On Monday (April 22, 2024), the Federal Government launched the “Acredita” program, aiming to strengthen the Brazilian economy. The initiative, which aims to facilitate access to credit for micro and small businesses, MEIs and family farmers, aims to streamline processes and offer more attractive interest rates.
What the “Acredita” program offers
- Microcredit: Credit lines with lower interest rates for low-income entrepreneurs, informal workers, women and small rural producers, through the Single Registry;
- Credit Resumption: Debt renegotiation for MEIs, micro-enterprises and small businesses, with longer terms and reduced interest rates;
- Real Estate Credit: Creation of a secondary market for real estate credit, facilitating access to home ownership for low-income families;
- Pronampe: Update of the National Support Program for Micro and Small Businesses, with new lines of credit and easier conditions, including presumed credit for companies in good standing;
- Credit for Women Entrepreneurs: Specific measures to facilitate access to credit for women entrepreneurs, such as credit lines with differentiated interest rates and specialized mentoring.
How to register and expectations
Accredited financial institutions, therefore, such as banks, cooperatives and fintechs, will grant access to the benefits of the “Acredita” program.
The Federal Government expects the “Acredita” program to benefit more than 10 million entrepreneurs across the country, injecting R$50 billion into the economy. Furthermore, the initiative is seen as an important step towards resuming growth and job creation, especially after the Covid-19 pandemic.
Other initiatives
In addition to the “Acredita” program, on the other hand, the Federal Government is implementing measures to help small businesses, such as reducing IPI for certain products and reducing bureaucracy in opening companies.
The launch of the “Acredita” program is a positive initiative that should contribute to the strengthening of the Brazilian economy and the development of small businesses. The measures provided for in the program should facilitate access to credit, reduce costs and boost job creation, especially at a time of economic recovery. economy after the Covid-19 pandemic.
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