FG BNDES-SEBRAE: credit guarantee for MEI and small businesses
BNDES-Sebrae guarantee fund that eases credit access for individual microentrepreneurs, micro and small businesses. See the verified eligibility and prepare with Tecbank.
What it is
The BNDES-Sebrae Guarantee Fund (FG BNDES-SEBRAE) provides guarantees for credit operations of MEI, micro and small businesses. With the fund's guarantee, banks tend to widen access, reduce collateral requirements and lengthen terms for this audience.
What it finances
- Investment and working-capital credit operations contracted at accredited banks, backed by the fund's guarantee.
Who can apply
- Individual microentrepreneurs (MEI), micro and small businesses;
- In bank practice, eligibility usually requires annual revenue within the small-business limit, tax certificates up to date and registry regularity (e.g. FGTS clearance certificate).
Verified conditions
- Guarantee coverage: up to 80% of the operation's value, per the fund's regulation;
- Operation term: 12 to 120 months, per the current regulation (BNDES Circular No. 99/2025, amended in 2026);
- Interest rate and limit: set at contracting with the financial institution;
- Guarantee charge: provided in the regulation, calculated on the guaranteed amount.
How to contract
The operation is contracted at a bank accredited to the fund, which analyzes the credit and applies the guarantee. Tecbank guides you: eligibility, documents and follow-up until the answer.
Talk to Tecbank about FG BNDES-SEBRAE for your company.
Click here for more information (service in Portuguese)Prefer to leave your details? Fill in the form
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.