Microcredit: Learn How to HireUncategorized
Banco Loan and Credit makes available to small entrepreneurs who want to improve their business, a line of credit that is easier than conventional lines of credit. The Loan and Credit Microcredit. Learn how to hire!
If you have an entrepreneurial spirit, Loan and Credit microcredit may be the little push you were expecting to leverage your business in a simple way, thereby increasing your production capacity. Understand how it works!
How does Loan and Credit Microcredit work?
Loan and Credit Microcredit is an individual credit directed to people who have small businesses, formal or informal, with incomes of up to R $ 120 thousand per year.
This credit may be intended for the purchase of goods, machinery, equipment, stock replenishment or even for minor renovations.
Banco Loan and Credit provides a specialized Agent, the Credit Agent, who goes to the place of its establishment to provide all necessary guidance for hiring this service.
The role of the Credit Agent is to provide targeted and productive credit so that the small business owner makes the right investment. Interestingly, this agent is often a community person who knows the area well and will follow up and provide direct advice throughout the loan agreement.
What are the rules for hiring Loan and Credit Microcredit?
One of the conditions to contract Loan and Credit Microcredit is to have a clean name. However, you do not need a CNPJ or bank account.
The amount requested may vary from R $ 400 to R $ 14,200 thousand, with interest rates decreasing with each renewal. See the following interest rates:
- First hire 4.0% am;
- First Renovation 3.9% am;
- Second Renewal 3.6% am
For the first hiring of Loan and Credit Microcredit, the limit is R $ 5,000, but on renewal the amount may reach R $ 14,000, always taking into account the entrepreneur’s ability to pay.
The bank also charges a Credit Opening Fee (TAC) of 3.0% on the contract value.
What are the payment deadlines?
In addition to all the guidance provided by the agents, the microenterprise can also count on Loan and Credit Protection Microcredit , an insurance offered at no additional cost, to protect the entrepreneur and his family in case of an emergency situation.
Another benefit of Loan and Credit Microcredit Protection is the Food Allowance of $ 100 per month for 4 months, available on the Ticket Food card to be used in supermarkets or bakeries. The microentrepreneur will receive in cases of disability, and the family in the event of death.