Access to the microentrepreneur loan – For whom it is the MEI (individual microentrepreneur) there are a number of advantages to be formalized. And one of them is access to loans for individual microentrepreneurs – MEI. But before making any request, the ideal is you analyze if you really need to get the loan if the credit will help leverage your business or create debt.
What is an individual microcredit?
The well-known line of credit is targeted at small and micro business owners. Its purpose is to offer a low interest loan for the improvement and / or expansion of your business. It can be used the way the microentrepreneur prefers, but it is indicated that it is invested in the consolidation of the company and not to another situation, such as a trip. There it is necessary to choose a personal loan.
But unfortunately not all banks offer this service. The reason? Productive microcredit is not an obligation and does not give much profit to the bank. Precisely because of the lower interest rates. Therefore, the choice of alternative institutions. With the credit released, it can be used to invest in fixed capital (machinery and equipment), working capital (commodities and raw materials) and for remodeling (improvements) of the establishment.
How to get individual microentrepreneur loan?
Several financiers and banks currently work with lines of credit granted especially to those who are individual microentrepreneurs. Among the banks already known and traditional are Caixa, Banco do Brasil, Santander, Bradesco, among others. Now if you look for an alternative loan, some can offer very good installment conditions, but it is important to do a good research, especially if you do not know it very well!
When they need help, many microentrepreneurs have nowhere to draw resources, whether to start their entrepreneurial journey or to increase their production capacity. Therefore, it is so important to regularize the situation of your business through the MEI, as this, will have access to some lines of credit with special conditions for small businesses.
Who offers alternative microentrepreneur loan alternative
We point out some alternative microenterprise loan options for MEI.
Sicoob Cecremef : is a financial institution, regulated and supervised by the Central Bank, non-profit, which is managed by the associates themselves, who are also their clients. It offers several advantages to customers, among them is the option of microcredit.
It is aimed at formal and informal workers with attractive rates and installments that fit in your pocket. And if you need it urgently, know the instant credit for your working capital financing.
Banco da Amazônia: this option is aimed only at clients in the northern region. FNO-MEI is a credit program for exclusive service for Individual Microentrepreneurs of the North Region. It was created to give great strength to the enterprises, to generate income and to foment the creation of more jobs.
Sicredi: the cooperative has a credit line for small microentrepreneurs who need support to generate greater profitability for their business. With small-value loans, you guarantee the resources needed to generate employment and income, in addition to being able to cover the productive demands of the company. To know more about it go to the website of the cooperative.
Regardless of your choice, you should not stop growing and invest for fear of making that commitment, but look for a personal credit line with more enjoyable rates. That’s why surveys are so important. There are numerous options, but opt for the one that goes against the proposal of your business.
Sometimes it may even offer the lowest rate but the forms of payment fit in your pocket and the service offered such as escrow agent is your choice. So you do not have a better one, it all depends on each entrepreneur and your business.
Catching loan care for MEI
Like any credit requested from the bank or financial institution it is important to take care and especially to check if it is necessary. In several situations the loan for MEI is necessary for the growth of the company.
But it is crucial that the microentrepreneur knows the exact destination of the money (microentrepreneur loan) and make a realistic project to define how to apply it, as well as stipulating the amount of the financial return and how long it should come.