Pronampe: learn all about this line of credit for micro and small businesses

This last Thursday (30), the ordinance was published regarding the granting of credits for micro and small companies. Now, they can go to the bank of their choice to get the credit line from the National Support Program for Microenterprises and Small Businesses (Pronampe). To find out more about the rules and concessions to companies in Pronampe, check out the full article!

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Learn all about Pronampe

Pronampe, created in May 2020, is a program that aims to provide loans to small businesses with lower interest rates and a longer term to start paying. Its creation was intended to help entrepreneurs face the economic crisis caused by the coronavirus pandemic.

Ordinance number 191, of June 29, 2022, of the Federal Revenue Service, published in the 30th edition of the Official Gazette, contains the rules for granting credit.

According to the same, in order to obtain the loan, it is necessary for entrepreneurs to share with the financial institution the billing data of their companies. For this, it will be necessary to access the e-CAC platform, available on the Revenue website, and the sharing will be done digitally.

Once the sharing of information is completed, the entrepreneur will be able to negotiate the loan with the bank. If the preferred institution is not listed in the list of possible recipients, it will be necessary to contact the bank branch to verify the forecast for joining the system.

Pronampe's new rules

Among the changes, MEIs can now participate in the program and have access to credit, which was previously not allowed. In addition, companies with annual gross revenue of up to 300 million reais can also participate in Pronampe.

The project provides for the granting of credit guaranteed by the FGO until the end of 2024. Previously, the law only provided until the end of 2021.