The category of MEI's, individual micro-entrepreneurs, is increasingly growing in Brazil, much also as an alternative to unemployment or the desire to undertake.
However, undertaking is not easy at all, especially when you are an individual micro-entrepreneur, when you have to bear all the expenses alone.
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But did you know that there is a specific loan line for MEI? Yes! It's microcredit, a loan with low interest rates and better payment conditions.
In addition, microcredit also has fewer levels of requirements for approval.
These loans tend to have smaller amounts than loans granted to companies, but range from R$100 to up to R$20,000.
Want to know which banks offer loans for MEI? Keep reading!
Which banks offer loan for MEI?
Some of the main financial institutions offer this microcredit service to individual microentrepreneurs.
Among them are:
- BNDES;
- Santander;
- Bank of Brazil;
- Itau bank;
- Federal Savings Bank.
Generally, these banks ask for some requirements before providing the credit, such as, for example, that the micro-entrepreneur already has a bank account for at least 3 months.
And as for the amounts granted, these vary according to the business, as banks tend to release more value for investments in infrastructure.
Thus, if you are looking for one of these banks to obtain an investment to buy machinery, carry out renovations or buy raw materials, it will be easier.
Incidentally, banks also seek to offer lower amounts on first loans, whereas, with confidence, they can offer higher amounts.
However, if conditions still do not favor you, know that there are NGOs and independent organizations that work with microcredit.
In this case, the payment of the loan will be made through bank slips, which makes it easier for people without a bank account.
Credit Card for MEI
Another way to be investing in your business is through the help of installments through credit cards.
And, with that in mind, the BNDES created a credit card for the exclusive use of individual micro-entrepreneurs. A card without much bureaucracy at the time of approval.
Not to mention that the card limit can reach up to R$ 2 million, depending on some special conditions and customer behavior.
It is worth checking!
And if this information was useful to you, then don't forget to share the article with your friend who is also a MEI. Let's spread good news!