Business loans in Brazil

BNDES headquarter in downtown Rio de Janeiro. Photo: Paulo Vitor / Agencia Estado

BNDES headquarter in downtown Rio de Janeiro. Photo: Paulo Vitor / Agencia Estado

Micro and small companies are those that frequently ask for bank loans especially during the first five years of business. In Brazil getting a company loan is extremely difficult, which is one of the reasons why over 50% of businesses close within 5 years after opening. Here we will understand more about BNDES, Caixa and Banco do Nordeste which are the main banks in Brazil that offer special credit lines for companies.

The requirements for obtaining credit varies according to the bank. However, the fundamental requirement is that the business owner doesn’t have any previous bad credit listed with the credit protection bodies such as the Credit Protection Service, known as SPC and Serasa.

There are many possibilities and variables that go into getting a company loan. Criteria such as the size of the business, disposable income and type of credit you want to obtain are factors that diversify the process. Among the major Brazilian financial institutions that grant loans to companies are BNDES, Caixa Econômica Federal and Banco do Nordeste.


BNDES, the National Bank for Economic and Social Development, is a federal public institution that works as a long term financing instrument for investments in various economic sectors. In order to incentivize businesses in Brazil, the bank invests in the creation and expansion of companies in the country. Of the 100 largest companies in Brazil BNDES financed 91, which represents 78% of the investments of the bank.

BNDES also acts as an intermediary between the company and other banks, as many financial institutions offer BNDES products and services exclusively for companies interested in certain types of loan.

There are some types of company loans offered by BNDES, covering funding of production and acquisition of new machinery and equipment and procurement of goods and inputs. There is also the microcredit, which grants small loan amounts to formal and informal micro companies, usually without access to the traditional financial system. Another special type of loan is BNDES Finem, aimed to finance projects with a value equal or greater than BRL 20 million.

BNDES Exim is a loan for the production of goods and services exportation. This loan is also intended to support the marketing of goods and national services abroad. In addition, to support commercialization of Brazilian goods abroad, through credit line opening in foreign financial institutions.

Caixa Econômica Federal

Caixa Econômica Federal, or CEF, is a 100% public company that prioritises sectors such as housing, basic sanitation, infrastructure and services, but also supports cultural, educational and sports activities. CEF is responsible for government programs such as the Service Time Guarantee Fund, known as FGTS, and the Social Integration Program, known as PIS. In addition, this bank supports governmental social programs, like the Bolsa Familia, FIES and Minha Casa Minha Vida.

The PROGER Investgiro is an exclusive line of credit for companies with annual revenue of up to BRL 7.5 million and aimed towards the financing of fixed investment projects, with working capital associated or not. The funding limit is up to BRL 600 000 and the payment term is up to 60 months, including a grace period of up to 12 months.

Microcredit Caixa is a way of obtaining faster credit and intended for formal or informal small business owners or independent professionals. The minimum loan amount is BRL 300 and the maximum is BRL 15 thousand according to the need and the size of the business. The payment period is from 4 to 24 months. CEF offers 5 other types of credit services for working capital and for the maintenance of operational activities of small businesses.

There are two lines of credit offered for Caixa’s client companies, which are Conta Garantida Caixa and Giro Caixa. Both are intended to meet working capital needs. The payment term varies according to the size of the company, as well as the credit limit. Crédito Especial Caixa Empresa is a line of credit for companies which are not Caixa’s account holders. The financing resources can be used, for example, to balance the cash flow in an emergency or pay suppliers.

If the company is already a Caixa client and has an annual revenue of up to BRL 50 million they can use a special credit line Giro Caixa Fácil. The credit is up to BRL 1 million, to use as the company wish. This option is available as pre-approved credit for a transaction account and the period for payment is up to 40 months.

Banco do Nordeste

The Northeast Bank of Brazil, known the Banco do Nordeste do Brasil, is the largest regional development bank in Latin America and a public bank engaged in promoting sustainable development. The bank offers a range of distributed credit lines in the main market sectors, in special agro-industrial, commerce and service, infrastructure, industrial, rural, technology and tourism. Each of these sectors have specific funding programs depending on the activity.

The Bank grants micro and small companies a set of credit lines for working capital, according to the company’s needs. Giro Insumos is intended to finance inputs, supplies and inventory building. The maximum amount of credit available for micro companies is up to BRL 240 000 and for small businesses up to BRL 2 million. The payment term is 24 months including a 3 month grace period.

The credit line MPE Capital de Giro is intended to supply the resources company for various payments. The value of the credit is from BRL 1 thousand and the period for payment is up to 1080 days. The last credit line offered to micro and small companies is the Giro MPE 13°, which aims to cover early payment of the 13th salary. The credit available is up to 100% of the payroll and the payment term is up to 12 months.

Innovation Norway is responsible for promoting the Norwegian industry abroad. Our office in Rio de Janeiro manages Innovation House Rio, our business incubator office, and helps Norwegian companies in their efforts towards the Brazilian market.

Tagged with: , , , , , , , , ,
Posted in Brazil
31 comments on “Business loans in Brazil
  1. Brian says:

    Hello my name is Brian Walker , God has favour me, I want to let you all know that there are a lot of bad persons here trying to get our money and not giving us what we ask for, I was financially strained few months ago, I lost my parents 4 years ago, and after that I was desperately in need of a loan because of my education, bills and some other things, I almost gave up on my education until one of my friend directed me to Mr. Joseph Tyler, who lend me a loan of $85,000 under five days. So for those that are out there like me, If you are in need of any kind of loan just contact him now via:, I’m saying all of these because of the hell I passed through in the hands of my former phony lender and you know what…… I don’t wish my haters to go through such hell that I went through in the hands of those phony online lenders. Please once you get your loan from Mr Joseph Tyler, also let others know, your friends, close ones. Mr Joseph Tyler is a blessing that God sent to me after all my relations couldn’t help me. May God continue to bless him.

  2. wisdom says:

    hi i am wisdom i have been seeking loan for many months and i was lucky to meet this company

  3. john martins says:

    I am from New york, United State, am here to testify of how i got my loan
    from Mrs Ingrid {} after i applied Two times
    from various loan lenders who claimed to be lenders right in this forum,i
    thought their lending where real and i applied but they never gave me loan.
    I was in need of an urgent loan to start a business and i applied from
    various loan lenders who promised to help but they never gave me the
    loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of
    INGRID Loan Company who promised to help me with a loan of my desire
    and he really did as he promised without any form of delay, I never
    thought there are still reliable loan lenders until i met Mrs Ingrid, who
    really helped me with my loan and changed my life for better. I dont know
    if you are in need of an urgent loan, free feel to contact Ingrid loan
    company on email{

  4. Mr Henry King says:

    Good day,
    Are you in need of an urgent loan to pay up your debts? open your own business? Buy a car or home? I am Mr. Henry King, A legitimate and a reliable private lender. I offer all kinds of Loan packages. I give loans under clear and understandable conditions at an interest rate of 3%. From $ 5000 to $ 6000000 USD, Euro and pounds only. I provide business loans, personal loans, student loans, auto loans, New year loans, bank loans and loans to pay bills.If you are a serious person and you are interested in my services please hurry now and get your loan via this
    email: (

    An honest person should apply for a loan from my company now

    Awaiting for your urgent response now.


  5. mr johnson says:

    Hello, Do you need finance to
    consolidate your debt? Do you need
    funding to help your company get back on track? So I have the best solution for you. If your new business is like most startups, you’re seeking loan somewhere between $5,000 and $5,000,000.00 million to get it off the ground. After exhausting your personal savings and loans from relatives and friends, your first instinct might be to get a bank loan
    or an SBA loan. Before you act on this
    instinct, let me tell you about this loan firm i got a loan from same day. JOHNSON CAMILUS LOAN COMPANY is the right place to be, i got a business loan of $350,000.00 from this firm after been scammed of $1,790.00.. But today i am a
    business owner and my business is fast growing,if you need any type of loan today do not fail to contact this firm because this is the right place to be when seeking for loan help, their interest rate is very low (3%) contact this firm today for your loans through email and you will be glad you did. Email

  6. Faruk says:

    Why do you suffer in silence? contact us for help!

    Are you a man or a woman? Are you in a disaster or
    need monetary support to start their own business?
    If so, make your dreams by contacting us for
    more information send an email to:

  7. adam westerweck says:

    Do you need a fast loan to buy a car, house, pay fees, pay bills and business loans then search no further as Adam Westerweck Loans is the right place to be. We give out loans between the range of $5,000 and $10,000,000 respectively we give out loans with 2% interest rate with less stress. Apply now to get a loan


  8. Mr Garry says:

    Good day, Are you in need of an urgent loan to pay up your debts? open your own business? Buy a car or home? I am Mr. Garry, A legitimate and a reliable private lender. I offer all kinds of Loan packages. I give loans under clear and understandable conditions at an interest rate of 2%. From $ 5000 to $ 600.000.00 USD, Euro and pounds only. I provide business loans, personal loans, student loans, auto loans, New year loans, bank loans and loans to pay bills.If you are a serious person and you are interested in my services please hurry now and get your loan via this email: ( An honest person should apply for a loan from my company now Awaiting for your urgent response now. GOD BLESS YOU.

    • Okereke ke says:

      My name is okereke KELECHI from Nigeria I need money support I a loan of $500000 please I we pay you back my Account number is 3674699012 my Account name is okereke KELECHI my bank name is FCMB my phone number is 2348169851703 please help me please thanks God bless you

  9. Okereke ke says:

    My is okereke KELECHI from Nigeria I neeney to support my business

  10. You Need a loan…..?

    Contact Mr James William, a private money lenders and also in real estate management. Here comes a good loan offer for all those who needs Financial assistance at a low rate of 3%. With Red Cross loan Improvement, you can say goodbye to all your financial crisis and difficulties. We give out loans of any amount. We fight financial crisis and to give a room for bright future in our society as we do our business .If you are interested you should indicate your interest and we shall assist you in securing your loan.

    Apply with details.

    1. Your names:
    2. Amount Needed:
    3. Your country:
    4. Loan Duration:
    Your address:
    6. Phone Number:
    7. Monthly Income:
    8. VALID ID:

    (International or National)

    Contact Person: Mr James William

  11. Mr Thomas Davis says:

    Enjoy triple benefits when you take a Loan from Square Capital:
    • Interest rates – What could be better than getting a loan at competitive rates? Apply for Square Capital’s Loan Against Property NOW

  12. ANTON ALFONS says:

    I like to share my investment for people with financial needs, I can give loans from € 5000 to € 15 million or even more to know that we are in particular, my annual interest rate of 2%, applies regardless of the amount, Duration, is From 1 to 15 years, of course, depending on the amount, because for me lent in supporting the family in good faith in the urgent need to participate to establish the end of some concern.
    Get in touch with me.
    For more information, please contact me at, to inform me and know my particular among the conditions of financial credit offer are very reliable and very safe.
    Mr. Anton Alfons. Waiting your reply.

  13. James says:

    I am a private lender and Investor, Do you need a legit, honest,reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all
    kind of projects. For more details contact us

  14. Mr Milicient Barasa says: (MBLA). Inc. USA is a direct Loan Agency and Lending Institute that provides Affordable Loans/ Investment Packages to Individuals, Groups and Companies around the Globe, Bad credit and No credit scores are welcome.
    Esteemed Applicants; your Loan Application will never be referred to other person apart from Agents/ Managements of (MBLA). Our aim is to provide installment loans to fit your budget. Unlike many of our competitors,
    MilicientBarasa Loan Agency (MBLA). Inc. USA Loan Packages have terms between 5 to 30 years with no early payoff penalties of 1 year after Loan has been Transferred & Confirmed, Note your Loan Application are reported to Trans Union, which may help improve your credit, and are made to prevent costly rollovers. Your credit score or previous bankruptcy will not affect a Loan Approval since we only pay attention to your credit history.
    We uphold Professional Excellence, our definition of excellence lies in; Outstanding Customer Service, Affordable Payment & Repayment Plans, Fast & Easy Process>>>>>
    Loans and Project Funds obtained from us is between the range of $50,000.00 to $2,000,000,000.00 or its equivalent in any other currency.
    If you are interested in benefiting from this ample opportunity kindly contact us with the information below:
    Yours In Service
    Mr Milicient Barasa
    Managing Director / CEO.
    Milicient Barasa Loan (MBLA). Inc
    Tell:+1601 904 2211
    +1904 323 1795

  15. Ocean Finance and Mortgages Limited says:

    Do you need a loan? If yes! Contact Ocean Finance and Mortgages Limited ® for small and large loans amount. We give out loan at 2% interest rate. Contact us today via e-mail at: .We also gives out loans from (£5000) Thousand Pounds to (£100,000,000) Hundred Million Pounds to individuals and companies, the credit is open to all regardless of nationality.

  16. atm hackers says:

    Get $5,500 USD every day, for six months! See how it works
    Do you know you can hack into any ATM machine with a
    hacked ATM card?? Order for a blank ATM card now and get
    millions within a week!: contact us via email We have specially programmed ATM cards that
    can be use to hack ATM machines, the ATM cards can be used
    to withdraw at the ATM or swipe, at stores and POS. We sell
    this cards to all our customers and interested buyers
    worldwide, the card has a daily withdrawal limit of $5,500 on
    ATM and up to $50,000 spending limit in stores depending on
    the kind of card you order for:: and also if you are in need of
    any other cyber hacking services, we are here for you anytime
    any us via email address::

  17. Greetings,
    APPLY FOR A 2.5% LOAN.
    Do you need an easy qualifying Business or personal loans from $1,000-$10,000,000? Unclear bills? Student loan? Bad credit or Good credit, makes no difference with us.2,5%
    of applications are approved within 48Hours. To
    apply, get in touch with us via: EMAIL:

  18. Larry says:

    Larry terry Loaners offers personal loan services across the globe. We strive to deliver high-quality service and great customer satisfaction, all while making financial services more accessible. We pride ourselves on our commitment to our customers; We grant, Personal loan, Auto loan, business/investment loan,short term loan .You can contact us for an affordable loan now at 2% interest rate. Contact us now at

  19. Joachim Kim says:

    Do you need a loan? email:-

  20. adamswillson says:

    hello am jeff from Orlando Florida—USA. I was extremely in need of a loan for my business because my business was running down and I was finding it difficult to get a loan from banks/other financial corporation due to my credit score. I was desperate to try almost every money-making opportunity on the internet and Finding Lynn trust loan company. and her services rendered was a breath of fresh air in my life. Finally I met a genuine lender and a service that I can trust—and I have to say lynn trust loan company did not disappoint me! The service they rendered to me was extremely wonderful and now the future finally looks bright for me and my business because I was enable to get a loan amount of ($600,000.00). If you must contact any firm to get any amount of loan you need today, with low interest rate of 2% and better repayment schedule, please contact : ( to to solve any financial problems you might be passing through now. regards….

  21. Juana delgado says:


    Are you looking for a business loan, personal loan, home loan
    Auto loans, debt consolidation loans,
    unsecured capital loans
    Risk, etc. or you have been denied a loan from a bank or financial institution
    Set one or more solutions, not reasons.
    I am a private lender, loans to companies and individuals at a low level
    Interest rate of 2% and affordable. Interested? Contact us for your
    Transfer loan today within 28 hours. CONTACT:

  22. John John says:

    Attention Please:Are you worry about you debts Are You Financially down ? Do you need a loan to pay off your bills or buy a home Or Increase your Business ? Apply for a loan now and get approved. We offer all kinds of loan at a reduced interest rate of 3%. Our loan program is very direct and flexible as Your Satisfaction and Financial Success is our Aim. IF INTERESTED, for more info do contact us now via Email: (

  23. Leo Stevens says:

    Damat Financial Corporation, Inc.

    We are Private International Money Lenders. We offer various loans at a very low interest rate of three percent per annum. Our funds are purely earned from private and corporate investment portfolios under our direct jurisdiction.

    * Personal Loans * Business Loans * Investment Loans * Car Loan
    * Student Loan * Farm Loan * House Loan

    If you are interested in our offer please state briefly the following information to the management through Email:

  24. Mr Harry Ben says:

    Do you need a personal & business or Investment funding, without stress and quick approval? If yes, contact us today as we are currently offering loans at superb interest rate at 3%. Our finance is secured and safe. Our customers happiness is our strength. loans from the tune of €5,000 -€1,000,000.00 USD Euro and Pounds, available now are Business, Personal, House, Travel and Student Loans Etc. For more info Send in detailed loan proposal(Loan amount and duration)

    Loan Officer.
    Monday-Saturday:7:30am-6:30pm {Processing time}.
    Sunday:12noon-6:30pm {Processing time}

  25. alex jack says:

    Hello Are you looking for a business loan, personal loans, mortgage loans, auto loans, student loans, debt consolidation loans, unsecured loans, venture capital, etc … Or have you been declined a loan by your bank or financial institution for one or more reasons? Here you will get solution to that problem as long as you are found eligible for the loan and trust worthy. We offer loans from a minimum of $5,000 to a maximum of $10,000,000.00, we offer loans to companies and individuals at a low and affordable interest rate of 2%. So if you are interested in a quick and easy loan. Contact us today: EMAIL 1:

  26. Hello my name is Percival Hess and I am a private loan lender. Do you need a loan? Do you want to be financially stable? Or do you want to expand your business? We offer company loan, auto loan, business loan, and personal loan at a very reduced interest rate of 3% with comfortable duration that is negotiable. This offer is open to all who can afford it on time. Contact us through our email:

    WhatsApp, +2348038127994. I expect a quick response. Percival hess.

  27. Steeman Andre says:


  28. Antony ivon says:


  29. Mike loan offer says:

    Welcome to the mikelawson Investment Company (TMIC) The opportunity is here for you to get what you have been looking for, the development and growth of the economy depends on investment and all business/startup needs funding to expand. It is time to move forward and establish.
    The mikelawson Investment Company is out to help investors, entrepreneur, individuals and companies get the funding they need to establish. We invest on properties/business and also offer Start-up loans, Property/Business loans, Investment loans, Agricultural Loan, Rehab/Expansion loans, Personal loans, Educational Loans, Real estate loans, Fix/Flip Loans, Construction loans, Mobile home loan, Debt free loans, Equity/Refinance loans e.t.c.
    We can help your business or project with a loan at a low interest rate of 2%. If you are interested, please kindly send an email, TMIC is here to assist you achieve your goal.
    If you are interested in a loan,
    Telephone: ( to discuss further.


  30. Abban kangan says:

    We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 1%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Abban Kangan
    E-mail :
    Skype id

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: