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Financing

Find below the main federal financing lines for projects related to tourism and related sites.

 

Promote and provide resources for the financing of tourist activities, such as works for modernization, renovation and expansion of enterprises.

Purpose

Acquisition of new machinery and equipment and services with the purpose of or which are of national tourism interest, as defined by the Ministry of Tourism.

 

Target public

Legal entities operating in the tourism segment.

 

Financial charges

Post-fixed, established according to the operation term.

 

Financing limit

R$ 400,000.00 (minimum);

R$ 10,000,000.00 (maximum).
 

Terms

Amortization: up to 240 months;

Grace period: up to 60 months (within the above period);
 

Operating Area

Tourist enterprises located throughout the country.

 

Operating Bank

Caixa Econômica Federal (www.caixa.gov.br).

Financing of projects in the tourist sector which provide the generation or maintenance of employment and income.

Purpose

Fixed investment and investment with associated working capital.

 

Target Public

Micro and small companies, with annual gross revenues of up to R$ 5 million, in the tourism industry production chain.

 

Financing Limit

- Up to R$ 300 thousand for businesses with annual gross revenues of up to R$ 3 million.
- Up to R$ 400 thousand for businesses with annual gross revenues between R$ 3 million and R$ 5 million, already including associated working capital.

 

Financial Charges

Post-fixed interest rate.

 

Terms

Depending on the financing object, up to 120 months, included grace period of up to 30 months.

 

Warranties

Binding of financed assets, partner endorsement and endorsement fund.

 

Operating Area

All the Brazilian territory.

 

Operating Banks

- Banco do Brasil (www.bb.com.br)
- Caixa Econômica Federal (www.caixa.gov.br)
- Banco da Amazônia (www.bancoamazonia.com.br)

 

Note

The conditions stated above may vary according to the financial agent. For further information, visit the respective websites.

Financing for the deployment, expansion, modernization and renovation of enterprises in the Northeastern tourism sector.

Purpose

Investments and working capital associated to tourist resorts.

 

Target public

Legal entities, including entrepreneurs registered in the board of trade, registered at the Ministry of Tourism, whose main economic aim is tourist activity.

 

Terms

Maximum of 12 years, including up to 4 years of grace period. The duration of each operation will be determined on the basis of the payment ability of each project, observing the limits already mentioned.

 

Financial Charges

Prefixed interest rates established according to the size of the company, with 15% or 25% bonus for timely payment, depending on the location of the enterprise.

 

Warranties

The warranties will be cumulative or alternatively composed by real and personal collaterals, depending on the term, value and score obtained in the client and project risk assessment.

 

Operating Area

The northeastern region and cities in the States of Minas Gerais and Espírito Santo included in the operating area of the Superintendency for the Development of the Northeast (Sudene).

 

Operating Bank

Banco do Nordeste (www.bnb.gov.br).

Financing for the deployment, expansion, modernization, renovation or relocation of tourist enterprises in the Northern region.

Purpose

Fixed investment, mixed investment (fixed investment and associated working capital) and procurement of inputs.

 

Target Public

Legal entities governed by private law, including individual companies, associations and cooperatives.

 

Financial Charges

Prefixed interest rates established according to the size of the company, with 15% bonus for timely payment.

 

Terms

Fixed or mixed investment: up to 12 years, including a grace period of up to 4 years. Financing terms are scaled according to the payment capacity of the recipient.

 

Warranties

Mortgage, pawn, statutory lien and endorsement.

 

Operating Area

Tourist resorts located in the Northern region.

 

Operating Bank

Banco da Amazônia (www.bancoamazonia.com.br).

Financing of deployment, expansion and modernization projects in tourist resorts, with or without associated working capital in the Mid-Western region.

 

Purpose

Financing all assets and services necessary for the deployment, expansion and modernization of tourist resorts, associated working capital and input acquisition.

 

Target Public

Legal entities governed by private law, since they are involved in tourism activities, such as hosting, tourist camping, restaurant, tourist agencies and organizers of conferences, conventions, seminars and similar events.


Note: companies and individual entrepreneurs, classified as providers of tourist services, whose activities are contemplated in the Decree n° 5406, from 03/30/2005, and the relevant regulatory acts, must be registered at the Ministry of Tourism.

 

Terms

- Investment: up to 12 years, including a grace period of up to 3 years and, in the case of hosting, up to 15 years, including the grace period of up to 5 years;

- Associated working capital: up to 3 years, including a grace period of up to 1 year;

- Input acquisition: up to 24 months, included a grace period of up to 6 months;

- Trucks: up to 6 years, including a grace period of up to 2 years.

 

Financial Charges

Prefixed interest rates established according to the size of the company, with 15% bonus for timely payment.

 

Warranties

Personal (endorsement or guarantee), Guarantee Fund for Micro and Small Enterprises (FAMPE), financed assets and/or other real guarantees.

 

Operating Area

Tourist resorts located in the Mid-western region.

 

Operating Bank

Banco do Brasil (www.bb.com.br).

Financing, through accredited financial institutions, for investments of up to R$ 10 million.

Purpose
Long-term credit for investments in the deployment, expansion, recovery and modernization of tourist resorts, including civil works, assembling and facilities, purchase of nationally manufactured new equipment and working capital associated with the project.

 

Financing Limit

Up to R$ 10 million.

 

Financial Charges

Post-fixed financial costs.

 

Terms
Grace and total periods are defined by the accredited financial institution on the basis of the enterprise ability to pay.

 

Warranties
Personal and real warranties, negotiated between the accredited financial institution and the client.

 

Operating Area

Tourist enterprises located throughout the country.

Operating Banks

Network of accredited financial institutions, including Banco do Brasil (www.bb.com.br), Banco da Amazônia (www.bancoamazonia.com.br), Banco do Nordeste (www.bnb.gov.br) and Caixa Econômica Federal (www.cef.gov.br).

 

BNDES FINEM – Enterprise Financing

Financing, directly at BNDES or through accredited financial institutions, for investments over R$ 3 million.

 

Purpose
Long-term credit for investments on the deployment, expansion of productive capacity and modernization of enterprises, including the acquisition of nationally manufactured new machinery and equipment, accredited by BNDES, as well as the importing of new machinery, as long as there is no national similar, and associated working capital.

 

Financing Limit
Investments from R$ 3 million.

 

Financial Charges
Post-fixed financial costs.

 

Terms
Determined on the basis of the enterprise, company or economic group payment ability.

 

Warranties
Personal and real, negotiated with BNDES (direct operation) or with the accredited financial institution (indirect operation).

 

Operating Area
Tourist enterprises located throughout the country.

 

Operating Banks
• Direct support: BNDES (www.bndes.gov.br)
• Indirect support: network of accredited financial institutions, including Banco do Brasil (www.bb.com.br), Banco da Amazônia (www.bancoamazonia.com.br), Banco do Nordeste (www.bnb.gov.br) and Caixa Econômica Federal (www.caixa.gov.br).

 

BNDES FINAME – Machinery and Equipment

Financing for the isolated acquisition of new machinery and equipment, of national manufacturing, accredited by BNDES, and associated working capital through accredited financial institutions.

Purpose
Isolated acquisition of new machinery and equipment, of national manufacturing, accredited by BNDES, and associated working capital.

Financial Charges
Post-fixed interest rate.

Terms
Grace and amortization periods defined in relation to the company's payment ability, respecting the maximum total period of 60 months.

Warranties
Negotiated between the accredited financial institution and the client.

Operating Area
Tourist enterprises located throughout the country.

Operating Banks
Network of accredited financial institutions, including Banco do Brasil (www.bb.com.br), Banco da Amazônia (www.bancoamazonia.com.br), Banco do Nordeste (www.bnb.gov.br) and Caixa Econômica Federal (www.caixa.gov.br).

 

BNDES Card

Pre-aproved revolving credit, up to R$ 500,000, for the purchase of goods over the internet.

Purpose
Acquisition of products accredited at BNDES through the BNDES Card Operations Portal (www.bndes.gov.br).

Credit Limit
Defined by the bank issuing the BNDES Card, up to R$ 500,000, per client and per issuer.

Financial Charges
Variable interest rate informed by BNDES.

Terms
Amortization: 3 to 48 fixed and equal monthly installments (subject to consultation with the issuing bank).

Warranties
Negotiated between the issuing bank and the client at the credit analysis for the granting of the card.

Supplier
Manufacturers of machinery, equipment and other production goods with total or partial manufacturing in Brazil.

Issuing Banks

Financial institutions authorized by the Central Bank (BACEN) to operate credit cards, approved by BNDES and responsible for issuing the BNDES card and the operation risk, including Banco do Brasil (www.bb.com.br) and Caixa Econômica Federal (www.caixa.gov.br).

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