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There are several ways to get credit for MEIs and one of them is through the MEI BNDES Card. Are you familiar with this option?
The BNDES card (National Bank for Economic and Social Development) is a type of credit card that helps micro, small and medium-sized companies receive various types of financing to improve their business.
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Better understand how the BNDES MEI card works
The BNDES card allows micro, small and medium-sized companies to obtain credit quickly and efficiently. Individual micro-entrepreneurs (MEI) can also receive this licence, as long as they have a CNPJ.
The amount transferred cannot be used for personal needs and can only be used within the organisation. In addition, any financial institution can issue it. So you preserve the connection.
What are the benefits of the BNDES card?
The main benefits of the card are listed below:
Who has access to the card?
The BNDES MEI card is aimed at legal entities categorised as micro-entrepreneurs (MEI). The maximum turnover for this category is R$ 81,000.
If you employ a registered employee, you must be up to date with debt clearance certificates and have a FGTS and RAIS regularity certificate.
You must also have an active current account, such as a business account, with the bank that issued the card. This is because the following accounts are collected by automatic debit.
Applications for the BNDES card can be submitted in a simple and accessible way via a form sent to the chosen bank on the BNDES website.
How to apply for a BNDES MEI card: Online application guide
You can apply for the card to launch your business, but you must already have an active CNPJ MEI, i.e. have formed a company.
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In addition, you must be up to date with negative certificates of debts linked to credits, FGTS Regularity Certificate, Proof of Regularity of RAIS delivery, among other criteria, if your MEI has an employee registered in the portfolio.
The MEI must have a bank account with the bank that issued the card, as invoices are debited from the account.
To apply for the BNDES MEI card, you must:
- Go to the BNDES website and choose "Apply for a BNDES Card";
- Enter the CNPJ of your own micro-enterprise;
- Choose the issuing bank and fill in the required fields.
Individual micro-entrepreneurs have access to alternative loan options in addition to the BNDES MEI card. For example, the CNPJ MEI credit card.
Is it a good idea to apply for the BNDES MEI card?
One of the indications for the BNDES card is for investments in small businesses that are expanding or modernising. Therefore, if your company is operational and generating a profit, you have the guarantee that you will be able to pay the financing payments even if the planned expansion doesn't materialise.
On the other hand, the BNDES card specialist also protects credit for start-ups. "As the loan is pre-approved and its use is automated, the advantage of obtaining it as soon as the business is established is that the entrepreneur has more freedom to make investments whenever they want," adds André. If you opt for this approach, you run the risk of incurring debts because you don't know if the company will be profitable.
Is there an annual fee at the BNDS?
The BNDES card has no annual fee, but has a variable monthly interest rate.
Customers can follow the current rate and its monthly trend since October 2002 via the website.
There is also a fee for credit analysis. This fee is charged by the selected bank as soon as the card is applied for.
