financing aimed at supporting the microentrepreneur, promoting the popular economy and aiming to encourage work and income generation, social inclusion, complementation of social policies and/or promotion of local development.
Pronaf - National Program for Strengthening Family Farming: Financing for operating costs and investments in the implementation, expansion or modernization of the production, processing, industrialization and services structure in the rural establishment or in nearby rural community areas.
Pronaf Microcredit (group "B"): Financing for family farmers and rural producers (individuals) with a gross family income of up to R$ 50,000 in the 12 months of normal production preceding the request for the Pronaf Aptitude Declaration (DAP).

Software (6)

BNDES Automático - Investment Project: Financing of up to R$ 150 million for investment projects of companies from all sectors.
BNDES Direct Credit for Medium-Sized Companies: Financing to generate gains in productivity, sustainability, financial soundness, competitiveness and/or governance in companies.
BNDES Credit for Small and Medium-Sized Companies: Loan for micro, small and medium-sized companies and for individual business owners.
BNDES Services 4.0 Credit: Financing for contracting technological services, accredited by BNDES, associated with production optimization, enabling advanced manufacturing projects and implementing smart city solutions and the like.
BNDES Finem - Information Technology: Financing for business plans of software and IT services companies (including Data Centers, Contact Centers, and ITES - BPO).
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.

IoT solutions (3)

BNDES Finem - Modernization of Tax Administration and Management of Basic Social Sectors - PMAT: Financing for the modernization of the tax, financial, managerial and asset administration of municipal governments.
Cartão BNDES: Pre-approved credit for the acquisition of goods and services accredited on the Cartão BNDES Operations Portal.
Inovagro - Incentive Program for Modernization and Technological Innovation in Agricultural Production: Financing for the incorporation of technological innovation in rural properties, aiming at increased productivity, adoption of good agricultural and farm management practices.

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