With the new proposal for the Believe program, launched by the federal government, Sebrae promises a revolution in access to credit for micro and small enterprises (MSEs) It is individual microentrepreneurs (MEIs) in Brazil. Through a robust guarantee, the Sebrae fund aims to release up to R$30 billion for the segment over the next three years, marking a major expansion in financing possibilities for small businesses.
Announced this Tuesday (30th), the operation does not imply direct provision of resources by Sebrae, but rather acting as a guarantor in credit operations with financial institutions. Through Guarantee Fund for Micro and Small Companies (Fampe)Sebrae can cover up to 80% of the amount requested in loans.
How does SEBRAE’s credit guarantee for MEIs work?
This new guarantee policy represents a potential for significant capital movement, reaching the mark of R$30 billion by 2027. The president of Sebrae, Décio Lima, highlights the institution’s commitment to ensuring that this amount reaches quickly and efficiently into the hands of entrepreneurs, along with the necessary support for secure financial management.
How important is this for the micro entrepreneur?
According to data from the Sebraeonly about 12% of small businesses had access to credit this year. Within the total credit available in the country, only approximately 20% was allocated to MSEs. Fampe’s effective action, therefore, becomes an essential tool to increase these rates and strengthen Brazil’s business fabric at the base of its economy.
How to carry out a credit inquiry?
The first step is to visit the portal Sebrae Conscious Credit. The online platform allows entrepreneurs and MEIs to make an accurate assessment of their need for credit through a financial planning calculator. After filling in information about sales, costs and other key points, the entrepreneur can download a quick guide to better understand the tool and even seek direct support through the Sebrae Relationship Center.
What should I do to request available credits?
- Reading Financial Data: Enter the required information into the Crédito Consciente portal calculator and assess whether the company really needs a loan.
- Choose the Credit Line: The platform brings together more than 250 credit options. Use the available filters — such as type of financing, rates, term, value, among others — to find the option that best suits your business.
- No Warranty: If you do not have your own guarantees for the desired loan, Fampe can act as a guarantor, covering up to 80% of the value of the loan required.
- Revisit the Calculator: With the new information about the necessary credit and the chosen line, use the calculator to make projections and understand the company’s payment capacity.
- Access to Credit: Go to the chosen financial institution with the credit proposal in hand and inform them of your interest in using Fampe as a guarantor.
This new initiative highlights the crucial role that Sebrae plays in Brazilian eco-entrepreneurship, not only facilitating access to the capital necessary for the development and expansion of small businesses, but also offering effective support for corporate financial management.
