Credit of up to R$3,000 for the benefit of Caixa: see how to apply

With the market back in action, the Federal Government intends to encourage entrepreneurs to invest in their businesses to increase sales. For this, Caixa Econômica Federal released a credit of up to R$ 3 thousand for micro-entrepreneurs.

Do you want to know if your company is able to receive this amount? See the criteria that Caixa imposes to withdraw this money and how to request it in this article.

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How does the Caixa benefit work?

Caixa Econômica Federal offers a credit service to Individual Entrepreneurs and Individual Microentrepreneurs (MEIs), called SIM Digital. The objective of this program is to stimulate popular entrepreneurship and also the formalization of small businesses.

SIM Digital offers up to R$3,000 for individuals and small companies that earn up to R$81,000 per year. An innovation in the program is to release credit even for people with dirty names or negatives in systems such as SPC and Serasa. This is a good idea, as it can help these entrepreneurs expand their businesses and, thus, pay off their debts faster.

CAIXA SIM criteria for applying for credit

If you intend to apply for this amount, be aware of the requirements established by the program. See below:

Application for MEIs

• Have a CAIXA Corporate Account;
• Have less than 3 thousand reais in bank debts on 01/31/2022, excluding housing loans and unused limits;
• Be an Individual Microentrepreneur with 12 months or more of activity;
• Pass the credit analysis;
• Be framed in the rules of SIM Digital.

Application for individuals

• Possess a Digital Savings+;
• Have your registration updated at CAIXA Tem;
• Have less than 3 thousand reais in bank debts on 01/31/2022, excluding housing loans and unused limits;
• Pass the credit analysis;
• Be framed in the rules of SIM Digital.

Apply for the benefit online

To start your order as an individual, simply download the Caixa Tem application and follow the steps indicated on the platform. If you intend to apply for credit as MEI, go to the nearest Caixa branch and start the process.