Loan for Individual Microentrepreneurs

With a loan for individual microentrepreneurs, you can boost your business!

Being a MEI professional can bring you many benefits, including easier access to credit services to invest in your business.

If you fall into this category and need a loan to help you succeed in business, you're in the right place!

In today's text, you will find some options for loan for individual microentrepreneurs at great financial institutions, the list has diverse options, so be sure to check it out!

See our index below:

• Loan for MEI Banco Inter;
• Credits;
• Loan for MEI Banco Itaú;
• CashMe Microcredit;
• Bradesco Oriented Productive Microcredit;
• Conclusion.

1. Loan for individual microentrepreneurs – Banco Inter

With Banco Inter, MEI professionals also have access to loans with excellent conditions and values; however, they must have a property to use as collateral.

In this case, you can get values above R$$30,000.00 and can reach up to R$50% of the value of your property.

In a home equity loan, also known as a home equity loan, the client applies for credit and pledges the property as collateral for payment. However, the client does not need to leave or sell the property.

The payment term varies from 24 to 240 months, interest rates vary from 0.80% per month + IPCA, the indexer of this rate follows the variations in inflation in our country.

Inter stands out for having one of the lowest rates in the financial market, so you will get a loan for individual microentrepreneurs with small installments and competitive interest rates.

To run a simulation, click here and enter the value of your property and loan preferences.

2. Credits

Creditas is Brazil's largest digital credit platform. The portal offers a variety of credit solutions for different stages of your life.

THE loan for MEI Creditas It is also a home equity, that is, with property collateral, but there is also the option of vehicle collateral.

With your vehicle as collateral, you can request between R$1,400,000 and R$1,500,000. Interest starts at R$0.991,300 per month, and repayment terms range from 18 to 60 months.

However, with your property, the values can range from R$1,400,000 to R$1,400,000,000. Therefore, the interest rate starts at R$0.891,000 per month + IPCA. In this case, the repayment term can be 60 to 240 months.

One of the benefits is that you don't need a CNPJ (Brazilian Corporate Taxpayer Registry), so you can use the money to get your company off the ground, starting from scratch.

Access the Creditas platform and run a simulation with your property or vehicle.

3. Loan for Individual Microentrepreneurs – Banco Itaú

THE loan for individual microentrepreneurs provided by Banco Itaú is known as Working capital.

It's exclusive to the bank's corporate clients and can be requested online. This loan was created to meet your business's cash flow needs.

The amount can be paid in installments over up to 4 years, with a grace period of 4 months before starting to pay the first installment. You will certainly have enough time to plan your finances.

Additionally, you can enjoy better contracting conditions if you use a guarantee. Among the guarantees accepted by the bank are:

• Financial investment – use your investments as collateral.
• Duplicates – bills received as payment also serve as collateral.
• Card receivables – use credit card sales as collateral.
• Joint and several debtor – indicate an individual as guarantor of the transaction.

To find out more details or to hire, visit the page Working capital from Itaú Empresas. 

4. CashMe Microcredit

CashMe is the Cyrela Group's fintech company, and the loan option it offers to this group of professionals is secured by real estate.

The application can be made entirely online, and the client has up to 240 months to repay. The interest rate is calculated from 0.85% per month + IPCA.

One of the main advantages of microcredit for MEI from CashMe is the speed in credit analysis and in releasing the amounts.

Therefore, it is a great option for entrepreneurs who need urgent money.

Click here and simulate values from R$50,000 to R$15,000.00

5. Bradesco Oriented Productive Microcredit

This is Bradesco's microcredit, aimed at microentrepreneurs who want to invest in the success of their company.

With this program, you can get credit of R$1,040,000 to invest in your business, for example, by purchasing goods, renovating them, or even using them as working capital.

Although it is intended for micro-entrepreneurs, your company must have a turnover of up to R$1,400,000 per year.

Among the advantages of this microcredit, we can highlight the exemption from IOF and the ease of contracting. In addition, payment can be made according to the capacity of your business.

To request yours, simply fill out this file and wait for a response from Banco Bradesco.

Conclusion

THE loan for individual microentrepreneurs can be a great ally for your business, however, it is important to have financial planning before requesting it.

Even though it's an investment tool for your business, it's important to be sure you'll be able to pay the installments if this investment doesn't yield an immediate return.

Therefore, evaluate carefully to decide which is the most advantageous alternative. If possible, choose an option with a property or vehicle guarantee, as it has lower interest rates and better payment conditions.

Recommended reading – Popular Telephone: find out what it is and how to request it.