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If you're a partner, you can access all functionalities available here, with no hassle.

At BDMG, you get more advantages.

The lowest market rate:
starting at 0.41% per month + Selic
The best payment term:
total term of 48 months
The best payment conditions:
12 months before you start paying
No bureaucracy:
simple and fast credit

Choose the best option below and apply now!

BDMG Pronampe - Working Capital - 48 months

BDMG Pronampe - Working Capital - 48 months

  • Reduced rates

    5.35% per year + Selic
    see special conditions below*

  • Grace period

    12 months to start paying

  • Total term

    48 months

  • More savings

    No need to acquire other products or be an accountholder.

Simulate and contract online now

Or access our
Correspondents Banks

BDMG Pronampe - Working Capital - 48 months

What is it: credit line operated with BDMG resources, in the scope of Pronampe, a credit support program instituted by the Federal Government.

Who is it for: micro or small companies, in general, with annual turnover of up to R$ 4.8 million and at least 12 months of existence, prior to the date of protocol of the request.

What is it for:The BDMG offers reduced rates for you to increase your working capital, balance your cash flow, or reorganize your debts.

*And more! Special conditions for:

CLIENTES FIDELIDADE: those who have a good relationship history with BDMG count on interest of 5.00% per year + Selic and reduced rate.

WOMEN ENTREPRENEURS: companies which have a 50% or more female participation in the capital stock, for at least 6 months, can count on 5.25% interest + Selic and a reduced rate.

COMPANIES IN THE APLs: companies that develop activities linked to one of the Local Productive Arrangements, recognized by the Secretary of Economic Development of Minas Gerais, have interest of 5.25% per year + Selic and a reduced rate.

BDMG Pronampe
- Rate: 0.44% p.m. + Selic
Financing under the National Support Program for Micro and Small Enterprises (PRONAMPE), limited to a maximum amount of R$150,000.00 and intended for companies with annual revenue of up to R$4.8 million, with no credit restrictions. Interest rate starting from SELIC + 5.35% per year and Effective Total Cost (CET) from SELIC + 6.95% per year. Term of 48 months, including a 12-month grace period. Subject to IOF for legal entities of 0.0041% per day (up to 1.4965%) plus an additional rate of 0.38%. For companies under Simples Nacional, IOF will be 0.00137% per day (up to 0.50%) plus the additional rate of 0.38% for operations up to R$30,000. Financing subject to credit analysis, resource availability, and program validity. Credit Opening and Monitoring Fee of 2.50% over the gross contracted amount and other fees as described in the document available here.


BDMG Pronampe - APL
- Rate: 0.43% p.m. + Selic
Financing under PRONAMPE, limited to a maximum amount of R$150,000.00 and intended for companies with annual revenue of up to R$4.8 million, with no credit restrictions and located in Local Productive Arrangements (APL) recognized by the State Secretariat for Economic Development (SEDE), with primary activity CNAE aligned with the sector and respective APL. Interest rate starting from SELIC + 5.25% per year and CET from SELIC + 6.62% per year. Term of 48 months, including a 12-month grace period. IOF and other conditions as above. Credit Opening and Monitoring Fee of 2.00% over the gross contracted amount and other fees as described in the document available here.


BDMG Pronampe - Crédito para Crescer
- Rate: 0.43% p.m. + Selic
Financing under PRONAMPE, limited to a maximum amount of R$150,000.00 and intended for companies with annual revenue of up to R$4.8 million, with no credit restrictions and located in municipalities participating in the "Programa Livre para Crescer" created by the State Government, classified as stage 2 or higher, and operating in activity sectors established by the program. Interest rate starting from SELIC + 5.25% per year and CET from SELIC + 6.62% per year. Term of 48 months, including a 12-month grace period. IOF and other conditions as above. Credit Opening and Monitoring Fee of 2.00% over the gross contracted amount and other fees as described in the document available here.


BDMG Pronampe - Mulheres
- Rate: 0.43% p.m. + Selic
Financing under PRONAMPE, limited to a maximum amount of R$150,000.00 and intended for companies with annual revenue of up to R$4.8 million, with no credit restrictions and with female ownership greater than 50% of the share capital for more than 6 months. Interest rate starting from SELIC + 5.25% per year and CET from SELIC + 6.62% per year. Term of 48 months, including a 12-month grace period. IOF and other conditions as above. Credit Opening and Monitoring Fee of 2.00% over the gross contracted amount and other fees as described in the document available here.


BDMG Pronampe - Fidelidade
- Rate: 0.41% p.m. + Selic
Financing under PRONAMPE, limited to a maximum amount of R$150,000.00 and intended for companies with annual revenue of up to R$4.8 million, with no credit restrictions and with previous relationship history with BDMG. Interest rate starting from SELIC + 5.00% per year and CET from SELIC + 6.36% per year. Term of 48 months, including a 12-month grace period. IOF and other conditions as above. Credit Opening and Monitoring Fee of 2.00% over the gross contracted amount and other fees as described in the document available here.

BDMG Pronampe - Investment

BDMG Pronampe - Investment

  • Reduced rates

    5.50% per year + Selic
    see special conditions below*

  • Grace period

    12 months to start paying

  • Total term

    72 months

  • More savings

    No need to acquire other products or be an accountholder.

Simulate and contract online now

Or access our
Correspondents Banks

BDMG Pronampe - Investment

What is it: credit line operated with BDMG resources, in the scope of Pronampe, a credit support program instituted by the Federal Government.

Who is it for: micro or small companies, in general, with annual turnover of up to R$4.8 million and at least 12 months of existence, prior to the date of protocol of the request.

What is it for: BDMG finances the renovation or expansion of your business, acquisition of vehicles or furniture, Purchase of equipment and much more. 

*And more! Special conditions for:

 CLIENTES FIDELIDADE: those who have a good relationship history with BDMG count on interest of 5.25% per year + Selic and reduced rate.

 WOMEN ENTREPRENEURS: companies which have a 50% or more female participation in the capital stock, for at least 6 months, can count on 5.50% interest + Selic and a reduced rate.

 COMPANIES IN THE APLs: companies that develop activities linked to one of the Local Productive Arrangements, recognized by the Secretary of Economic Development of Minas Gerais, have interest of 5.50% per year + Selic and a reduced rate.

 CREDIT TO GROW: companies located in a municipality that has achieved an intermediate level of maturity in the Minas Livre para Crescer Program benefit from interest rates of 5.50% per year + Selic and reduced fees.

Financing within the framework of the National Support Program for Micro and Small Businesses (PRONAMPE), limited to a maximum amount of R$ 150,000.00 in the Program. Exclusive conditions for special segments. Term of 48 months, including a 12-month grace period with capitalized interest. No incidence of IOF, in accordance with current legislation. Financing subject to credit analysis and availability of product/program resources.


CET (Total Effective Cost):
BDMG Pronampe: from SELIC + 7.46% per year.
BDMG Pronampe Fidelidade: from SELIC + 7.07% per year.
BDMG Pronampe Mulheres: from SELIC + 7.29% per year
BDMG Pronampe APL: from SELIC + 7.29% per year.
BDMG Pronampe Credit to Grow: starting from SELIC + 7.29% per year.

IMPORTANT: QUALIFICATION ON THE E-CAC PORTAL

In 2023, companies interested in acquiring Pronampe need to share their billing data with financial institutions, through the e-CAC portal.

So, don’t waste any time! Follow this step by step and qualify your company to contract BDMG PRONAMPE.

 

ACCESS THE QUALIFICATION TUTORIAL
(PORTUGUESE ONLY)

or watch the video version

https://youtu.be/J6_nMcUBtzg

Learn more about the BDMG PRONAMPE line:

  • What is the limit for contracting?

    30% of the company's gross revenue in 2021, also limited to R$150,000 per company.

  • Until when will the credit line be available?

    The liberation of the BDMG PRONAMPE credit is conditioned to the availability of resources from the federal program. So, register now! The sooner you apply for financing, the better chance you have of getting the credit.

  • Where do I register for the BDMG PRONAMPE?

    Click here and include your proposal now:

REGISTER FOR BDMG PRONAMPE

What documents and guarantees are needed to contract the line?

  • 12 last payment receipts from Simples Nacional or PIS/COFINS issued by the e-CAC portal
  • CRF FGTS
  • Federal CND
  • Last simplified statement of Simples Nacional
  • Proof of address for the company and partners
  • Partners' identity documents
Only the personal guarantee of the company's partners will be required. The equity reported by the partners on the BDMG Digital platform must reach the index of 125% of the financing value.
LEGAL INFORMATION

It is important to be aware of the following aspects of Law 13.999/20:

  • Companies must preserve the number of employees in a number equal to or greater than the number verified on the last day of the year prior to the contracting of the credit line, in the period between the contracting date and the sixtieth day after receiving the last installment of the credit line.
  • The concession of credit is forbidden to companies that have been convicted of working in conditions analogous to slavery or child labor.

As per Ordinance No. 191, of June 30th, 2020, the Federal Revenue Service has regulated the validation of the gross revenue to be considered by BDMG in the calculation of the hiring limit for each company. ​

The information mentioned above will be provided exclusively by the Receita Federal Compartilha system , approved by Ordinance RFB No. 81 of November 11, 2021, upon authorization through the Virtual Service Center Portal (Portal e-CAC), available at (https://gov.br/receitafederal), option "Authorize Data Sharing", in the services tab "Others", upon authentication with a digital certificate or with a Silver or Gold digital identity, of the Gov.br Platform, pursuant to Ordinance SEDGGME No. 2,154 of February 23, 2021.

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