Right credit for challenging situations, with even more affordable rates and terms.

Check the credit lines for companies with annual turnover of up to R$ 360 thousand:

BDMG PROCRED 360

Reduced rates

5.00% 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.

What it is: A line of credit operated with funds from BDMG, under the scope of Procred, a credit support program established by the Federal Government.

Who it’s for: Microenterprises in general, with annual revenue of up to R$ 360,000 and at least 12 months of existence prior to the application submission date.

Purpose: BDMG offers reduced interest rates to help you increase your working capital, balance your cash flow, or reorganize your debts.

*And more! Special conditions for:

LOYALTY CUSTOMERS: those with a good relationship history with BDMG benefit from interest rates of 4.75% p.a. + Selic and reduced fees.

WOMEN ENTREPRENEURS: companies with female ownership participation of more than 50% for at least 6 months benefit from interest rates of 4.75% p.a. + Selic and reduced fees.

COMPANIES BELONGING TO APLs: companies engaged in activities related to one of the Local Productive Arrangements (APLs) recognized by the Economic Development Secretariat of Minas Gerais benefit from interest rates of 4.75% p.a. + Selic and reduced fees.

CREDIT FOR GROWTH: companies located in a municipality that has reached the intermediate maturity level in the “Minas Livre para Crescer” Program benefit from interest rates of 4.75% p.a. + Selic and reduced fees.

BDMG Giro Procred 360

– Rate: 0.41% per month + Selic
Financing under the Credit and Debt Financing Program for Individual Microentrepreneurs and Microenterprises – Procred 360, limited to a maximum amount of R$108,000.00 and intended for companies with annual revenue of up to R$360,000, with no credit restrictions. Interest rate of Selic + 5.00% per year and Effective Cost of Credit (CET) starting at Selic + 6.80% per year. Term of 48 months, including a 12-month grace period. Subject to the incidence of Legal Entity IOF of 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the proper declaration under Article 45, item II of Federal Decree 6306/2007, the IOF will be 0.00137% per day (limited to 0.50005%) plus an additional rate of 0.38% for operations up to R$30,000. Financing subject to credit analysis, resource availability, and product/program validity. Credit Opening and Monitoring Fee of 3.00% over the contracted gross amount and other fees as per the document available by clicking here.

BDMG APL Procred 360

– Rate: 0.39% per month + Selic
Financing under the Credit and Debt Financing Program for Individual Microentrepreneurs and Microenterprises – Procred 360, limited to a maximum amount of R$108,000.00 and intended for companies with annual revenue of up to R$360,000, with no credit restrictions and located in Local Productive Arrangements (APLs) recognized by the Economic Development Secretariat (SEDE), with a main activity CNAE in the respective APL sector. Interest rate from Selic + 4.75% per year and CET from Selic + 6.54% per year. Term of 48 months, including a 12-month grace period. Subject to the incidence of Legal Entity IOF of 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the proper declaration under Article 45, item II of Federal Decree 6306/2007, the IOF will be 0.00137% per day (limited to 0.50005%) plus an additional rate of 0.38% for operations up to R$30,000. Financing subject to credit analysis, resource availability, and product/program validity. Credit Opening and Monitoring Fee of 3.00% over the contracted gross amount and other fees as per the document available by clicking here.

BDMG Credit for Growth Procred 360

– Rate: 0.39% per month + Selic
Financing under the Credit and Debt Financing Program for Individual Microentrepreneurs and Microenterprises – Procred 360, limited to a maximum amount of R$108,000.00 and intended for companies with annual revenue of up to R$360,000, with no credit restrictions and located in municipalities participating in the “Minas Livre para Crescer” Program, created by the State Government, classified as stage 2 or higher and operating in the sectors defined by the Program. Interest rate from Selic + 4.75% per year and CET from Selic + 6.54% per year. Term of 48 months, including a 12-month grace period. Subject to the incidence of Legal Entity IOF of 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the proper declaration under Article 45, item II of Federal Decree 6306/2007, the IOF will be 0.00137% per day (limited to 0.50005%) plus an additional rate of 0.38% for operations up to R$30,000. Financing subject to credit analysis, resource availability, and product/program validity. Credit Opening and Monitoring Fee of 3.00% over the contracted gross amount and other fees as per the document available by clicking here.

BDMG Women Entrepreneurs Procred 360

– Rate: 0.39% per month + Selic
Financing under the Credit and Debt Financing Program for Individual Microentrepreneurs and Microenterprises – Procred 360, limited to a maximum amount of R$108,000.00 and intended for companies with annual revenue of up to R$360,000, with no credit restrictions and with female ownership participation of more than 50% for over 6 months. Interest rate from Selic + 4.75% per year and CET from Selic + 6.54% per year. Term of 48 months, including a 12-month grace period. Subject to the incidence of Legal Entity IOF of 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the proper declaration under Article 45, item II of Federal Decree 6306/2007, the IOF will be 0.00137% per day (limited to 0.50005%) plus an additional rate of 0.38% for operations up to R$30,000. Financing subject to credit analysis, resource availability, and product/program validity. Credit Opening and Monitoring Fee of 3.00% over the contracted gross amount and other fees as per the document available by clicking here.

BDMG Loyalty Procred 360

– Rate: 0.39% per month + Selic
Financing under the Credit and Debt Financing Program for Individual Microentrepreneurs and Microenterprises – Procred 360, limited to a maximum amount of R$108,000.00 and intended for companies with annual revenue of up to R$360,000, with no credit restrictions and with a previous relationship history with BDMG. Interest rate from Selic + 4.75% per year and CET from Selic + 6.54% per year. Term of 48 months, including a 12-month grace period. Subject to the incidence of Legal Entity IOF of 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, with the proper declaration under Article 45, item II of Federal Decree 6306/2007, the IOF will be 0.00137% per day (limited to 0.50005%) plus an additional rate of 0.38% for operations up to R$30,000. Financing subject to credit analysis, resource availability, and product/program validity. Credit Opening and Monitoring Fee of 3.00% over the contracted gross amount and other fees as per the document available by clicking here.

BDMG Fungetur

Reduced rates

0.41% per month + INPC
Total Term

48 months
More savings

No need to purchase other products or be an account holder

Hire now

What it is: A line of credit operated with resources from Fungetur, guaranteed by Pronampe — a credit support program established by the Federal Government.

Who it is for: Micro and small businesses in the tourism sector, with annual revenue of up to R$ 4.8 million and at least 12 months of operation prior to the application date.
To be eligible for Pronampe Fungetur, the company must be registered with Cadastur — the Registry of Tourism Service Providers of the Ministry of Tourism.
Register quickly and free of charge 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.

BDMG Giro

Competitive rates
Term to pay

up to 36 months
More time to plan

grace period up to 3 months
Agility

credit review within 1 hour

Simulate and contract online now

What it is: BDMG Giro is a credit line for financing working capital.

Who is it for: companies with annual turnover of up to R$4.8 million.

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.

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(31) 3219-8000

0800 283 8337

(31) 3219-8000

0800 283 8337

You can count on exclusive rates and terms for your business to go further.

Refinance your debts

Balance cash flow

Buy equipment and supplies

Remodel or open a new unit

Easy and quick credit, and without having to hire other products.

See how simple it is to hire credit at BDMG:

Right credit for challenging situations, with even more affordable rates and terms.

BDMG PROCRED 360

Reduced rates

Grace period

Total term

More savings

*And more! Special conditions for:

BDMG Fungetur

Reduced rates

Total Term

More savings

BDMG Giro

Competitive rates

Term to pay

More time to plan

Agility

If your company is located in Minas Gerais, and you are looking for credit lines for an expansion or to solve a problem, check with BDMG.

More than providing credit, believing in entrepreneurship!

Assisted Credit Program

Competitive rates

Credit without counterparts

Hire the credit online

BDMG provides credit options to companies of all sizes in Minas Gerais.

Very small companies

Small companies

Medium companies

Large companies

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About BDMG

About BDMG

Transparency

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Refinance your
debts

Balance cash
flow

Buy equipment
and supplies

More than providing credit,
believing in entrepreneurship!

Assisted Credit
Program

Competitive
rates

Credit without
counterparts

Hire the
credit online