BDMG Giro: Product intended for Microenterprises, Small Businesses, and cooperatives located in the state of Minas Gerais, with an annual revenue of up to R$ 4.8 million. Interest rate starting at 20.17% per year, equivalent to 1.54% per month, and CET (Total Effective Cost) starting at 26.38% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period, and a maximum amount of R$ 480,000. Product subject to IOF (Tax on Financial Operations) for legal entities of 0.0082% per day (limited to 2.993%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the declaration completed under art. 45, item II of Federal Decree 6306/2007, IOF will be 0.00274% per day (limited to 1.001%) plus an additional rate of 0.38% for operations up to R$ 30,000. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 2.00% of the gross contracted amount and other fees as per the document available by clicking here.

BDMG Empreendedoras de Minas: Product intended exclusively for Microenterprises, Small Businesses, and cooperatives located in the state of Minas Gerais, with female ownership participation exceeding 50% of the share capital for more than 6 months, and with an annual gross revenue of up to R$ 4.8 million. Interest rate starting at 19.35% per year, equivalent to 1.48% per month, and CET starting at 25.51% per year. Terms of 12, 24, or 36 months, including up to 6 months of grace period, and a maximum amount of R$ 480,000. Product subject to IOF for legal entities of 0.0082% per day (limited to 2.993%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the declaration completed under art. 45, item II of Federal Decree 6306/2007, IOF will be 0.00274% per day (limited to 1.001%) plus an additional rate of 0.38% for operations up to R$ 30,000. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 2.00% of the gross contracted amount and other fees as per the document available by clicking here.

BDMG APL: Product intended for Microenterprises and Small Businesses with annual gross revenue of up to R$ 4.8 million, located in Local Productive Arrangements (APLs) recognized by the Secretariat of Economic Development (SEDE), with a primary activity CNAE code related to the sector and activity of the respective APL. Interest rate starting at 19.90% per year, equivalent to 1.52% per month, and CET starting at 25.26% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period, and a maximum amount of R$ 480,000. Product subject to IOF for legal entities of 0.0082% per day (limited to 2.993%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the declaration completed under art. 45, item II of Federal Decree 6306/2007, IOF will be 0.00274% per day (limited to 1.001%) plus an additional rate of 0.38% for operations up to R$ 30,000. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 1.50% of the gross contracted amount and other fees as per the document available by clicking here.

BDMG Crédito para Crescer: Product intended for Microenterprises and Small Businesses with annual gross revenue of up to R$ 4.8 million, located in municipalities participating in the “Livre para Crescer” Program created by the State Government, classified as stage 2 or higher, and operating in sectors established by this Program. Interest rate starting at 19.90% per year, equivalent to 1.52% per month, and CET starting at 25.26% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period, and a maximum amount of R$ 480,000. Product subject to IOF for legal entities of 0.0082% per day (limited to 2.993%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the declaration completed under art. 45, item II of Federal Decree 6306/2007, IOF will be 0.00274% per day (limited to 1.001%) plus an additional rate of 0.38% for operations up to R$ 30,000. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 1.50% of the gross contracted amount and other fees as per the document available by clicking here.

BDMG Fidelidade: Product intended for Microenterprises, Small Businesses, and cooperatives located in the state of Minas Gerais, with an annual gross revenue of up to R$ 4.8 million, and a previous relationship history with BDMG. Interest rate starting at 19.16% per year, equivalent to 1.47% per month, and CET starting at 25.33% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period. Product subject to IOF for legal entities of 0.0082% per day (limited to 2.993%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the declaration completed under art. 45, item II of Federal Decree 6306/2007, IOF will be 0.00274% per day (limited to 1.001%) plus an additional rate of 0.38% for operations up to R$ 30,000. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 2.00% of the gross contracted amount and other fees as per the document available by clicking here.