O Sebrae recently launched an innovative program called Believe, aimed at individual microentrepreneurs (MEIs) and micro and small companies (MSEs) seeking access to lines of credit. This program promises to change the financial scenario for small businesses in Brazil, offering guarantees that make it easier to obtain credit in the market.
How can Acredite Transform Access to Credit for Small Businesses?
With a robust fund that aims to approve up to R$30 billion in loans Over the next three years, Clique emerges as an essential pillar of support for those who encounter barriers in the traditional financial system. By providing additional guarantees, the program enables entrepreneurs to invest in the growth and innovation of their companies.
What is the impact of Crédito for MEIs and MPEs?
Announced on April 30th, Clique has already started to impact the Brazilian business ecosystem. In addition to expanding real estate credit, the program includes a strategic plan for renegotiating debts of companies in default. This initiative is crucial as small businesses struggle to maintain financial regularity and need support to restructure their financial obligations.
How does Sebrae work in the Believe program?
Sebrae does not directly provide credit, but guarantees operations through the Guarantee Fund for Micro and Small Companies (Fampe), covering up to 80% of the total loan value. This partnership between Sebrae and financial institutions is what allows access to credit to be broader and less bureaucratic, ensuring that more businesses can flourish and expand.
Program Details and Axes
The Believe program is divided into several axes, each targeting a specific audience. These axes range from aid to low-income families to support for foreign investors, showing the breadth and depth of the program in meeting varied needs. For example, one of the axes is dedicated to companies led by women, highlighting Sebrae’s commitment to inclusion and diversity in business.
- Axis 1: Focused on low-income families and informal workers.
- Axis 2: Aimed at MEIs and small businesses, with subprograms such as Desenrola Pequenos Negócios and Proced 360.
- Axis 3: Aimed at the real estate market, benefiting middle class families.
- Axis 4: Attracting foreign investors.
The creation of Crédito by Sebrae is an important milestone for the development of small businesses in Brazil, offering not only financial resources, but also the hope of a more prosperous and stable future for micro-entrepreneurs and small business owners across the country.
