Brazilians who want to start or already have a small business can use the Digital Microcredit Simplification Program for Entrepreneurs (Digital SIM). Loans of up to R$3,000 can be made through the app. this line of credit is only available to individual entrepreneurs who want to invest or those who are MEI (Individual Microentrepreneur). The two groups have slightly different conditions, such as fees, interest and amounts. Check out more information on the topic below!
Read more: Caixa Tem releases loans for negatives and MEIs through the Digital SIM
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About taking out the loan
People with negative names in credit protection bodies, such as SPC and Serasa, can also apply for the SIM Digital service. For this, a debt of no more than 3,000 reais is sufficient.
As mentioned earlier, loan terms vary depending on the audience. Check below:
- Individuals: up to R$1,000, interest rate of 1.95% monthly and up to 24 months to pay;
- MEI: up to 3 thousand reais, interest rate of 1.99% monthly and up to 24 months to pay.
Service contract for each
Individuals can apply for loans directly in the Caixa Tem application, without leaving home. Just download the latest version of the tool and update your data to access all available services.
Those who are MEI need to go to Caixa's physical branches to hire the service. Thus, at the time of application, proof of at least 12 months of activity in the CNPJ must be provided.
Learn how to update your app and your personal data
It is recommended that the information be updated only by the application. To do so, just follow the steps below:
1st: First, download the most up-to-date version of the app or just update the app if you already have it installed.
2°: Then, update your data by clicking on the “Update your registration” option.
3°: Update your address if you have moved. It will be necessary to click on the button “My address has changed”, enter the zip code, complement the address and follow on “Yes, it is correct”
4°: Update income and assets (you inform if you have any) and inform if you work (signed, informally or self-employed) or if you only receive government benefits.
5°: Now inform how much you earn or the approximate amount.
6°: In addition, also say how long you have received this income.
7°: Finally, check that all your data is correct.