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Financing, through accredited financial institutions in
order to perform the investment projects which financing
value is up to R$ 10 million, within 12 months, also
respecting this limit by the Beneficiary.
Projects aiming at the implementation, enlargement,
recovery and modernization of companies, including civil
works, assemblies and installations; acquisition of new
equipment in Brazil, accredited by BNDES; working
capital associated to the project; among other items.
 Interest Rate
Financial Cost + BNDES Fee + Financial Intermediation Rate + Accredited Financial Institution Fee.
 Financial Cost
In the operations of Automatic BNDES Product, the
financial cost will be Long-Term Interest Rate – TJLP,
except for the following operations listed:
1 - It will be applied the UMBNDES variance plus Currency Basket charges, or the US Dollar variance plus Currency Basket charges, at the percentage of 100%
(one hundred per cent), in the following operations:
Operations of any value carried out with Brazilian enterprises under foreign capital control engaged in economic activity not included in the Decree no. 2.233, of
05.23.1997, and subsequent
amendments;
Operations for the acquisition of machinery and equipment presenting a nationalization
index, in value, lower than 60%, in case of financing value based on the total value of the
asset; and
Operations of machinery and equipment imports. (*)
2 - The UMBNDES variation plus Currency Basket Charges or US-Dollar variation plus Currency Basket Charges will be applied on the minimum percentage of 30%, in the Productive Capacity Investment Line – infrastructure, other Industries, Farming and Tourism and Investment Productive Capacity – Trade and Services, in operations that has as Beneficiaries:
Large-sized Brazilian companies under control of domestic ownership.
Large-sized Brazilian companies under control of foreign capital, that perform economic activity specified in the Decree nº 2.233, of 23.05.1997 and further amendments.
BNDES Spread
Defined in function of the Financing Lines: up to 1,8% p.a.
 See:
Applicable financial conditions in accordance with BNDES financing lines
Financial Intermediation Rate
0.5% p.a.
Operations with Micro, Small and Medium Enterprises are exempt of the Financial Intermediation Rate.
For size effects, the private individuals are compared to the Micro, Small and Medium Enterprises.
Accredited Financial Institution Fee
Negotiated between the accredited financial institution and the client;
Limited to 4% p.a. in the operations guaranteed by Guarantee Fund for the Promotion of Competitiveness – FGPC (Guarantee Fund).
Maturity
The grace period and total term are defined by the financial institution in function of the endeavor, enterprise or
economic group's payment capacity.
The total financing term, for INTERNATIONAL COMPETITION operations, will be determined at the eligibility phase, limited to 18 months, in case of support to Equipment Manufacturers, and to 144 months, in other cases. EQUIPMENT IMPORTS operations
(*) will have a total term of up to 60 months.
The grace period should be defined in such a way that the grace ends, in the maximum, up to 6 months after the endeavor's commercial start-up operations. Larger terms are acceptable, upon justification, when the project maturation date so
requires.
Share Level
The share level in each operation should be determined based on the effective necessity of the proposing enterprise, taking into consideration the maximum levels presented for each Financing
Line.
See:
Applicable financial conditions in accordance with BNDES financing lines
Associated
working capital:
The associated working capital portion will be computed in function of the endeavor's specific needs, up to the following limits, applied on the financeable fixed investment:
· Microenterprises: up to 70%;
· Small enterprises: up to 40%;
· Medium enterprises: up to 40%;
· Large enterprises: up to 15%.
Notes:
1. For small, medium and large enterprises, when computing associated working capital, the portion related to machinery and equipment is limited to the amount of the project's other financeable items;
2. It cannot be considered for purposes of computing the investment in associated working capital the investments in equipment financed by the Special Agency for Industrial Financing [FINAME], which operation has included the financing of working capital associated to a single acquisition of asset;
3. The associated working capital portion may have a repayment term lower than the fixed investment portion.
Collaterals
Real and personal, negotiated between the accredited financial institution and the client. Consult its specific conditions for use of the
FGPC.
See: Guarantees
Addressing
Go to the accredited financial institution of your preference, which will inform you the necessary documentation, will analyze the possibility of credit granting and will negotiate the guarantees. After approved by the institution, the operation will be addressed for approval and subsequent release of funds by BNDES.
See
Financial
projects and endeavors, items that are financeable and
ineligible for support
(*) The operations form for this facility is temporarily suspended, as per Notice AOI nº 20/2006, of December 04, 2006.
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