BNDES Finem: direct financing for large projects
Larger investment projects, contracted directly with BNDES through the Client Portal. See the verified conditions and prepare your file with Tecbank.
What it is
BNDES Finem is the official BNDES line to finance large investment projects. Contracting is direct: the company applies to BNDES itself, through the Client Portal, and the bank analyzes the project.
What it finances
- Investment projects: implementation, expansion and modernization of enterprises, with the financeable items accepted by the line.
- Associated working capital: there is a working-capital modality linked to the Finem project, with its own rules.
Who can apply
Companies with an investment project that reaches the line's minimum amount. Official BNDES size reference: a small business has annual gross revenue up to R$ 4.8 million; Finem serves large operations, from the minimum amount below.
Verified conditions
- Minimum operation amount: R$ 40 million. In specific situations (public administration, philanthropic health, sanitation, innovation and regional providers), the minimum is R$ 20 million.
- Cost: the sum of the Long-Term Rate (TLP), BNDES remuneration and remuneration for the operation's risk.
Cost components are set in each operation. The final rate is variable and confirmed by BNDES before contracting.
How to contract
The application is made directly to BNDES, through the Client Portal, with the company's and the project's documentation. Tecbank organizes the file with you: eligibility, documents and follow-up until the bank's answer.
Talk to Tecbank about BNDES Finem for your project.
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Next step for your company
Learn the steps and prepare the opening of your business account. You stay within Tecbank.
open your business account nowGuidance for opening with the responsible institution. Not a Tecbank-owned bank account nor automatic approval.