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OPPORTUNITY

2nd BDMG INNOVATION NOTICE

Competitive credit for your company to develop new products or services, modernize processes, develop marketing tools and much more.

Read more

BDMG is a partner of the Minas Gerais innovation ecosystem.

Get to know the three lines of credit,
according to the company's framework and the nature of each project.

See Innovation Notice
(Only Portuguese)
Inovacred

Inovacred
  • Attractive rates

    From TJLP + 0,74% a.a.*
  • Term to pay

    Up to 96 months
  • More time to plan

    Grace period of up to 24 months
  • Differentials

    Funding from R$ 150 thousand to R$ 10 million per company.

    Funding of up to 80% of the value of the project.

    No incidence of IOF.

For companies with turnover R$ 4,8 million up to R$ 16 million per year.

Access the Notice and request now!
(Only Portuguese)

For companies with turnover more than R$ 16 million and up to R$ 90 million per year.

Contact us and request now!
Inovacred

What is it: FINEP/BDMG partnership to finance the development of new products, processes or services at the regional or national level.

Who is it for: Companies with annual gross turnover of up to R$90 million.

Items that can be financed:

Civil works, construction and renovation; new, used or imported machinery and equipment; Research and Development; Raw materials and consumables; Intangible investments (consulting, marketing, design, technology, quality, certifications, training, intellectual property).

Financing with resources from the Financier of Studies and Projects – FINEP, destined to projects for the development and improvement of new products, processes or services, marketing innovation or organizational innovation, which fall under the lines of Inovacred, Expresso or Conecta. Interest rate of TJLP + 5.00% per year or SELIC + 5.00% or per year, with equalization of up to 100% for the TJLP, depending on the customer's line and size. CET (Total Effective Cost) from TJLP + 0.20% per year. Maximum term according to the line, which may reach 132 (one hundred and thirty-two) months, including up to 36 (thirty-six) months of grace period. Product without IOF tax. Financing subject to credit analysis and assessment by FINEP, with a maximum limit of up to R$ 10 (ten) million, also according to the line.

Inovacred Conecta

Inovacred Conecta
  • Attractive rates

    From TJLP + 5% a.a.*
  • Term to pay

    Up to 132 months
  • More time to plan

    Grace period of up to 132 months
  • Differentials

    Funding from R$ 150 thousand to R$ 10 million per company, depending on the size.

    Funding of up to 80% of the value of the project.

    No incidence of IOF.

For companies with turnover R$ 4,8 million up to R$ 16 million per year.

Access the Notice and request now!
(Only Portuguese)

For companies with turnover more than R$ 16 million and up to R$ 90 million per year.

Contact us and request now!
Inovacred Conecta

What is it: Credit line, in partnership with FINEP, with special conditions for projects involving cooperation with ICTs (Science and Technology Institutes), such as EMBRAPII, National Innovation Centers, SIBRATEC, SENAI etc.

Who is it for: Companies of all sizes that have partnerships with ICTs already registered or eligible for registration with FINEP.

Items that can be financed:

Civil works / installations, national and imported equipment, software, raw materials and consumables, own team, training, consultancy services, third party services, travel /daily, access fee to guarantee funds and guarantors, among others.

Financing with resources from the Financier of Studies and Projects – FINEP, destined to projects for the development and improvement of new products, processes or services, marketing innovation or organizational innovation, which fall under the lines of Inovacred, Expresso or Conecta. Interest rate of TJLP + 5.00% per year or SELIC + 5.00% or per year, with equalization of up to 100% for the TJLP, depending on the customer's line and size. CET (Total Effective Cost) from TJLP + 0.20% per year. Maximum term according to the line, which may reach 132 (one hundred and thirty-two) months, including up to 36 (thirty-six) months of grace period. Product without IOF tax. Financing subject to credit analysis and assessment by FINEP, with a maximum limit of up to R$ 10 (ten) million, also according to the line.

Inovacred Expresso

Inovacred Expresso
  • Attractive rates

    From TJLP + 2,87% a.a.*
  • Term to pay

    Up to 48 months
  • More time to plan

    Grace period of up to 12 months
  • Differentials

    Funding of up to 80% of the value of the project.

    Financing for an innovative company.

    No incidence of IOF.

For companies with turnover R$ 4,8 million up to R$ 16 million per year.

Access the Notice and request now!
(Only Portuguese)

For companies with turnover more than R$ 16 million and up to R$ 90 million per year.

Contact us and request now!
Inovacred Expresso

What is it: BDMG’s credit line, in partnership with FINEP, to finance the innovative efforts of companies with a history of innovation.

Who is it for: Companies with annual or annualized gross turnover of up to R$90 million, which: Have received government support for innovation in the last 10 years, or have a history of Intellectual Property in the last 10 years, or belong to or have graduated from Technology-Based Incubators in the last 10 years, or are installed in Technology Parks, as long as they have proven innovative history, according to FINEP criteria.

Items that can be financed:

National and imported equipment, software, raw materials and consumables related to prototyping or pioneering batches, technological consulting services, own team, marketing and commercialization of the innovative product/process/service, patenting and licensing, purchase of technology, training, testing and certification, access fee to guarantee funds and guarantors.

Financing with resources from the Financier of Studies and Projects – FINEP, destined to projects for the development and improvement of new products, processes or services, marketing innovation or organizational innovation, which fall under the lines of Inovacred, Expresso or Conecta. Interest rate of TJLP + 5.00% per year or SELIC + 5.00% or per year, with equalization of up to 100% for the TJLP, depending on the customer's line and size. CET (Total Effective Cost) from TJLP + 0.20% per year. Maximum term according to the line, which may reach 132 (one hundred and thirty-two) months, including up to 36 (thirty-six) months of grace period. Product without IOF tax. Financing subject to credit analysis and assessment by FINEP, with a maximum limit of up to R$ 10 (ten) million, also according to the line.

Why BDMG is your best option?

Because BDMG knows that a large company needs a structured operation customized. For this reason, our business managers are experts in designing financial solutions with competitive rates and terms,
in addition to offering differentiated guarantees.

Credit without additional Purchases

Credit without additional Purchases

We do not require any type of additional purchase for credit, such as insurance, investments, among others.

Exclusive business Manager

Exclusive business Manager

Our business managers act as specialized financial advisers.

Differentiated Guarantees

Differentiated Guarantees

We provide differentiated guarantees for all types of projects, always taking into account the financial sustainability of customers.

FIPs

Do you have a company with high growth potential and socioeconomic impact?

What is it?

BDMG supports innovative companies with high growth potential and socioeconomic impact through FIPs (Equity Investment Funds) managed by market managers. The FIPs provide capital and assist in the management in exchange for participation in the share capital (equity).

Who is it for?

The proposers must offer innovative technological solutions, have differentials in relation to the competition, a structured business model, a large addressable market, and a high-level team willing to grow together with the partners. More information: inovacao@bdmg.mg.gov.br

Make the first step

We will accompany you at all stages.

Fill out the form below and our team will contact you and accompany you throughout the process.

Talk to BDMG with no strings attached.

Frequently Asked Questions

  • My company is interested in receiving equity investment. How can BDMG support me?

    Expandir

    BDMG acts as an investor in some FIPs, (Private Equity Interest Funds) seeking innovative and high potential growth companies to integrate their investment portfolio. Even though in this case the assessment and selection of the companies to invest in are carried out by the manager responsible for the Fund, BDMG can guide you on how to present your company for evaluation and put you in contact with those managers.

  • How does the equity investment via FIP work?

    Expandir

    FIP invests in active proprietary interest in companies. The counterpart for the financial contribution will be an equity investment of the FIP in the share capital or bonds convertible into equity and rights of governance to be agreed between the parties. The investor will actively participate in the development of the expansion plan and will aim at a future divestiture, in general within 5 years.

  • What is considered Innovation for being eligible to the financing lines?

    Expandir

    Each line of funding for innovation in BDMG has its specific characteristics.

    For lines directed to innovative projects, the project needs to include the development of something new, without an equivalent in the market and involving technological challenges and risks.

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

  • Who can ask to become eligible to innovation lines?

    Expandir

    Legal entities with CNPJs (Brazilian company registration) in good standing that have projects to be developed in Minas Gerais, regardless of size or activity industry.

  • Does the BDMG finance Micro Businesses using innovation lines?

    Expandir

    Currently, there is no BDMG credit line provided for Single Micro Businesses – MEIs.

  • Does BDMG fund startups?

    Expandir

    There are no impediments to financing startups, as long as they are at the maturity level for inserting their solutions in the market and the consequent forecast for revenue generation.

  • It is necessary to prove how the funds are being invested?

    Expandir

    Is it necessary to prove how the funds are being invested?

BDMG contato

Talk to BDMG

(31) 3219-8000

For those who are not yet clients and want to learn more about the bank, our products and also about the progress of a request for funding.

Phone number for clients

0800 283 8337

For you who already are our client and have contracted a credit line.

Address:

Rua da Bahia, 1600

Lourdes - Belo Horizonte / MG

CEP 30160-907