The BNDES card for MEI can be a great ally for you to invest in your business. Read the text and find out how it works, how to apply and much more!
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When you formalize yourself as an MEI, the main advantages related to the Financial Market are the most advantageous lines of loans and microcredit.
Including, the BNDES card for MEI It is a product that can be a great ally for the Individual Microentrepreneur.
In today's article we will find out more details about this card and how to apply for it. Be sure to check it out! See our index below:
- How it works;
- Which banks issue the card;
- What should I ask my manager when applying?
- Interest rate;
- What the card can finance;
- How to buy with the card;
- How to apply;
- Conclusion.
How does the BNDES card work for MEI?
This card aims to finance investments that MEI and professionals from other types of businesses have in their business.
Therefore, it is exclusive for purchasing inputs and other items for the business, however, these utensils can only be purchased on the BNDES Portal, that is, only from distributors that are on this portal.
Although it may seem like an uninteresting option, on the portal you can find thousands of items and services, and there is certainly a great chance of finding items to invest in your business.
An interesting point about this card is that it respects the maximum annual billing limit of each CNPJ.
Another feature is that your limit can reach up to R$1,400,000. However, each issuing bank is responsible for the margin of the card it offers.
Each of them has its own criteria for releasing the limit, according to the profile of each MEI and other factors.
Which banks issue the BNDES card for MEI?
When applying for this card you can choose the issuing bank. At the moment, you can choose between:
- Bank of Brazil;
- Bank of the Northeast;
- Banestes;
- Banrisul;
- Bradesco;
- Federal Savings Bank;
- Itau;
- Santander;
- Sicoob;
- Sicredi.
To apply for a card through any of these banks, you must first open a checking account. If you already have one, talk to your manager and see how to apply for your card.
Caixa, Itaú and Banestes have temporarily suspended the issuance of this card, but there are still other bank options.
What should I ask my manager before applying for this card?
Some services may vary depending on the issuing bank, so you need to be aware when requesting yours. BNDES card for MEI, ask for all card details, for example:
- How does opening and changing a current account work;
- How the credit limit is defined and how the reviews of this limit work;
- What is the deadline for issuing and delivering the card;
- How to unlock the card;
- How or where to request a second copy, if necessary;
- What is the payment method for the invoice?
- How to renew and cancel your card;
- How long does it take for the limit to become available after paying the invoice?
About the interest rate
The interest rate on this card is based on the TLP (Long Term Rate), and also on the default rate of micro, small and medium-sized companies.
On the website www.cartaobndes.gov.br The interest rate is published monthly and is valid from the first day of the month until the last.
What can the BNDES card finance?
As already mentioned, this card is only used to finance items to invest in your business sold on the BNDES card portal.
The items that can be financed are many and useful for different departments, among them we find, for example:
- Packaging;
- Book publishing services;
- Materials for civil construction;
- Manufacture of nationally produced CDs, DVDs and recorded vinyl records;
- Audiovisual services;
- Machinery and equipment;
- Ready-made software and custom software development services;
- Design services;
- Courses focused on the technological axis.
There are also other service and product options that can be financed with the BNDES card for MEI, You can also find the full list on the card website.
How to buy with the BNDES card for MEI?
To make a purchase, you need to access the card's website and search for products or suppliers. Purchases on the website can be made in two ways: directly or indirectly.
In the first option, the buyer authorized to make purchases accesses the restricted area of the website and makes the purchase.
This option is only available for products that display prices on the website.
In the indirect form, the purchase is initiated through contact outside the website, between the buyer and the supplier.
In this case, it is possible to negotiate the prices of items or services, because the prices are not displayed on the website and it is the supplier who accesses the restricted area and processes the transaction.
Therefore, after the negotiation you must inform the supplier of some of your card details, and then he will carry out the procedures on the portal.
Negotiations must be made directly with the accredited supplier, through the contacts provided on the supplier's website. BNDES card for MEI.
How to apply for the card?
To request this card, you must access its website: www.cartaobndes.gov.br and click on “request your BNDES card”.
Then, enter the CNPJ, CNAE fiscal and the type of control, in the next step select the issuing bank.
Finally, fill out the BNDES Card Application Proposal and go to the chosen issuing bank to sign the Membership Agreement and present the necessary documentation.
The customer can have a card in as many issuing banks as they wish, and if there is the option of two brands in a single bank, it is possible to have both versions.
However, the sum of the card limits cannot exceed R$1,400,000.
Conclusion
THE BNDES card for Mei There are no monthly or annual fees, and the interest rates are affordable.
However, it is important to do financial planning for your business before applying for yours.
Although it is a great ally for your business, it must be used correctly so that it does not become a bomb.
So, have total control over your spending and use your card very cautiously.
Finally, be sure to find out How to get out of credit card revolving interest.
