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Financing, through accredited financial
institutions, for the production and commercialization of new domestically manufactured machinery and equipment accredited with BNDES.
 Interest Rate
Financial Cost + BNDES Fee + Financial Intermediation Rate + Accredited Financial Institution Fee.
 Financial Cost
For FINAME operations, the financial cost will be
TJLP, with exception of the cases listed
below, when UMBNDES variance plus Currency Basket charges, or the US Dollar variance plus Currency Basket charges, at the percentage of 100% (one hundred per cent),
is applicable:
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 the financing value is based on the total value of the asset; and
Operations of machinery and equipment imports.
BNDES Fee
Defined in function of the Financing Lines, as below: up to
1.8% p.a.
See: Financial conditions applicable 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.
Regarding company size, private individuals will be
compared to the micro, small and medium enterprises
classification.
Accredited Financial Institution Fee
Negotiated between the accredited financial institution and the client; for operations guaranteed by the
Guarantee Fund for Protection of Competitiveness
[FGPC] (Guarantee Fund), up to 4% p.a.
Maturity
The grace and repayment periods must be
defined according to the payment capacity of the
Beneficiary and the business group it belongs, provided
that the maximum maturity of 60 months is not exceeded,
expect for some particular cases.
The grace period, if any, must be multiple of 3 and must
be 24 months at the most for purchase of machinery and
equipment, and 12 months for purchase of computer
supplies by any type of business, except for some
particular cases.
See also: Exceptions for
total maturities and grace periods.
Share Level
Defined in function of the Financing Lines.
See: Financial conditions applicable in accordance with BNDES financing lines
Operations for the acquisition of machinery and equipment presenting a nationalization index, in value, lower than 60%, the BNDES/FINAME share will be computed by multiplying the machine or equipment nationalization index by the share level in force. In exceptional cases, upon a Previous Consulting, at discretion of BNDES Board, the asset total value may be considered, but in this case the operation will be carried out in foreign
currency.
Associated
working capital
It is accepted the financing of working capital associated to the acquisition of new domestic machinery and equipment, in operations carried out with micro, small and medium enterprises, under the Capital Goods Line, taking into consideration the conditions below:
1. The associated working capital financeable portion should be limited to 50% of the equipment value, in operations carried out with micro enterprises, and to 30% in operations carried out with small and medium enterprises;
2. Interest Rate, Maturity and Share Level will be the same applied to the machinery and equipment financing;
3. The financing to the associated working capital is not applied to the acquisition of roadway and farming tractors and machines, bus, chassis and wagons for bus, trucks, tractor trucks, highway tractors, tows, semi-tows, chassis and wagons for trucks, including semi-tows type dolly and alike, cash-in-transit vehicles and special equipment adaptable to chassis, such as platforms, cranes, cement mixers, tanks and trash compactors, to operations of equipment renting enterprises, as well as to operations destined to the service sector and those carried out under the modalities of Financing to Machinery and Equipment Production and Financing to Manufacturers for Trading.
Collaterals
Negotiated between the accredited financial institution and the client. For using
FGPC, please consult its specific
conditions.
See: Collaterals
Addressing
Go to the accredited financial institution, bearing the technical specification (budget or technical/trading proposal) of the asset to be financed. The institution will inform you about 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.
In case of operations:
of values exceeding R$ 10 million;
with differentiated terms for the acquisition of non-conventional vehicles for urban transport and for garbage collection vehicles under an integrated program for collection, treatment and final
disposition;
that require a term higher than the one established;
to finance the acquisition of machinery and equipment presenting a nationalization index, in value, lower than 60%; and
carried out under the Capital Goods Line - International Competition.
The parties interested should consult previously BNDES, by means of the chosen
accredited financial
institution, and address applications to:
BNDES - Banco Nacional do Desenvolvimento Econômico e Social
Área de Operações Indiretas - AOI
Departamento de Financiamento a Máquinas e Equipamentos [DEMAQ]
Av. República do Chile nº 100 - 17º andar - Centro
20031-917 - Rio de Janeiro - RJ
See:
Financial
projects and endeavors, items that are financeable and
ineligible for support
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