Federal Government · small businesses Federal renegotiation program
Desenrola Pequenos Negócios: renegotiate your company’s debts
Renegotiation front of the Acredita Program for MEI, micro and small businesses with overdue bank debts.
| Nature | Federal renegotiation program |
| Funding source | Federal renegotiation program |
| Where to apply | Accredited banks |
| Status | In force |
What it is
Desenrola Pequenos Negócios opens renegotiation editions with special conditions for small businesses to regularize debts with financial institutions.
What it covers
- Renegotiation of bank debts with discounts, terms and interest under special conditions;
- Debts overdue for more than 90 days, regardless of amount or time overdue, under the rules of the previous edition.
Who can apply
- MEI, microenterprises and small businesses with annual revenue of up to R$ 4.8 million.
Verified conditions
- How it works: the program operates in editions, with adhesion windows opened by the Federal Government.
- Previous edition: renegotiation of bank debts overdue for more than 90 days, with discounts, terms and favored interest.
- Official source: program page at the Ministry of Entrepreneurship (MEMP), verified on November 2, 2026.
How to proceed
Tecbank checks the edition in force, your company's eligibility and prepares the renegotiation package with you.
Talk to Tecbank about Desenrola Pequenos Negócios.
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Next step for your company
Learn the steps and prepare the opening of your business account. You stay within Tecbank.
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