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$250,000.00 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$250,000.00 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$250,000.00 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$250,000.00 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$250,000.00 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.

Product intended for micro and small businesses in Minas Gerais that carry out economic activities related to the national tourism production chain, with annual revenue of up to R$ 4.8 million and registration in CADASTUR. Financing classified under the National Support Program for Micro and Small Enterprises (PRONAMPE), limited to a maximum amount of R$ 250,000.00. Interest rate starting at INPC + 5.00% per year, equivalent to INPC + 0.41% per month, and CET (Total Effective Cost) starting at INPC + 8.37% per year. Term of 48 months, with no grace period. IOF-exempt product. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 3.00% of the gross contracted amount, and other fees as per the document available by clicking here.

What is Fungetur?
The FUNGETUR is a special financing fund linked to the Ministry of Tourism, with a specific budget, its own assets, and financial and budgetary autonomy. Its purpose is to promote and provide resources for financing tourism enterprises considered to be of interest to the development of national tourism.
FUNGETUR also serves as financial support in the development of public policies aimed at promoting tourism activities.
Who can apply?
Eligible to carry out financing operations with the resources mentioned above are tourism service providers and business entities referred to in Article 21 of Law No. 11,771, of September 17, 2008, provided that they are registered in the Tourism Service Providers Registry — Cadastur, of the Ministry of Tourism.
Art. 21, Law No. 11,771, of September 17, 2008:
Art. 21. For the purposes of this Law, tourism service providers are considered to be business corporations, simple partnerships, individual entrepreneurs, individual microentrepreneurs, single-member limited liability companies, autonomous social services, and private tourism associations that provide paid tourism services and engage in the following economic activities related to the tourism production chain:
I - accommodation establishments;
II - travel agencies;
III - tourist transportation companies;
IV - event organizers;
V - theme parks, water parks, amusement parks, attractions, and tourism enterprises equipped with entertainment and leisure facilities;
VI - tourist camps.

Companies that provide the following services may also be registered with the Ministry of Tourism, provided they meet the specific requirements:
I - restaurants, coffee shops, bars, and similar establishments;
II - centers or venues intended for conventions and/or fairs, exhibitions, and similar events;
III - natural parks, urban parks, and spaces dedicated to animal welfare that are open to public visitation;
IV - marinas and enterprises that support nautical tourism or sport fishing;
V - theaters, concert halls, and facilities for tourist entertainment;
VI - organizers, promoters, and providers of infrastructure and equipment rental services, suppliers of products and services related to tourism, and companies that assemble trade fairs, exhibitions, and events;
VII - vehicle rental companies for tourists; and
VIII - providers of specialized services in organizing and promoting various types of tourism segments, including tourist attractions and planning companies, as well as the practice of their activities.

For the purposes of the caput and §1 of this Article, the list of activities may be expanded to include new registration categories, as long as they are of tourism interest and established by regulation issued by the Minister of State for Tourism.
Autonomous social services that provide tourism-related services, such as lodging, vehicle rental, and travel agency services, may be included in the Ministry of Tourism’s registry of tourism service providers.
Rural producers or family farmers who provide tourism services, under the terms of the caput or §1 of this Article, may register with the Ministry of Tourism, even as individuals.
Rural producers or family farmers who provide tourism services and are registered with Cadastur are authorized to manufacture and sell their own products, and such commercialization is considered a rural activity.

Art. 21-A. Tourism professionals are considered to be those engaged in the tourism production chain, in accordance with specific legislation.
Art. 22. Tourism service providers are required to register with the Ministry of Tourism, under the terms and conditions established by this Law and its regulations.
Branches are also subject to registration with the Ministry of Tourism, except for temporary booths operated by travel agencies at events of a temporary nature, whose operation is limited to the event period.
The Ministry of Tourism shall issue a certificate for each approved registration, including for branches, corresponding to the scope of tourism activities to be carried out.
Only those tourism service providers referred to in this article and duly registered with the Ministry of Tourism may provide or intermediate tourism services to third parties.
The registration shall be valid for two (2) years from the date of issuance of the certificate.
The provisions of this article do not apply to air transportation services.
The provisions of this article do not apply to air transportation services and paid individual passenger transportation services.
Tourism service providers listed in Article 21 of this Law, when promoted through online travel agencies or digital platforms, must be registered with the Ministry of Tourism, under penalty of liability both for themselves and for the digital channels used for promotion, in accordance with current legislation.