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Brazil: Pronampe allocates over R $ 12 billion to support micro and small companies

Financing serves small businesses facing difficulties due to Covid-19

Pronampe allocates over R $ 12 billion to support micro and small companies
Pronampe resources are available for micro companies with revenues of up to R $ 360 thousand per year and small companies with up to R $ 4.8 million in annual revenues. - Photo: Image bank

Sep 1, The second stage of the National Support Program for Micro and Small Enterprises (Pronampe) will offer R $ 12 billion in financing to serve small businesses that face difficulties due to Covid-19.


The release of funds was made official in Provisional published in the Official Gazette this has ça today (1).


Pronampe is available for micro-companies with revenues of up to R $ 360 thousand per year and small companies with up to R $ 4.8 million in annual revenue, considering the gross revenue of 2019. The annual interest rate is the Selic, plus 1.25% on the amount granted. The payment term is 36 months and the grace period is up to eight months.


The resource can be used by micro and small companies in investments and working capital, such as to pay wages, water, electricity, rent, stock replenishment and purchase of machinery and equipment. It is prohibited to allocate the money taken for the distribution of profits and dividends among the business partners.


The second stage of the program also includes a new credit line for professionals who work as individuals during the state of public calamity.


Resources to maintain the business

Owner of a furniture store in the city of Placa, Pará, the merchant Ruzemberg Pereira sought resources in the first stage of Pronampe and said that the R $ 600 thousand he obtained in financing are helping to maintain the business and make improvements to increase the clientele when the situation returns to normal.


“Our sales decreased and he [resource] arrived at a good time because we were able to keep our commitments and also invest more in the company so that we can have a better return. We bought goods, made improvements to add more customers. This came at a fundamental time ”, reported Ruzemberg Pereira.


According to the Special Secretary for Productivity, Employment and Competitiveness of the Ministry of Economy, Carlos da Costa, the program has been fundamental for the survival and growth of companies.


“This week we are starting to release the limits for the second phase of Pronampe. It has as its main target the micro and small companies that, historically, have had enormous difficulty in obtaining credit ”, he said.


“At a time like this, Pronampe has been instrumental in supporting these companies in their survival challenge. We know that several of them also took advantage of Pronampe to make small investments in improving their facilities, their processes, their machines. We fully trust the result of this program, it solved the problem of credit not reaching the edge. We were one of the first countries in the world to solve this problem ”, added Carlos da Costa.


The secretary pointed out that the program has taken credit to companies that had never had access to this type of operation. "We are banking our companies and taking credit to a lot of companies that never took credit," he said.


Where to get Pronampe

The credit will be offered in public banks such as Caixa and Banco do Brasil and also by regional financial institutions. To facilitate access to the loan, the entrepreneur has the support of the Operations Guarantee Fund, where the government becomes a guarantor of the entrepreneur.


To check the list of institutions that are operating Pronampe, just access the " Lender" on the Entrepreneur Portal.


Extension

On August 19, the Federal Government extended the deadline for formalizing Pronampe credit operations for another three months. As a result, the program received an additional investment of R $ 12 billion in the Operations Guarantee Fund (FGO) for the granting of guarantees under Pronampe.


The decision to extend the term took into account that there is still a demand for credit on the part of micro and small businesses to maintain their economic activities. Until the extension date, the program had already granted R $ 18.7 billion in credit.

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