Small loan up to R$1,000 via Caixa accepting applications
Individuals and Small Individual Entrepreneurs (MEI) can count on micro-credit Give cashier Economic Federalism. Values range from R$1,000 to R$3,000. The software is SIM Digital, launched in March this year. Credit can be contracted even by those who have an improper name.
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SIM Digital is contributing R$3 billion from the Severance Compensation Fund (FGTS). For individuals, the loan can be up to R$1,000, with interest starting at 1.95% per month. Payment in instalments up to 24 months is allowed.
Another option for Caixa microcredit is for individual micro-entrepreneurs (MEI). Amounts up to R$3,000, with interest up to 1.99% per month.
In the case of individuals, recruitment can be done online. Just go to Caixa Tem. The analysis of credit applications takes up to 7 days. It is necessary to complete the registration in the application, as well as show personal documents and take a photo with the ID. It is also necessary to declare income monthly.
To help those with an impure name, SIM Digital can also give credit to those who have restrictions on their CPF. In fact, according to Caixa, more than 80% of appointments to date have been made by people from that state.
As it is MEI, since it has a higher value, the Caixa microloan is only issued after a personalized service in the Caixa Econômica branches.
The analysis period is also longer: 45 days. In addition to helping entrepreneurs, SIM Digital aims to further formalize businesses. The proposal is that all resources be used for business investment.
For example, in the purchase of raw materials or in working capital. One of the conditions for participating in the MEI is to have at least 12 months of invoicing via the company’s CNPJ.
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