Federal Government · small businesses Bank credit with public guarantee
Programa Acredita: the credit umbrella for small businesses
Program established by Law No. 14,995/2024 to facilitate debt renegotiation and offer credit at differentiated rates to MEI, micro and small businesses.
| Nature | Bank credit with public guarantee |
| Funding source | Bank credit with FGO guarantee (Acredita program) |
| Where to apply | Financial institutions |
| Status | In force |
What it is
Acredita brings together Federal Government credit and renegotiation fronts for small businesses, operated by banks and backed by public funds.
What it covers
- Desenrola Pequenos Negócios: renegotiation of bank debts of MEI, micro and small businesses with revenue of up to R$ 4.8 million;
- ProCred 360: credit for MEI and microenterprises with revenue of up to R$ 360,000;
- Microcredit for CadÚnico members: oriented operations for Cadastro Único registrants;
- Pronampe renegotiation: extension of program debts, plus sustainable and real-estate fronts.
Who can apply
- MEI, microenterprises and small businesses, according to the eligibility of each front.
Verified conditions
- Legal basis: Law No. 14,995, of October 10, 2024.
- Guarantee: Operations Guarantee Fund (FGO), including FGO Acredita no Primeiro Passo.
- Official source: program pages at the Ministry of Entrepreneurship (MEMP), 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 Programa Acredita.
Click here for more informationPrefer 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.