Public guarantee · fund managed by BNDES
FGI PEAC: public guarantee for your company's credit
A fund that guarantees credit operations made at banks, with indefinite duration. See who can use it, the verified limits and terms, and prepare your file with Tecbank.
What it is
FGI PEAC is a guarantee fund managed by BNDES. It does not lend money: it guarantees the credit operations banks make with companies, which makes approval easier. Created as an emergency program, it gained indefinite duration under Law 14,554/2023.
What it covers
- Credit operations at banks: the fund guarantees the financing contracted at the operating financial institution.
Who can apply
- MEI, microenterprises and small and medium businesses, with annual gross revenue up to R$ 300 million;
- Associations, foundations and cooperatives;
- Beneficiaries of guided productive microcredit (PNMPO);
- App drivers and taxi drivers who finance a new vehicle under Move Brasil (Law 15,503/2026).
Verified conditions
- Guaranteed amount: from R$ 1 thousand to R$ 10 million per borrower, per bank.
- Grace period: 12 to 36 months; total term: 12 to 96 months, negotiated with the bank within these limits.
- Interest rate: freely negotiated in each operation; the program caps the average rate of each bank's portfolio.
- Required guarantees: the program waives personal and real guarantees; the bank may request additional guarantees under its own policy.
- Guarantee cost: guarantee commission (ECG) with a 40% discount for releases in 2026.
How to contract
The credit is requested at a bank that operates with the fund, already with the PEAC guarantee. Tecbank guides you: eligibility, documents and follow-up until the answer.
Talk to Tecbank about credit with the FGI PEAC guarantee.
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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.