Develops Small Businesses: see how to participate! 

O Develop Small Businesses is a variation of the Desenrola Brasil program, but with a focus on MEI, micro and small businesses. 

If you are part of this group and have debts that need to be renegotiated, continue reading this text. 

Here, you will find more details about this important program. 

What is Desenrola Pequenos Negócios?

This program was created by the Federal Government and is part of Crédito Brasil, a program that aims to stimulate the country's economic development, through the granting of credit lines and debt negotiation to certain audiences. 

As Develop Small Businesses, micro-enterprises and small businesses can renegotiate their debts with financial institutions. 

One of the advantages is that they will have easy access to these negotiations and can count on special conditions, deadlines and attractive interest rates. 

Certainly, with the initiatives of this program, the importance of small businesses in generating employment and income becomes evident. 

Who can participate?

Although it is an interesting initiative that can benefit the country's entrepreneurs, the Unroll Brazil Small Businesses is intended for a specific audience. 

As the name suggests, Individual Microentrepreneurs (MEI) and micro and small companies can participate in this program. 

However, for the second option, annual turnover cannot exceed R$ 4.8 million. 

Which debts can be negotiated?

One of the rules of the program is that the debts to be negotiated must be overdue for more than 90 days, however, counting from the date: 04/22/2024. 

Banks have been carrying out negotiations since May 13th, and the deadline for negotiations runs until the last day of December.

There is no limit to the amount of debt or maximum delay time, which may be a benefit in the future. 

Great news is that debt discounts can reach up to 90%, even if it was created recently. 

After negotiation, the micro entrepreneur can once again have access to credit and loans. 

Furthermore, they can regularize and formalize their companies. 

Participants in this program also count on an increase in the level of capital for granting loans offered by banks. 

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Importance of renegotiating your debts in the Desenrola Pequenos Negócios program

In a challenging economic scenario, keeping accounts up to date can be an obstacle for many individual microentrepreneurs (MEIs), microenterprises and small businesses. 

Accumulated debts can become a burden that impedes business development, limiting access to new credit and investment opportunities. 

The program offers advantageous conditions to renegotiate debts overdue for more than 90 days with participating banks and financial institutions. 

By taking advantage of this opportunity, you can eliminate financial outstanding issues, as a result, opening the doors to access to credit and more advantageous lines of financing.

Furthermore, you can negotiate with flexible deadlines and values, relieving cash flow and facilitating your day-to-day operations.

Use the Develop Small Businesses It is also important to gain momentum to invest. 

This is because, by paying off or reducing debts, you free up resources to invest in the growth of your business, whether in expansion, modernizing the structure or training the team.

How to negotiate?

Those interested in negotiating their debts should contact the banks and financial institutions that owe them. 

It is important to highlight that you want to trade through this program, to guarantee access to all the advantages and benefits. 

One of the main advantages, in addition to excellent payment conditions, is that the ability to resume credit is immediate. 

Thus, you quickly move from a scenario of debt and stagnation to a scenario of new opportunities to invest in your business.  

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Summary of content in frequently asked questions:

1. Who can participate in Desenrola Pequenos Negócios?

You can participate in the program:

MEIs;

Microenterprises (ME);

Small business enterprises (EPP) with annual turnover of up to R$ 4.8 million;

Companies with debts overdue for more than 90 days, as of April 23, 2024.

2. Which debts can be renegotiated?

The following are eligible for renegotiation:

• Costing credit debts (such as loans, financing and credit cards);
• Investment credit debts (such as financing for the purchase of machinery and equipment);
• Overdraft;
• Prepaid Debts;
• Personal Credit Debts;
• Housing Financing Debts.

3. How can I join the program and renegotiate my debts?

To join the program, you must:

Firstly, look directly at the financial institution with which you have outstanding debts. 

You must then inform your interest in participating in Desenrola Pequenos Negócios and present the necessary documentation. 

Finally, negotiate the conditions for renegotiating the debt, such as terms, interest and discounts.

Each bank or financial institution will offer special renegotiation conditions, which may include:

Discounts of up to 90% of the debt amount;

Longer payment terms;

Reduced interest;

Fixed installments;

Suspension of interest charges during the renegotiation period.

4. Is there a limit on the amount of debt or maximum delay time?

There is no limit on the amount of debt or maximum delay time to participate in the program.

Remember if:

The deadline to join the program is December 31, 2024.

Renegotiation conditions vary according to each financial institution.

It is important to compare offers and choose the option that best meets your needs.

To ask more questions about Desenrola Pequenos Negócios, you can access the program page on the government website.