» PROSOFT - Commercialization

Financing for the acquisition, in the internal market, of softwares and related services developed in Brazil, exclusively through  Accredited Financial Institutions.


» Clients

Companies with headquarters and administration in the country, and 

Direct or indirect public administration;


» Items Eligible for Support

Full or partial intellectual property right license of national computer programs developed by BNDES accredited suppliers, and related service provision, such as consultancy, implementation, integration, training, customization, etc; 
Full or partial intellectual property right acquisition of national computer programs developed by BNDES accredited suppliers, and related service provision, such as consultancy, implementation, integration, training, customization, etc;  

The amount of related services to be financed shall be limited to 150% of the product associated thereto, being not necessary that such service providers be accredited. 


» Procedures for Supplier Accreditation

Private legal entities, headquartered in Brazil and which maintain software development activities in Brazil, which meet accreditation criteria defined by BNDES, among which are the rules of origin. The rule of origin shall initially be certified by a declaration to be submitted by the software supplying company that this has been developed within the country, under the criteria defined by BNDES. This declaration shall be subject to later auditing, by sampling, carried out by an institution to be defined. 

The accreditation of companies which meet the mentioned requirement may be carried out in three different ways: 


Companies which have already requested accreditation as suppliers in BNDES Card 

In this case, the companies will have to update their product records, indicating that their products belong to a category related to software and expressing their will to also participate in Programa Prosoft Comercialização [Prosoft Commercialization Program]. This update shall be carried out by accessing the Portal do Cartão BNDES [BNDES Card Portal], with login and password and, afterwards, through the function "product record" in the left menu. 

Companies which have not requested accreditation as suppliers in BNDES Card and wish to simultaneously request their accreditation in BNDES Card and in Prosoft Commercialization 

In this case, they shall access Portal do Cartão BNDES, select the item "Be an Accredited Suppliers" and submit all the information and documentation requested, or click here. After requesting accreditation, the company shall use its login and password to access the area destined to suppliers and during the accreditation process, there will be a question about their desire to participate, or not, in the Prosoft Commercialization. 

Companies that wish to request their accreditation only for the Prosoft Commercializatin Program 

In this case, they shall send a message to the email to credenciamento_prosoft@bndes.gov.br, requesting their analysis for potential accreditation, informing their CNPJ , CNAE and contact data. 


» Financial Conditions

BNDES's Participation: Up to 100% of items eligible for financing.

Interest Rate:  

Pre-fixed and equivalent to the sum of:

Financial Cost: Long Term Interest Rate - TJLP, set on the date of protocol of the operation with BNDES; 
BNDES spread: 1% per year; and 
Accredited Financial Institution spread: up to 4% per year. 

Equivalence to the TJLP shall occur simply for calculating the rate applicable to the operation. The agreed rate shall remain constant throughout the duration of the financing contract, not following future TJLP variations. 


Maturity: Up to 42 months, including a grace period of up to 18 months.


» Value of the installments and periodicity

The financing installments shall be fixed, calculated by the French System - PRICE. Interest shall be quarterly capitalized during the grace period and monthly paid during the amortization period, altogether with the debt principal. 


» Collaterals

At the discretion of the Accredited Financial Institution, observing the regulations of the Central Bank of Brazil, being not allowed the pledge of trade receivables resulting from financial investment. The guarantees may be offered by the client or by the supplier.

See: Guarantees


» Addressing

Please contact the accredited financial institution . The institution will inform the documentation required, analyze the possibility to grant the credit and negotiate the guarantees. After approval by the institution, the operation shall be forwarded for homologation and later release of funds by BNDES.