BNDES - Brazilian Development Bank

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Who We Support


Private companies with headquarters and administration in Brazil, as well as individual entrepreneurs are eligible to request financing from the BNDES. Public Administration and individuals are also entitled to financing in specific cases (cargo carriers, rural producers or micro entrepreneurs).

To apply for financing from the BNDES, the client is expected to meet the following minimum requirements:

  • fiscal, tax and social obligations must be up-to-date;
  • satisfactory registration must be presented;
  • capacity to make payment;
  • enough guarantees to cover the risk of the operation;
  • client cannot be undergoing credit recovery;
  • comply with legislation related to imports, in case of financing for imports of machinery and equipment; and
  • comply with environmental legislation.

Size of Companies

The BNDES classifies companies according to their size, and the categories are applicable to all economic sectors. The classification by size is taken into consideration in specific financial support mechanisms of the BNDES, which are focused on a specific company size. Additionally, it establishes, in some cases, special financial conditions within the same project or program.

Classification per company size establishes the following categories:
Annual Gross Operating Income
Micro Company
Less than or equal to R$360 thousand
Small Company
More than R$360 thousand and less than or equal to R$4.8 millions
Medium Company
More than R$4.8 millions and less than or equal to R$300 millions
Large Company
More than R$300 millions

Annual Gross Operating Income means the income earned in the calendar year from:

  • the product from the sales of goods and services in own account operations;
  • the price of services provided; and
  • the result of operations in third-party accounts, excluding sales cancelled and unconditioned discounts granted.

Should the activities begin in the same calendar year, the limits defined above will be proportional to the number of months in which the individual or company has been in business, not taking into account fractions of months. In the cases of start-up companies, the annual sales projection used in the undertaking will be considered, bearing in mind the total installed capacity.

When the company is controlled by another company, or if it belongs to an economic group, classification per size will take into consideration the annual consolidated gross operating income.


Recent News  Recent News
BNDES disburses R$ 25 billion in the first semester
Disbursements for infrastructure accounted for 45.5%, totaling R$ 11.4 billion. The electric power and transportation sectors were the highlight among disbursements Micro, small and medium-sized enterprises were the destination of more than 96% of financing operations and received R$ 11.5 billion, 45.6% of the releases. Investments in the North region increased by 108%, reaching R$ 1.6 billion. Disbursements in the South region increased by 10% and reached R$ 7 billion
BNDES registers a net income of R$ 11.1 billion in the first quarter of 2019
In addition to the expressive profit, the data for the first quarter of the year show the estimate of R$ 5.2 billion in taxes in the concept of competence, and R$ 7.1 billion in the concept of cash, thus substantially contributing to the federal government’s fiscal result in 2019.