Private bank · business product Self-financing - consórcio
Consórcio Empresas: buy goods with no interest
Business consórcio for heavy vehicles, machines and agribusiness: no interest and no down payment, with a fixed administration fee from 10%. Conditions verified on the bank's website.
| Nature | Self-financing - consórcio (not a loan) |
| Funding source | Consórcio group managed by |
| Where to apply | Bank specialist or branch |
| Status | Product disclosed by the bank, checked on November 2, 2026 |
What it is
A planned, scheduled purchase modality: the company joins a group and, when drawn, uses the credit letter to acquire the good - trucks, tractors, utility vehicles and equipment - without paying interest.
Conditions disclosed by the bank
- No interest and no down payment: the cost is the administration fee, from 10% for the whole plan period.
- More than 300 group options to choose amount, term and installment.
- Selection by draw or bid, under the group's rules; until then the good is not yet available - compare with financing when the need is immediate.
- After selection: new credit analysis and documentation before the letter is released.
- Charges: the bank's page informs the fixed administration fee and does not detail other group charges - confirm the chosen group's conditions before joining.
Source: Consórcio for Companies page on the bank's website, checked on November 2, 2026. Administration fee "from" - the final percentage depends on the group.
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