Public programs for MEI

Credit programs for MEI

• ProCred 360 - MEI: credit limit of R$ 5,000 for working capital or investment. Interest: Selic rate + 5% per year. Terms: up to 36 months, with 9 months of grace period and 24 installments. The application is made in the Simei app. The grace period does not waive interest.
• Pronampe: for microentrepreneurs, the credit limit is R$ 100,000. Interest: Selic rate + 6% per year (legal ceiling). Terms: 9 months of grace period + 24 installments, 36 months in total. The request is made with the financial institution of your choice.
• Cartão MEI: a credit card that combines personal and business expenses; part of the purchases returns to the DAS payment.

Other current programs

• CRED+: in structuring, announced on October 28, 2026, it will be a national platform for the distribution and contracting of credit, focused on microentrepreneurs and microenterprises, with integration to public and private databases. There is still no date for the start of operations.
• Contrata+Brasil: for microentrepreneurs, microenterprises and small businesses, it facilitates access to public procurement, with pre-qualification and digital certificates in up to 10 days. In structuring; start date not released.
• MEI Conta com a Gente: digital service to resolve registration issues. It is not a credit program.
• Meu MEI Digital app: free app to organize documents, receipts and cash flow. It is not a credit program.

Receivables tools

• Pix MEI: transfers of up to R$ 5,000 per day for CNPJ transactions. The program is in structuring, expected for the 2027-2030 period, with no launch date announced. See Pix MEI.
• Electronic invoice (NF-e): obligation regulated by Decree No. 13,140, of July 1, 2026, for invoices issued from January 2027. The issuing tool is free. See Nota Fiscal.

How to apply

Each program has its own channel. In general, the steps are: 1) access the official channel (Simei app for ProCred 360, a financial institution for Pronampe, Serasa Empresas for the Cartão MEI); 2) have your CNPJ and documents at hand; 3) follow the proposal status in the app or with the institution. Credit depends on the institution's analysis.

Your MEI can also open a business account with TecBank

TecBank handles the opening of your business account, with service online via WhatsApp, Google Meet or in person. You can check the packages, separate the business finances and verify the receivables conditions and the credit opportunities for your company.

After the opening, we look for credit opportunities according to the company profile and the bank's analysis. The opening and the products follow the financial institution's criteria; a monthly fee waiver depends on the package and on meeting the conditions.

TecBank WhatsApp: (11) 95688-2152 (service in Portuguese). Account opening service is separate from access to public programs: each program keeps its own channels, rules and deadlines.