BNDES - Brazilian Development Bank
   



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Who We Support

Clients

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:
 
Classification
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
08/12/2021
BNDES triples profit and attracts resources from the private sector for national development
The Bank attracts billionaire investments in concessions, such as sanitation in Rio, and financing for partnership projects. Gain from disposals of Vale's participating debentures and equity interests positively influenced the result. The BNDES transferred BRL 75.9 billion to the Treasury by July, including advance payments and ordinary payments, dividends and taxes. Profit in the quarter reaches BRL 5.3 billion, accumulating BRL 15.1 billion in the half year.
05/13/2021
BNDES profit continues to rise and disbursements grow to meet needs during the crisis
R$ 9.8 billion in positive result is over 70% higher than in the first quarter of 2020. Recurring profit, which does not consider extraordinary effects, such as asset sales, is R$ 2.4 billion. More than half of the credit negotiated by BNDES went to green economy and social development. Project Factory advances with sanitation in Rio and other projects