Pay attention, Brazilians who need financial assistance to invest in their business: if you meet some of the rules of Caixa Econômica, you can apply for an exclusive loan method. The values are intended for two groups and have different contract terms.
Do you want to know more about the benefits offered by the financial institution and what are the conditions for employment? So keep following the article below so you don’t miss any important information.
Small private loan through Caixa Economica
People who want to start an entrepreneurship or who already have a business and need financial assistance to continue their investments can count on Caixa through the program of simplifying digital microcredit for entrepreneurs, known as Digital SIM.
Basically, Microcredit was launched to serve individuals and small individual entrepreneurs (MEI), with recruitment starting this year. It should be noted that the loan amounts are drawn from the Stopover Compensation Fund (FGTS) through the Caixa Microfinance Guarantee Fund (FGM).
The conditions for both groups are different. Check out the credit release rules for MEI:
- Credit release up to a maximum of R$3,000;
- interest on debts at 1.99% per month;
- 24 months to pay;
- The annual turnover of the company must be up to R$360,000;
- You must have an active CNPJ for at least 12 months.
Terms for individuals
In the case of natural persons, the conditions are as follows:
- Credit release up to a maximum of R$1,000;
- interest on debts at 1.95% per month;
- 24 months to pay;
- Negative people can rent this method, as long as the debt does not exceed R$3,000.
How do I apply for the loan?
In addition, recruitment also occurs differently for each group. Check it out below.
Individual small business owners
MEIs need to go to a Caixa branch with company-related documents and their own. After that, they must fill in the documents with the necessary data and then wait for the bank to analyze them in order to release the amount.
Individuals can perform the entire process through Caixa Tem (Android: https://bityli.com/SVbrUS or iOS: https://bityli.com/FwISrT), without having to leave the house. To do this, just follow these steps:
- First of all, update your registration in the application to validate your data (a personal photo and some personal documents will be requested);
- Then, just click on the “Loan Caixa Tem” option and follow the instructions on the screen, answering the reasons why you want to access the amount.
At this point, it is important to remember that credit is aimed at business investments. If the user replies that they need the amount for other reasons, they will be redirected to another loan method within the app itself.
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