Can people with bad credit open a MEI? Find out now!
Can someone with bad credit open a MEI? Having outstanding financial debts on your name certainly leads to several setbacks, in addition to directly impacting your financial life.
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However, there are several services in the market and in the government that do not take into account whether a person has a bad credit rating.
Therefore, this article will highlight the service for Individual Micro Entrepreneurs and find out what the conditions are for those with name problems.
Getting to know MEI
In principle, MEI is a person who works and performs the role of a small or micro-individual entrepreneur.
Therefore, when registering as an MEI, the entrepreneur will have access to several benefits to facilitate their journey.
However, there are some requirements for an individual entrepreneur to be formalized.
For example: revenue must be a maximum of R$81,000 per year. If registration is done at a time other than the beginning of the year, it will be necessary to do the math.
Therefore, revenue must be proportional to R$ 6,750 per month, this income is determined by Complementary Law 123.2006.
To be a MEI, the entrepreneur must meet the following conditions:
- Not having a partner in the company you want to formalize;
- He/she may not be the owner, partner or administrator of another institution, be a partner of a business corporation under contract or administrator of any company, partner or simple corporation;
- The company must not have a branch;
- Have a maximum of one employee, male or female, who receives up to 1 minimum wage or who fits the minimum wage for the category, when applicable;
- Have permitted economic occupations such as MEI, the occupations are provided for in Annex XI of CGSN resolution no. 140 of 2018;
- He/she cannot be an active federal public servant.
Can someone with bad credit open a MEI?
The answer to that question is yes! According to Complementary Law No. 123 of December 14, 2006, having a negative name is not a barrier to opening a CNPJ MEI.
In other words, there is no impediment to you starting your own business.
However, be aware that a negative credit rating will make it difficult to access credit to invest in your business, in addition to other financial restrictions that will certainly end up affecting the entrepreneur's life.
Therefore, focus on regularizing your situation so you can enjoy all the benefits of being an MEI.
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People with bad credit can open a MEI: see the advantages
Do you know what the advantages and benefits of being an MEI are?
- No costs for formalization as MEI and opening of CNPJ;
- You will have the opportunity to have your legal bank account with a card payment machine and favorable situations, as financial institutions offer these services to Microentrepreneurs in this way;
- You can issue NF-e, making it easier for public bodies and private companies to hire you;
- Low and fixed monthly tax payment, equivalent to 5% of the current minimum wage plus R$1.00 of ICMS;
- If you have commercial or industrial activities or collect ICMS, R$5.00 of ISS, if you have service activities;
- Exempt from obtaining any license or permit, for operation, location and health;
- Simple tax payment in just one document, requiring only the monthly payment of the DAS-MEI form, issued online;
- Easy access to various financial services, including lines of credit, and more advantageous rates than usual;
- You can buy a brand new car directly from the manufacturer with a discount of up to 30%;
- Purchase health plans for you and your family at lower costs compared to individuals;
- There will be no need to keep formal accounting;
- Participation in bids and the opportunity to provide services to a public body, and because it is an MEI, the rules are more favorable compared to other companies;
- You can buy materials and supplies for your company at lower prices;
- All technical support and assistance from Sebrae, anywhere in the country, being able to benefit from courses, lectures and consultancy, most of which are free and online;
- You can benefit from very advantageous conditions at the Federal, State and Municipal levels, which are increasingly preparing to support MEI incentive laws;
THE negative can open MEI, and still benefit him and his family, with social security benefits, such as:
- Retirement by age;
- Disability retirement;
- Sickness benefit;
- Maternity pay;
- Prison assistance;
- Survivor's pension.
Conclusion
Can someone with bad credit open a MEI? You saw that it does, and you still have access to a multitude of benefits that benefit you and your family.
But, even managing to open the MEI with the name negative, you will have some limitations regarding credit and services.
Therefore, after you manage to open your MEI, try to regularize your number so that you can benefit from all the services offered.
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