a Pranamp The (National Program for Supporting Small and Micro Businesses) was established in 2020 to support small and micro business owners during the pandemic. It became permanent in June of the following year, and now has some Changing rules.
Among the major changes expected in the document signed by President Jair Bolsonaro is the inclusion of individual micro-entrepreneurs (MEIs) in the initiative. Another novelty is the permission to use funds from the Operations Guarantee Fund (FGO), which was not used until December 31, 2021, for new credit operations.
“This is very good because there is a return on these resources, that is, with the settlement of premiums or even with no use of the balance in operations collateral, the funds can be reused in new operations until December 2024. These resources reach a very good moment for recovery, but also for an increase in hypothetical‘,” says Carlos Melles, president of CEPRA.
The new rules approved by the government expand and make Pronampy more flexible. See what they are:
- MEIs, which were not covered until then, can now get credit.
- Companies with a total annual turnover of R$300 million are also included in Pronampe. The previous limit was the total annual revenue of R$4.8 million.
- The granting of FGO-guaranteed credit continues until the end of 2024, and no longer until the end of 2021.
- companies hiring loans Employees can be fired, which is not allowed.
- Financial agents are not required to submit tax compliance certificates, Stop Compensation Fund (FGTS), Social Information Annual List (Rais) and other documents that may deny access to the Peac-FGI and Credit Incentive Program (Peac-FGI). PEC).
With this change, Pronampe now serves four categories: Individual Small Entrepreneurs (MEIs); Micro-enterprises with revenues of up to 360 thousand Brazilian reais annually; Small businesses with revenues ranging from R$ 360,000 to R$ 4.8 million annually; and medium-sized companies with annual revenues of up to 300 million Brazilian riyals.
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