Is Pronampe Bradesco still available to MEI and microentrepreneurs?


MAY – In the face of the crisis caused by the Coronavirus pandemic, many entrepreneurs have sought financial help to keep their businesses running. To assist in this moment, the federal government launched Pronampe, which offers credit to micro and small entrepreneurs to face this period of turbulence. For Bradesco’s account holders, for example, seek the Pronampe Bradesco has been the solution. But is the feature still available?

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Pronampe Bradesco: is it still possible to achieve? Understand (image: disclosure / G1)

See too: Bradesco has a loan for negatives to pay the first loan in 60 days.

O Pronampe

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Pronampe, as already pointed out, is a credit line for micro and small entrepreneurs that was created during the pandemic period, to help entrepreneurs in this moment of crisis.

Known as the National Support Program for Micro and Small Companies, it aims to grant credit at low interest rates, with a payment term of up to 36 months.

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With the amount available, entrepreneurs can pay debts, buy equipment and pay their employees; thus maintaining the employment and income of many families.

Who is Pronampe for?

There are three types of entrepreneurs who have access to these lines of financing:

  • Individual Microentrepreneurs (MEI);
  • Micro-businesses;
  • Small businesses (EPP).

Which banks offer Pronampe?

The credit provided through the national support program for micro and small companies is offered by different banks and fintechs.

Among them, we can mention Banco do Brasil, Caixa Econômica Federal, Banco Santander, Banco do Nordeste, Bradesco, among others.

See too: Delayed Bradesco Boleto: how to update?

Pronampe Bradesco: no more resources?

The search for credit lines made entrepreneurs turn to private banks to obtain the values. It turns out that many financial institutions have already reached their credit limit, having no more resources to make available.

According to Bradesco bank, only on the first day of the second round, R $ 1.3 billion were released for loans. And today, 11/26, there is no more money available to release via Pronampe.

According to the institution itself, entrepreneurs interested in hiring new values ​​can consult their manager to find out about other credit lines available.

Pronampe is released in phases

The program has already had two phases, and in the second alone, it released 12 billion reais in credits for individual microentrepreneurs, microenterprises and small businesses.

This value is well below that released in the first stage of the program. At that stage, 15.9 billion reais were made available by the government and thousands of companies benefited.

Third round is approved and maintains the previous rules

On November 18th, the Senate approved the bill to continue the program. However, it still needs authorization from the Chamber of Deputies for the new values ​​to be distributed.

It is estimated that the value of the benefit to be released is 10 billion reais; amount that, as in previous rounds, comes out of the operations guarantee fund (FGO).

It is a private fund created in 2009 that guarantees credit operations for small and medium-sized companies.

With the release of the new values, it is estimated that the phase of lending by banks will begin. Including those interested in Pronampe Bradesco. Now we have to wait for the bill to be approved.

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