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Find the right product for your company:

Inovacred

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(a partir de)

TJLP rate + 1% *

Grace Period Up To

24 months

Total Term Up To

96 months

What is it

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

Purpose

The financing must be invested in products, processes and services on a regional or national level.

Items that can be financed

Obras civis, construção e reforma; máquinas e equipamentos novos, usados ou importados; Pesquisa e desenvolvimento; Matérias-primas e material de consumo; Investimentos intangíveis (consultoria, marketing, design, tecnologia, qualidade, certificações, treinamento, propriedade intelectual).

Collateral

The collateral will be the surety of the shareholders, third parties or security interest according to our credit policy.

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

Download the files, fill them in and forward them to inovacao@bdmg.mg.gov.br e depi@fapemig.br. Our team will contact you and follow through during the whole process.

Files for download (in Portuguese only)