In the current economic scenario, marked by challenges and uncertainties, adaptability and effective financial management are key elements for sustainability and business growth. In this context, efforts that facilitate the renegotiation of bank debts bear a special relevance, especially for individual proprietorships (MEI's) and small businesses, which are of paramount importance in generating jobs and innovation in the country.
Released on May 13, 2024, the Desenrola Pequenos Negócios program emerges as a mechanism to support the financial restructuring of these companies, to facilitate the renegotiation of bank debts on more favorable terms.
Eligibility and Participation
Earmarked for MEI’s and small companies with annual turnover of up to BRL 4.8 mn and that have amassed bank debts until January 23, 2024, Desenrola Pequenos Negócios aims to smooth the way for the reorganization of the financial obligations of these companies, ensuring their going concern.
To participate, entrepreneurs should look for the official service channels of their financial institutions, where they will be able to know the specific conditions of renegotiation. It is important to note that the renegotiation conditions are defined individually by each financial institution, and may vary in terms of discounts, installment plans, and applicable interest rates.
Additionally, the program does not establish a deadline for adhesion, allowing entrepreneurs to seek renegotiation at the most appropriate time for their needs. What is more, the initiative exclusively covers debts in the financial sector, underlining the importance of careful management of business finances.
Attention to scams:
At this stage of debt negotiation, it is pivotal that companies keep an eagle eye on proposals received through unofficial channels from banks. In the face of any uncertainty, it is crucial to seek clarification and confirm the authenticity of these offers directly with financial institutions, using their official channels. This cautious attitude not only shows prudence, but is also key in preventing fraud, ensuring that all negotiations are carried out in a secure manner.
Conclusion
Desenrola Pequenos Negócios emerges as an essential strategic instrument for MEI's and small businesses, paving the way for effective financial restructuring and substantial business strengthening. By simplifying the process of renegotiating bank debts, this program not only adds to the financial stability of these businesses, but also boosts the economy on a broader scale.
Source: https://portal.febraban.org.br/noticia/4111/pt-br
https://www.gov.br/fazenda/pt-br/acesso-a-informacao/acoes-e-programas/desenrola-pequenos-negocios
Available in: https://www.migalhas.com.br/depeso/408336/pequenos-negocios-oportunidade-de-renegociacao-de-dividas-para-meis
Autor: Renata de Cássia Moraes Nicodemos • email: renata.nicodemos@hotmail.com • Tel.: +55 67 99234 3888
