Business credit catalog

How to read this catalog

Not all credit offered by a bank is government money. Below, the products disclosed by are separated by nature: public funds onlending (BNDES), a public program operated by the bank, receivables anticipation and credit with the bank's own funds. Commercial conditions such as rate and final limit are set by the bank, case by case.

Public funds onlending - BNDES lines at

• BNDES Giro: working capital up to R$ 20 million for raw materials, taxes and operating expenses.
• BNDES Automático: up to R$ 150 million, financing up to 100% of investment projects.
• Finame: purchase, production and modernization of nationally made machines, equipment and IT goods.
• Cartão BNDES: up to R$ 2 million of limit, repayment in up to 48 installments, for accredited goods and inputs.

Public program operated by the bank

• Pronampe: working capital under the federal program's conditions for micro and small companies - compare with the Pronampe page.

Receivables anticipation

• Invoice Discounting: anticipation of installment sales with trade or service invoices.
• Check Discounting: anticipation of post-dated checks.
• Card sales anticipation: receipt of installment sales within 1 business day.

Credit with the bank's own funds

• Working Capital: installment loan with amount, term and rate set at analysis.
• Conta Garantida: revolving limit to cover cash flow.
• Giro Franquias: working capital for franchises.
• Giro Recompensa: equal monthly installments, with possible exemption of the last installments paid on time.
• Renegotiation: the bank's portal to renegotiate business debts, with individual proposals queried by CNPJ - conditions and discounts vary case by case.

Suppliers and customers (chain)

• Buying (Compror): credit to pay suppliers upfront and repay the bank in installments.
• Selling (Vendor): the customer buys on terms and the company receives upfront, without using its credit limit.
• Confirming: anticipation of payments to suppliers with chain management.

Purchase of goods and structured modalities

• CDC: direct financing for goods and equipment.
• CDC with Intervention: financing to the final customer with the bank's intervention in the sale.
• CDC Solar (individual): a retail product for residential solar energy, with no business version disclosed - for solar energy in your company, assess the business CDC above or sustainable investment lines with Tecbank.
• Leasing: leasing for fleets, vehicles and machines.
• Consórcio Empresas: planned purchase of heavy vehicles, machines and agro, with no interest and no down payment, fixed administration fee from 10% - see conditions.

How to compare before contracting

Tecbank compares the bank offer with the public and guaranteed alternatives available for your case - such as the BNDES lines, the FGI/FGEnergia guarantee and the federal programs in this catalog - so you contract the right modality at the lowest cost.

Source: business credit page, checked on November 2, 2026. Limit values are those disclosed by the bank and are subject to analysis and change.