Chamber approves expansion of loan program for micro and small companies

Entrepreneur within the subject of ladies’s underwear since 2021, Maria Amélia Vieira de Sousa wants a mortgage of BRL 50,000 to settle money owed with suppliers and spend money on the shop. “I have already got sufficient folks, factories which have situated me, have been searching for me to kind a partnership, however, nevertheless, I’m not in a position to make investments in order that I can have low-cost merchandise, in order that I can appeal to my consumer’s consideration”, reveals the businesswoman.

The Nationwide Assist Program for Micro and Small Companies, Pronampe, is geared toward circumstances reminiscent of that of the businesswoman. “This program was created throughout the pandemic, in order that micro and small corporations, which had been the large ones sacrificed throughout that interval, which had been actually closed to have the ability to include the unfold of the coronavirus, may have a monetary breath to satisfy their obligations: payroll, taxes, distributors, rents. Via Pronampe, we managed to irrigate hundreds of micro and small corporations in Brazil, however it’s apparent that this monetary irrigation was not sufficient for what virtually 20 million MEIs, micro corporations and small corporations wanted”, recollects deputy Marco Bertaiolli (PSD-SP).

Now, this system undergoes a brand new change. This week, within the Federal Senate, the provisional measure that will increase the fee interval of loans made by means of the Nationwide Assist Program for Micro and Small Companies (Pronampe) must be voted on this week. Accepted within the Chamber of Deputies, the textual content of MP 1139/2022 extends from 48 to 72 months, that’s, from 4 to 6 years, the start of maturities of credit score strains, additionally offering for a grace interval of 12 months for the start of funds from this system.

The rapporteur for the matter, Deputy Yury do Paredão (PL-CE), introduced a substitute, which was accredited. In it, the curiosity restrict utilized right now was maintained — Selic fee plus 6% per 12 months for contracts signed from 2021.

Because it already labored earlier than the version of the MP within the Bolsonaro authorities, the utmost relevant fee might be fastened by act of the Secretary of Micro and Small Firms and Entrepreneurship, a physique now subordinate to the Ministry of Growth, Trade, Commerce and Providers. In response to the ministry, the adjustments will permit banks to supply credit score in phrases which are extra suited to the wants of corporations.

The textual content additionally extends the fee interval from 5 to 6 years in circumstances the place the contracting firm has been acknowledged by the federal authorities with the Emprega + Mulheres seal.

The cash obtained by Pronampe can be utilized for investments, reminiscent of the acquisition of kit and finishing up renovations; for working bills reminiscent of paying worker salaries, paying payments and buying merchandise. Using these loans for the aim of distributing earnings is prohibited.

The Pronampe

Pronampe was created in 2020 in response to a situation of anticipated credit score damming and diminished consumption, as a result of Covid-19 pandemic. Credit score operations can attain as much as 30% of the annual income of corporations knowledgeable by the Federal Income, restricted to R$ 150 thousand per Nationwide Register of Authorized Entities (CNPJ), based on fee capability. Hiring is quicker than conventional strains as a result of any defaults are lined by the Operations Assure Fund (FGO).

This system turned regulation in 2021, turning into everlasting. The reuse of assets in new ensures was licensed till December 2024, permitting the contracting of greater than R$ 50 billion in credit in 2022 and 2023.