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OPPORTUNITY

BDMG offers exclusive lines for innovation projects.

Learn More
What is considered Innovation for framing in the financing lines?
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Innovative projects
Lines focused on innovative projects it is necessary that the project contemplates the development of new products, processes and services or improvement of existing ones, with technological challenges and risks.
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Innovative companies
Lines destined at innovative companies, it is necessary to present the pre-defined requirements. In these cases, disruptive and incremental innovations, including new applications for existing technologies, can be funded.
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Industry 4.0
The implementation of Digitization Solutions, which result in process innovations based on enabling technologies of Industry 4.0 are also framed when these are implemented by integrators accredited in the body that passes on the resource.
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Telecom Sector
For the Telecom sector, there are specific lines to finance the acquisition of telecommunications sector technologies developed by innovative Brazilian companies and telecommunications equipment.

Pró-Inovação has financing lines offered by BDMG, through an agreement with Secretaria de Estado de Desenvolvimento Econômico (SEDE) and the Fundação de Amparo à Pesquisa do Estado de Minas Gerais (Fapemig).

Discover the Pro-innovation lines:

Micro and Small Businesses
  • Financing of innovation projects for micro and small companies (via innovation public notice)
  • Companies with ROB up to R$4.8MM/year
Medium Companies
  • Financing of innovation projects for medium-sized companies (medium-sized companies line)
  • Companies with ROB from R$4.8MM to R$300MM/year
Attraction Investments R&D
  • Innovation projects that include the installation or expansion of R&D Centers and/or anchor companies related to technology parks and hubs, as well as local or regional development
  • Companies with ROB from R$16 to R$300MM/year
Strategic Sectors
  • Financing of innovation projects related to strategic segments, according to SEDE guidelines.
  • ROB companies above R$90MM/year
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Competitive
Rates

Carencia

Grace period:
up to 36 months

Prazo

Total term:
up to 96 months

Term and rate conditions vary depending on the project profile and financing line

Product with resources from a Technical and Financial Cooperation Agreement between BDMG and FAPEMIG, intended for financing projects for the development and implementation of innovation in products, processes and services. Interest rate corresponding to 60% of the SELIC Target quote, plus a pre-fixed interest rate that can vary between 1.2% per year and 1.8% per year, depending on the combination of company size and project profile. Maximum financing limit varying between R$1 (one) million and R$30 (thirty) million, depending on the client's revenue and size. Maximum term of up to 96 (ninety-six) months, including up to 36 (thirty-six) months of grace period. Product subject to IOF Corporate Tax of 0.0041% per day (limited to 1.5% per year + additional 0.38%). Financing subject to analysis of the company's credit and project merit, according to the profile of the lines.

Discover FINEP lines:

  • Competitive rate


  • Grace period

    up to 2 years
  • Amortization

    up to 8 years
  • Financing

    from R$ 300 thousand to 15 million
  • X

    No IOF incidence

Projects for the development of new products, processes or services, as well as the improvement of existing ones.

Projects being developed in cooperation with companies and Scientific, Technological and Innovation Institutions (ICTs).*

Example.: EMBRAPII, National Innovation Centers, SIBRATEC, SENAI etc.

Industry 4.0: financing for equipment, software, services and 4.0 technologies from integrators (national suppliers accredited at FINEP).

Fixed Broadband and Telecom: financing for network expansion and innovation projects with FUNTTEL subsidies.

Financing with resources from the Financier of Studies and Projects - FINEP, destined for projects of development and improvement of new products, processes or services, marketing innovation or organizational innovation, that fit into the Inovacred, Expresso, Conecta, 4.0, Inovacred Telecom or Inovadora Telecom Acquisition lines. Financing for companies with annual sales above R$ 4.8 million (four million and eight hundred thousand reais). Interest Rate from TR + 4.236% per year and CET (Total Effective Cost) from TR + 4.79% per year. Maximum period of 120 (one hundred and twenty) months, including up to 24 (twenty-four) months of grace. Product without incidence of IOF. Financing subject to credit analysis and evaluation by FINEP, with a maximum limit of up to R$ 15 (fifteen) million 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.

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

  • How to request project financing?

    Expandir

    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?

    Expandir

    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?

    Expandir

    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?

    Expandir

    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?

    Expandir

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

  • Does BDMG finance startups?

    Expandir

    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?

    Expandir

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

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