Frequently Asked Questions

• How to request project financing?

  

  In the case of companies with revenues of up to R$4.8million per year, project funding takes place through public calls for proposals, which are launched frequently and published on BDMG's website and in the media.

  In the case of companies with revenues exceeding R$4.8million per year, the flow of incoming projects is continuous. Request contact from the innovation managers, filling out the form above.

• What can be financed through this edict?

  

  BDMG's innovation edicts are not subsidy edicts. They are open to companies with annual sales of up to R$4.8 million that have projects for the development of new products, processes or services to be developed in the state of Minas Gerais.

  As long as there is a project that fits the conditions of the credit lines offered, and BDMG's credit policy, the items below can be financed, but never an isolated item.

  • I. Construction works, installations, assemblies, furniture and utensils.
  • II. National and imported equipment.
  • III. Informatization (hardware and software) and technological development.
  • IV. Raw material and consumption material.
  • V. Research and development.
  • VI. Training.
  • VII. Consulting services and third parties.
  • VIII. Associated working capital, limited to 30% of the financed value.

• What is considered Innovation for the classification of the financing lines?

  

  Each financing line for innovation at BDMG has specific characteristics. For the lines aimed at innovative projects, it is necessary that the project contemplates the development of new products, processes and services or the improvement of existing ones, with technological challenges and risks.

  For lines aimed at innovative companies, it is necessary to present the pre-defined requirements. In these cases, disruptive and incremental innovations can be financed, including new applications for existing technologies.

  The implementation of Digitalization Solutions, which result in innovations of processes based on enabling technologies for Industry 4.0, is also framed when these are implemented by INTEGRATORS accredited in the resource transferring agency.

  For the Telecom sector, there are specific lines to finance the acquisition of technologies in the telecommunications sector, developed by innovative Brazilian companies and telecommunications equipment.

• Who can apply for the innovation lines?

  

  Legal entities with CNPJ in good standing, of all sizes and sectors, that have projects to be developed in Minas Gerais. It is not necessary to be a technology-based company.

• Does BDMG finance MEIs with innovation lines?

  

  Currently, no BDMG credit lines are available for Individual Microentrepreneurs - MEIs.

• Does BDMG finance startups?

  

  There are no impediments to financing startups, as long as they are at a level of maturity to insert their solutions in the market and consequently forecast revenue generation.

• Is it necessary to prove the application of the resources?

  

  Since this is project financing, the expenses must be proven, as well as the delivery foreseen in the project.