O National Bank for Economic and Social Development (BNDES) card It is an option for companies and micro-entrepreneurs who need low-interest credit to invest in business growth.
MEIs, micro, small and medium-sized companies are contemplated in an uncomplicated way, but without being able to use the budget with personal expenses, only with the company.
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The following categories are entitled to the BNDES credit card:
However, all of them need to present a regularly constituted CNPJ, be up to date with certificates and federal taxes, be nationally controlled and have revenues of up to R$ 300 million year.
For individual micro-entrepreneurs, annual revenue cannot exceed R$ 360,000.
For apply for a BNDES credit card just access the BNDES Card Operations Portal, select the option “Apply for your BNDES card”, fill out the electronic form and click on “Next”.
Afterwards, go to the commercial bank that issued the BNDES card, where your company has a legal account, and take the necessary documents.
But, if the company is not an account holder, the request can also be made on the website, while the opening of a current account at the accredited bank of your choice is arranged.
In this case, the accredited bank will be responsible for analyzing the credit, issuing the BNDES card, as well as determining the limit to be granted.
It is worth mentioning that the customer can have the BNDES card according to the flag of his issuing bank, according to availability, and add up the limits to make purchases.
see the list of financial institutions and BNDES card brands:
O BNDES credit card makes it possible to finance some new and domestically manufactured items, accredited on its portal. Are they:
It is important to point out that vehicles can only be financed if they are going to be part of the company's operational logistics.
However, companies in the motorcycle, vehicle and auto parts trade segment are not authorized to purchase through the BNDES card.
And, under no circumstances, can working capital be financed by the BNDES card.
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