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Find the right product for your company:

MPME Inovadora

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TJLP rate + 4.5% per year*

Grace Period Up To

48 months

Total Term Up To

120 months

What is it

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


Financing of investments required for the introduction, improvement and scaling of innovations in the market.

To see the criteria, click here.

Items that can be financed

São apoiadas despesas em Obras Civis, construção e reforma; Instalações; Pesquisa e desenvolvimento; máquinas e equipamentos; matéria prima e material de consumo; investimentos intangíveis (consultoria, design, tecnologia, qualidade, certificações, propriedade intelectual); capital de giro associado


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

Frequently Asked Questions

  • My company is interested in receiving equity investment. How can BDMG support me?


    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?


    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?


    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?


    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?


    Currently, there is no BDMG credit line provided for Single Micro Businesses – MEIs.

  • Does BDMG fund startups?


    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?


    Is it necessary to prove how the funds are being invested?

BDMG contato

The company must see whether they meet one of the criteria for the financing clicking on this link (portuguese only). Then, just forward the supporting document for validation: