As all economic activities in the country, trade and services are going through an intense modernization process in the attempt to provide quality goods and services and competitive
prices.
Trade, a key factor in the productive chain that links manufacturing to
consumption, has been incorporating significant advances in management and
logistics. Large distribution systems are investing on distribution centers and customer service
stores, especially on information technology and personnel training
aspects.
The demand for tourism services, which involve an extensive chain of
relationships, has been contributing to its
modernization. The flows of internal and foreign tourists are
increasing. Significant investments are being executed by important international hotel
chains.
However, the trade and services that play an important role in the generation of jobs are being pulverized and are predominantly constituted by micro, small and medium
enterprises.
BNDES is aware of this reality and offers financing support lines applicable to companies of any scale that operate in these
activities. The objective is to stimulate, structure and follow-up the development of projects related to trade and service
sectors, as well as to develop institutional actions to establish partnerships and articulations with other entities private and public
bodies.
» Financing Facilities
The financing facilities for trade and service projects are operated through FINEM, upon the following financial conditions:
| Financing
Facilities |
BNDES
Spread (% p.a.) |
Financial Cost |
Maximum Share (%) |
| Tourism, Education, Health and Social Work Services |
1.3 |
TJLP (80% maximum)
IPCA or (US$ or UMBNDES) + ECM (20% minimum) |
80(*)
70(**)
60(***) |
| Other Trade and Service Segments |
1.8 |
TJLP (70% maximum)
IPCA or (US$ or UMBNDES) + ECM (30% minimum) |
60 |
Increase of BNDES’s maximum share to boost regional development:
(*) Northern and Northeastern Low Income Cities or Lower Average Income Cities (within SUDENE’s field of activity)
(*) Northern and Northeastern Lower Average Income Cities and High Income Cities (within SUDENE’s field of activity) or Low Income Cities or Lower Average Income Cities from the other regions of the country
(***) Other cities
See: PDR
These lines are operated through the following financial support mechanisms:
FINEM
Automatic BNDES
FINAME
|
