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 Giro: Product intended for Micro and Small Enterprises and cooperatives located in the state of Minas Gerais, with annual gross revenue of up to R$ 4.8 million. Interest rate starting from 21.30% per year, equivalent to 1.62% per month, and Effective Total Cost (CET) starting from 27.20% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period, and a maximum amount of R$ 480 thousand. Subject to the levy of IOF for Legal Entities at 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, the IOF will be 0.00137% per day (limited to 0.50%) plus an additional rate of 0.38% for operations up to R$ 30 thousand. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 2.00% of the contracted gross amount and other fees as stated in the document available clicking here.

BDMG Empreendedoras de Minas: Product exclusively intended for Micro and Small Enterprises and cooperatives located in the state of Minas Gerais, with female ownership exceeding 50% of the capital for more than 6 months and annual gross revenue of up to R$ 4.8 million. Interest rate starting from 20.62% per year, equivalent to 1.57% per month, and CET starting from 25.77% per year. Terms of 12, 24, or 36 months, including up to 6 months of grace period, and a maximum amount of R$ 480 thousand. Subject to the levy of IOF for Legal Entities at 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, the IOF will be 0.00137% per day (limited to 0.50%) plus an additional rate of 0.38% for operations up to R$ 30 thousand. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 2.00% of the contracted gross amount and other fees as stated in the document available clicking here.

BDMG APL: Product intended for Micro and Small Enterprises 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 the main activity CNAE in the sector and activity of the respective APL. Interest rate starting from 21.10% per year, equivalent to 1.61% per month, and CET starting from 26.31% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period, and a maximum amount of R$ 480 thousand. Subject to the levy of IOF for Legal Entities at 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, the IOF will be 0.00137% per day (limited to 0.50%) plus an additional rate of 0.38% for operations up to R$ 30 thousand. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 1.50% of the contracted gross amount and other fees as stated in the document available clicking here.

BDMG Crédito para Crescer: Product intended for Micro and Small Enterprises with annual gross revenue of up to R$ 4.8 million, 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 this Program. Interest rate starting from 21.10% per year, equivalent to 1.61% per month, and CET starting from 26.31% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period, and a maximum amount of R$ 480 thousand. Subject to the levy of IOF for Legal Entities at 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, the IOF will be 0.00137% per day (limited to 0.50%) plus an additional rate of 0.38% for operations up to R$ 30 thousand. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 1.50% of the contracted gross amount and other fees as stated in the document available clicking here.

BDMG Fidelidade: Product intended for Micro and Small Enterprises and cooperatives located in the state of Minas Gerais, with annual gross revenue of up to R$ 4.8 million, and with a history of previous relationship with BDMG. Interest rate starting from 20.22% per year, equivalent to 1.55% per month, and CET starting from 25.35% per year. Terms of 12, 24, or 36 months, including up to 3 months of grace period. Subject to the levy of IOF for Legal Entities at 0.0041% per day (limited to 1.4965%) plus an additional rate of 0.38%. For companies under the Simples Nacional regime, the IOF will be 0.00137% per day (limited to 0.50%) plus an additional rate of 0.38% for operations up to R$ 30 thousand. Approval subject to credit analysis and availability of funds. Credit Opening and Monitoring Fee corresponding to 2.00% of the contracted gross amount and other fees as stated in the document available clicking here.