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Need working capital or want to invest in expanding your business? BDMG is your best choice! We offer accessible credit, without the need to acquire additional products or services that ultimately increase your financing costs.

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BDMG Pronampe - Working Capital - 48 months

BDMG Pronampe - Working Capital - 48 months

  • Reduced rates

    5.35% 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.

Simulate and contract online now

Or access our
Correspondents Banks

BDMG Pronampe - Working Capital - 48 months

What is it: credit line operated with BDMG resources, in the scope of Pronampe, a credit support program instituted by the Federal Government.

Who is it for: micro or small companies, in general, with annual turnover of up to R$ 4.8 million and at least 12 months of existence, prior to the date of protocol of the request.

What is it for:The BDMG offers reduced rates for you to increase your working capital, balance your cash flow, or reorganize your debts.

*And more! Special conditions for:

CLIENTES FIDELIDADE: those who have a good relationship history with BDMG count on interest of 5.00% per year + Selic and reduced rate.

WOMEN ENTREPRENEURS: companies which have a 50% or more female participation in the capital stock, for at least 6 months, can count on 5.25% interest + Selic and a reduced rate.

COMPANIES IN THE APLs: companies that develop activities linked to one of the Local Productive Arrangements, recognized by the Secretary of Economic Development of Minas Gerais, have interest of 5.25% per year + Selic and a reduced rate.

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$150,000.00 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$150,000.00 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$150,000.00 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$150,000.00 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$150,000.00 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.

BDMG Pronampe - Investment

BDMG Pronampe - Investment

  • Reduced rates

    5.50% per year + Selic
    see special conditions below*

  • Grace period

    12 months to start paying

  • Total term

    72 months

  • More savings

    No need to acquire other products or be an accountholder.

Simulate and contract online now

Or access our
Correspondents Banks

BDMG Pronampe - Investment

What is it: credit line operated with BDMG resources, in the scope of Pronampe, a credit support program instituted by the Federal Government.

Who is it for: micro or small companies, in general, with annual turnover of up to R$4.8 million and at least 12 months of existence, prior to the date of protocol of the request.

What is it for: BDMG finances the renovation or expansion of your business, acquisition of vehicles or furniture, Purchase of equipment and much more. 

*And more! Special conditions for:

 CLIENTES FIDELIDADE: those who have a good relationship history with BDMG count on interest of 5.25% per year + Selic and reduced rate.

 WOMEN ENTREPRENEURS: companies which have a 50% or more female participation in the capital stock, for at least 6 months, can count on 5.50% interest + Selic and a reduced rate.

 COMPANIES IN THE APLs: companies that develop activities linked to one of the Local Productive Arrangements, recognized by the Secretary of Economic Development of Minas Gerais, have interest of 5.50% per year + Selic and a reduced rate.

 CREDIT TO GROW: companies located in a municipality that has achieved an intermediate level of maturity in the Minas Livre para Crescer Program benefit from interest rates of 5.50% per year + Selic and reduced fees.

Financing within the framework of the National Support Program for Micro and Small Businesses (PRONAMPE), limited to a maximum amount of R$ 150,000.00 in the Program. Exclusive conditions for special segments. Term of 48 months, including a 12-month grace period with capitalized interest. No incidence of IOF, in accordance with current legislation. Financing subject to credit analysis and availability of product/program resources.


CET (Total Effective Cost):
BDMG Pronampe: from SELIC + 7.46% per year.
BDMG Pronampe Fidelidade: from SELIC + 7.07% per year.
BDMG Pronampe Mulheres: from SELIC + 7.29% per year
BDMG Pronampe APL: from SELIC + 7.29% per year.
BDMG Pronampe Credit to Grow: starting from SELIC + 7.29% per year.

BDMG Giro

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
BDMG Giro

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 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.