Pronampe: credit for micro and small businesses
Working capital and investment backed by the Operations Guarantee Fund (FGO). See the conditions for new contracts and prepare your file with Tecbank.
What it is
Pronampe is a Federal Government program created by Law 13,999/2020. Operations are guaranteed by the FGO and contracted at banks. It is not a BNDES line: it is a separate regime with its own rules.
What it finances
- Working capital: the company's day-to-day cash flow.
- Investment: the growth and structure of the business.
Who can apply
Microenterprises (ME) and small businesses (EPP), within the revenue limits of Complementary Law 123/2006.
Conditions for new contracts
- Limit: up to 30% of the company's annual gross revenue.
- Company under 1 year old: up to 50% of the share capital or up to 30% of 12 times the average monthly gross revenue, whichever is more favorable.
- Total term: up to 72 months.
- Grace period: up to 12 months.
- Maximum rate: Selic + 6% per year.
Central Bank of Brazil, SGS 432 series. The Pronampe cap tracks Selic.
How to contract
The application is made at an accredited bank, with the company's documentation. Tecbank organizes the file with you: eligibility, documents and follow-up until the bank's answer.
Talk to Tecbank about Pronampe for your company.
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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.