Individual microentrepreneurs (MEIs) are self-employed professionals who now have a CNPJ. Thus, they gain several facilities, including opening bank accounts for legal entities, issuing invoices and requesting loans with lower interest rates.
Agência Fomento Paraná, from Casa do Empreendedor, has a credit program that serves companies with revenues of up to R$ 360,000 a year, with interest of 0.45%. Learn more about this line below.
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The special credit program
The special credit program is developed by the Development Agency of the state of Paraná, Casa do Empreendedor. The loan is intended for individual micro-entrepreneurs and micro-enterprises that have a specific income with special interest rates.
For micro and small companies, this is a way to expand their business, adding more technology, equipment and working capital.
Interest rates are considered the lowest on the market, as they range from 0.45% to 1.55% per month, depending on the loan. With this, many companies can benefit in order to expand their market.
What are the requirements and how to apply?
Casa do Empreendedor is responsible for intermediating the granting of various loans. In 2021, approximately R$743,000 was financed, in addition to approximately R$877,000 in 2020 and more than R$962,000 in 2019.
Due to the low interest rates, many people are attracted, but there are some criteria for granting these loans. This is because they vary according to the time of operation of the company. Thus, the fewer years of existence, the lower the loan amount. In addition, every customer has a period of 36 months to settle the debt and a three-month grace period to start paying.
To find out more about applying for a loan, just access the Fomento Paraná website (www.fomento.pr.gov.br) or call (44) 3624-8065.