Federal Government · microcredit Public credit (guided microcredit)
PNMPO: guided productive microcredit
The National Guided Productive Microcredit Program: small credit, with close follow-up, for urban and rural productive activities.
| Nature | Public credit (guided microcredit) |
| Funding source | Federal Government (PNMPO) |
| Where to apply | Microcredit agents |
| Status | In force |
What it is
PNMPO is the federal public microcredit policy: it finances small needs of popular businesses with a relationship methodology and guidance for the entrepreneur.
What it finances
- Working capital and small investments of urban and rural productive activities;
- Credit with guidance for the entrepreneur, including through digital channels (Law 13,636/2018).
Who can apply
- Individual and corporate entrepreneurs;
- Annual income or gross revenue up to R$ 360,000 (the microcompany limit, LC 123/2006).
Verified conditions
- Legal basis: Law No. 11,110, of April 25, 2005, amended by Law No. 13,636, of March 20, 2018.
- Operation: through qualified microcredit agents, with rates and terms set in the program rules.
- Official source: program page at the Ministry of Labor and Employment, verified on November 2, 2026.
How to proceed
Tecbank guides you: eligibility, documents and the right channel for your case, with follow-up until the answer.
Talk to Tecbank about PNMPO microcredit.
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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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