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How does BDMG support innovation?

BDMG supports innovation in MG along two performance fronts:

BDMG Financiamentos

Financing

Geared to any company at least 6 months in operation.

BDMG FIPs

FIPs

Directed at supporting startups.

Learn more

Find the ideal credit line for your company (step-by-step guide in Portuguese):

Pergunta

  • {Questão Zero}

Seu produto é:

Get to know the BDMG innovation credits

Find your Credits for Innovation with special fees and benefits for the Minas Gerais business owner:

Inovacred

What it is

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

Who it is for:

Companies with an annual or annualized gross operating revenue of up to R$ 90 million. Size I: ROB < R$ 4.8 million; Size II: ROB ≥ R$ 4.8 million and ≤ R$ 16 million; Size III: ROB >R$ 16 million and ≤ R$ 90 million.

Special advantages:
  • From R$ 150 thousand to R$ 3 million per company with revenues of up to R$ 16 million
  • From R$ 150 thousand to R$ 10 million per company with annual revenues between R$ 16 million and R$ 90 million
  • Funding of up to 80% of the project amount.
  • Associated spin up to 30% of the project with an 2% increase in the final effective cost
Rate (from)

TJLP rate + 1% *

Up to

96 months

Grace period of

24 months

to start paying!

How to Apply

* CET (Total Effective Cost): starting from % per year.

Pró-Inovação

What it is

A FAPEMIG/BDMG partnership to finance innovation in products, processes and services.

Who it is for:

Companies established in Minas Gerais.

Special advantages:
  • Up to R$ 2 million per company with revenues up to R$ 90 million;
  • Up to R$ 4 million per company with annual revenues above R$ 90 million;
  • ; Funding of up to 80% of the project amount, with up to 30% for associated working capital.
Rate

Selic, limited to 8%*

Up to

60 months

Grace period of

18 months

to start paying!

How to Apply

* CET (Total Effective Cost) for Micro and Small Businesses: starting from 8.5% per year.

Proptec

What it is

A FAPEMIG/BDMG partnership to finance investment projects for deployment, expansion and upgrading.

Who it is for:

Companies located in operating technology centers supported by the Minas Gerais Government via the State Secretary for Science, Technology and Upper Education of Minas Gerais.

Special advantages:
  • Up to R$2 million per company;
  • Financing of up to 80% of the project amount, with up to 30% for associated working capital.
Rate

9% per year fee*

Up to

60 months

Grace period of

12 months

to start paying!

How to Apply

* CET (Total Effective Cost) for Micro and Small Businesses: starting from 9.5% per year

Inovacred Expresso

What it is

A FINEP/BDMG partnership to finance innovative projects.

Who it is for:

Companies with an annual or annualized gross operating revenue of up to R$ 16 million, provided they prove to have a history of innovation based on FINEP criteria.

Special advantages:
  • Up to R$ 200 thousand per company;
  • Financing up to 100% of the total project amount.
Rate

TJLP rate + 3% per year*

Up to

48 months

Grace period of

12 months

to start paying!

How to Apply

MPME Inovadora

What it is

A BNDES/BDMG partnership to finance investments required for the introduction, improvement and scaling of innovations in the market.

Who it is for:

Brazilian micro, small and medium-sized companies with an annual gross operating revenue of up to R$ 300 million, provided they prove to have a history of innovation based on BNDES criteria.

Special advantages:
  • Up to R$ 20 million per company;
  • Financing up to 80% of the project amount;
  • It does not require project characterization, provided the company meets BNDES criteria.
Rate

TJLP rate + 4.5% per year*

Up to

120 months

Grace period of

48 months

to start paying!

How to Apply

* CET(Total effective cost): Rates starting at 5.36% per year above TLP (Long Term Rate), available for consultation on the BNDES website.

FIPs

Do you have a business or idea with a high potential for growth and socioeconomic impact?

What is it?

BDMG supports innovative companies with high potential for growth and socioeconomic impact by means of FIPs (Private Equity Interest Fund) managed by market managers. FIPs contribute capital and assist in management, in exchange for an equity interest in the company.

Who can apply to it?

Proponents must offer innovative technological solutions, have special advantages over their competition, a structured business model, a large addressable market, and a high level team, willing to grow with partners. More information at: inovacao@bdmg.mg.gov.br

Currently, BDMG invests in 9 FIPs, 5 of which are still looking for good investment opportunities:

"Without BDMG, we would not have the financial resources to launch our own platform. With it, we have improved our digital channels, hired more than 100 people and seen a large growth in the number of our customers.”

João Resende

Partnerships

Connection between entrepreneurs, researchers, companies, institutions and the government.

BDMG
BDMG

Learn about the unique benefits that every business owner in MG is entitled to when requesting Innovation Credit at BDMG

BDMG benefícios

You don't need to know anyone at BDMG or provide evidence of a previous relationship.

BDMG benefícios

BDMG serves all types of business and company sizes in all regions.

BDMG benefícios

We do not require contracting of other products, such as insurance, investments and payroll.

BDMG benefícios

We follow you throughout the whole credit application process. Everything happens quickly and safely.

Documents

(in Portuguese only)

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?

Do I need working capital?

BDMG has the best fees.
Run a simulation and confirm it!

Address:

Rua da Bahia, 1600

Lourdes - Belo Horizonte / MG

CEP 30160-907

Download the fee and refund table:

Download the table
(in Portugues only)

Credits

Micro and Small Businesses
Geraminas Geraminas Social BDMG Solidário Minas Criativa Empreendedoras de Minas Desenvolve Rio Doce Geraminas Giro Mais
Innovation
Inovacred Pró-Inovação Proptec Inovacred Expresso MPME Inovadora
Medium and Large Businesses
Agribusiness
Sustainability
Green Credit
Public Sector
Technical Support to Municipalities and municipal public consortiums Funding for dealerships Direct funding to municipalities Rio Doce

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Rua da Bahia, 1.600 - Lourdes - Belo Horizonte - MG - Brasil - CEP - 30160-907

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