About BDMG
About BDMG
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Credit to your company
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Encontre um correspondente 
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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.
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.
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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.
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.
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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.
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.
