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
- 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
- Financing of innovation projects related to strategic segments, according to SEDE guidelines.
- ROB companies above R$90MM/year
up to 36 months
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$30 (thirty) million, depending on the client's revenue and size. Maximum term of up to 96 (ninety-six) months, including up to 36 (thirty-six) months of grace period. Product subject to IOF Corporate Tax of 0.0041% per day (limited to 1.5% per year + additional 0.38%). Financing subject to analysis of the company's credit and project merit, according to the profile of the lines.
Discover FINEP lines:
Grace periodup to 2 years
Amortizationup to 8 years
Financingfrom R$ 300 thousand to 15 million
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.