What is it: Geraminas is the credit line designed to consolidate micro and small companies in all industries with competitive working capital.
Who is it for: companies with annual turnover of up to R$ 4.8 million.
Differentials:
Competitive rates
Affordable terms
Hiring Online
Interest rates from 16.67% per year, equivalent to 1.29% per month, and CET (Total Effective Cost) from 20.43% per year. Term of 12, 24 or 36 months, including up to 3 months grace period. Product subject to Corporate IOF Tax of 0.0041% per day (limited to 1.50% + additional 0.38%), and for companies choosing the Simples Nacional (simplified fiscal regime), IOF tax (Financial Operations Tax) will be 0.00137% per day (limited to 0.50% + surcharge of 0.38%) in operations of up to R$30 thousand. Conditions subject to change and financing intended for Legal Entities with annual gross sales of up to R$4.8 million, subject to credit analysis and resource availability. Maximum financing limited to R$ 480 thousand.
What is it: working capital credit line that aims to support companies managed by women.
Who is it for: companies with annual turnover of up to R$ 4.8 million and which have a female participation in the capital stock equal to or over 50%, for at least 6 months.
Differentials:
Even lower rates
Affordable terms
Hiring online
Interest rate from 16.19% per year, equivalent to 1.26% per month, and CET (Total Effective Cost) from 19.43% per year. Term of 12, 24 or 36 months, including up to 6 months grace period. Product subject to Corporate IOF Tax of 0.0041% per day (limited to 1.50% + additional 0.38%), and for companies opting for Simples Nacional (simplified fiscal regime), the IOF tax (Financial Operations Tax) will be 0.00137% per day (limited to 0.50% + surcharge of 0.38%) in operations of up to R$30 thousand. Conditions subject to change and financing intended exclusively for Legal Person with female equity interest greater than 50% of the capital stock for more than 6 months and annual gross revenue of up to R$ 4.8 million, subject to credit analysis and resource availability. Maximum financing limited to R$ 200 thousand.
What is it: Geraminas Fidelidade provides special rates for clients who already have a good track record of partnering with BDMG.
Who is it for: companies with annual turnover of up to R$ 4.8 million.
Differentials:
Even lower rates
Affordable terms
Hiring online
Interest rate from 13.62% per year, equivalent to 1.07% per month, and CET (Total Effective Cost) from 17.28% per year. Term of 12, 24 or 36 months, including up to 3 months grace period. Product subject to IOF Corporate Tax of 0.0041% per day (limited to 1.50% + additional 0.38%), and for companies opting for Simples Nacional (simplified fiscal regime) the IOF tax (Financial Operations Tax) will be 0.00137% per day (limited to 0.50% + surcharge of 0.38%) in operations of up to R$30 thousand. Conditions subject to change and financing intended for Legal Entities with annual gross sales of up to R$ 4.8 million, without registration restrictions and with a history of previous relationship with BDMG, subject to credit analysis and resource availability. Maximum financing limited to R$ 480 thousand.
BDMG SOLAR FOTOVOLTAICO
Competitive rates
Different terms
up to 72 months
More time to plan
grace period up to 6 months
Service
Through accredited banking correspondents or partner integrators
What is it: BDMG's credit line for indirect contracting (via accredited bank correspondents or partner integrators) for photovoltaic projects aimed mainly at self-consumption.
Who is it for: companies with annual turnover of up to R$ 4.8 million.
Differentials:
With no need of collateral for the operation, only guarantee
Release of the fund to the client's account
Flow of verification made easy
No restrictions regarding the origin of the equipment
LOWER YOUR COMPANY COSTS WITH BDMG'S SPECIAL CREDIT FOR PHOTOVOLTAIC SOLAR ENERGY
Savings of up to 90% on the electricity bill
Long equipment life: up to 30 years
Low maintenance cost
Renewable, clean and sustainable energy source
Learn more about BDMG's role in financing Sustainable Development by clicking HERE
Financing intended for projects, civil works, installations, services and component equipment and photovoltaic generating systems for companies with annual revenues of up to R$ 4.8 million, with at least 6 (six) months of operation. Interest rate from 15.34% per year and CET (Total Effective Cost) from 18.09% per year. Term of up to 72 (seventy-two) months, including 3 (three) or 6 (six) months of grace period. Product subject to Corporate IOF tax 0.0041% per day (limited to 1.50% + additional 0.38%), and for companies opting for Simples Nacional (simplified fiscal regime), the IOF tax (Financial Operations Tax) tax will be 0.00137% per day (limited to 0.50% + additional 0.38%) in operations of up to R$30 thousand. Financing limited to R$ 480 thousand per customer, subject to credit analysis and availability of resources, whose project investments must be proven and follow the determinations and recommendations of BDMG CLIMATE ACTION FL II - Finance Contract nº 90.645.
Desenvolve Rio Doce
Competitive rates
Term to pay
up to 36 months
Mais tempo para planejar
grace period up to 6 months
What is it: the Desenvolve Rio Doce line - Incentive Fund for the Local Economy - is the result of a partnership between the Renova Foundation and BDMG to consolidate the economic activity of the cities in Minas Gerais most affected by the disruption of the Fundão Dam, in Mariana.
Who is it for: companies with headquarters in cities located in the Rio Doce region*. Because this is objective and exceptional, the reach of this line is not limited only to companies with annual turnover of R$ 360 thousand or less, as it is also extended to companies with annual turnover of up to R$ 4.8 million.
Differentials:
Attractive rates
Affordable terms
Hiring online
Annual interest rate from 6.17% per year, equivalent to 0.50% per month. CET (Total Effective Cost) from 8.97% per year. Eligible customers: companies with at least 6 (six) months of operation, with annual gross revenue of up to R$ 4.8 million (four million, eight hundred thousand reais), located in the municipalities impacted by the Fundão dam failure, according to clauses 129 and 130 of the Transaction Agreement and Conduct Adjustment - TTAC, signed on 03/02/2016. Product subject to Corporate IOF Tax of 0.0041% per day (limited to 1.50%) + additional 0.38%, and for companies opting for Simples Nacional (simplified fiscal regime), IOF tax (Financial Operations Tax) will be 0.00137% per day (limited to 0.50%) + surcharge of 0.38% in operations of up to R$30 thousand. Changeable conditions and financing subject to credit analysis and product resource availability. Financing limit of R$ 100 thousand per customer.
BDMG provides credit options to companies of all sizes in Minas Gerais.
Very small companies
Companies with annual turnover under or equal to R$ 360 thousand.
Small companies
Companies with annual turnover greater then R$ 360 thousand and under or equal to R$ 4.8 million.
Medium companies
Companies with annual turnover greater then R$ 4.8 million and under or equal to R$ 300 million.
Large companies
Companies with annual turnover greater then R$ 300 million.
More than providing credit, believing in entrepreneurship!
The advantages provided by BDMG express commitment to development.
Check out our differentials:
Assisted Credit Program
Access Sebrae's free training program here to improve your company's financial management.
Competitive rates
BDMG has funds specially to micro and small companies in Minas Gerais, with differentiated rates and lower than the market average.
Credit without counterparts
you do not have to purchase other products or have a checking account to obtain credit from BDMG.
Hire the credit online
Hiring is simple. Just get a quote and, after credit approval, submit the contract signed with the documents requested to BDMG.
Take advantage of the benefits to balance your cash flow; remodel or expand your business; hire employees or invest in a new project.
Get a quote now
Our clients say:
Regina Lana
COPIADORA COMPLETA
“BDMG was a support that I had in times of great need. I say that it is very difficult to predict the future, but we have to be prepared. BDMG, in this case, provides more affordable interest and you have a longer grace period before you start paying. I applied for financing through the website, it is very fast, very smooth, very easy. If this type of BDMG initiative didn’t exist, maybe today I wouldn’t be no longer in the market”
Fernando Braga
AMIGÃO MÓVEIS
“BDMG fell from the sky for entrepreneurs. Because, really, it is a very affordable credit line, a very affordable rate, right? In March, sales went down and there comes the financial concern of paying suppliers, and employees. My hiring experience was surprising. An all-digital process, without physical contact, quickly. And this will reflect, I am sure, in my sales. I think everyone should look for access to the BDMG credit lines.”
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