Pronampe: como funciona o crédito para pequenos negócios

Pronampe

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[{"selector":"#anim-c8e3cbf8-bc09-4f86-aa66-214064df35fe","keyframes":{"transform":["translate3d(120.47782%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f7b3f61-8cbd-4f35-a5be-cc3cd3d58aba","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-75c7ab4f-7113-47e0-b8df-0101383e2da2","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Pronampe é um programa que facilita o crédito para fortalecer o pequeno negócio Tomaz silva/Agência Brasil

[{"selector":"#anim-f0f89e4e-a2d5-4573-984c-972949054c68","keyframes":{"transform":["translate3d(120.81912%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-674dcd19-07b4-4ada-b083-a0c7d42f893a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2213ad97-05ec-4e88-a251-93f9c28927c2","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] O programa oferece juros mais baixos e prazo maior de pagamento do empréstimo em bancos públicos e privados Daniel Franolli/Sebrae SP

[{"selector":"#anim-28d3f13b-18cd-42ce-a83e-6cf64b70f319","keyframes":{"transform":["translate3d(120.00000%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-756dc448-c6a7-441c-b270-27ae8bdedad3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3c01ee6c-0358-49b6-9949-44a823659864","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Podem ser beneficiadas microempresas, que faturam até R$ 360 mil/ano , e pequenas empresas, que faturam até R$ 4,8 milhões/ano Daniel Franolli/Sebrae SP

[{"selector":"#anim-7b6fd4a8-1e51-43df-92c2-f1dfcd9c7ba4","keyframes":{"transform":["translate3d(133.73983%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ca3d5f9-2728-4b25-8b2b-5146eced6cb4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf4dfe98-925b-479b-a3e6-a9e958d350b0","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Microempreendedores individuais (MEI), com receita de até R$ 81 mil/ano , também têm direito ao crédito Anderson Prado/A2img

[{"selector":"#anim-df79d43b-ca05-4c29-89db-66b5510b0d03","keyframes":{"transform":["translate3d(121.60280%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b1b7f750-5292-411e-a9f6-577f8754dc0a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2e761a74-bca8-41e2-8751-0b15215fb5c8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Para simplificar o acesso , o Pronampe dispensa a apresentação de certidões negativas de impostos e contribuições Patrícia Cruz/A2fotografia

[{"selector":"#anim-9bda9b8a-8bdd-449d-be29-1684e497560d","keyframes":{"transform":["translate3d(121.60280%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-645259bf-3cb7-47f7-ba4c-72a9cb5c55d1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d92f3bec-1f7d-4add-8272-ab7c4a2eac52","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] A empresa pode receber até 30% do faturamento bruto registrado no ano anterior Patrícia Cruz/A2fotografia

[{"selector":"#anim-ebdf20a1-006f-485b-bc58-46a44fea2808","keyframes":{"transform":["translate3d(117.79935%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7734d61c-e933-4a5c-9cdf-76ef6b118aec","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89ab851a-28cd-42b5-87a0-26757d63322b","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] O limite de empréstimo é de R$ 108 mil para microempresa , de R$ 150 mil para MEI e de R$ 1,4 milhão para pequena empresa Roosevelt Cassio/Sebrae SP

[{"selector":"#anim-69dd803d-09ce-485c-b2f2-d278377139d8","keyframes":{"transform":["translate3d(126.76580%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d9f0a43-dfdd-4bd0-99d7-badbc9a80391","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5150bf89-866f-442d-b174-2d5be0eb9dfd","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] O crédito pode ser usado em investimento e capital de giro Marcelo Caltabiano/Sebrae

[{"selector":"#anim-6b3a1ad3-5b1b-4e4d-9070-a59e9cf7287e","keyframes":{"transform":["translate3d(126.76580%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5edecfee-3065-4fd5-846d-bcd1f0d623cf","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e59cad9-15f9-4293-9165-64bce7a0c0ab","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] O Pronampe prevê garantias para diminuir os riscos dos bancos PaeGAG/Adobe Stock

[{"selector":"#anim-da7b3c7b-e2ef-40b3-88a9-bc31c5a5064b","keyframes":{"transform":["translate3d(126.76580%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-579ea8da-f08c-4d81-992c-e4e0d4c0f662","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-965c2707-8725-49fa-a567-6798e4e27480","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Se a empresa não conseguir pagar o empréstimo, o Fundo Garantidor de Operações (FGO) cobre o valor devido Bits and Splits/Adobe Stock

[{"selector":"#anim-407f8986-896f-481b-842f-6b7beb3b2f8c","keyframes":{"transform":["translate3d(128.00000%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-14e514fd-6c0d-469a-b454-3835b343db53","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d1f8c8b-9f34-43a5-8a04-91f848eeb2a8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] A Lei 15.076, de 2024, estendeu o uso do FGO por tempo indeterminado e tornou o Pronampe um programa permanente Roosevelt Cassio/Sebrae SP

[{"selector":"#anim-ef1f08eb-ff21-44eb-8211-6746bd67686a","keyframes":{"transform":["translate3d(124.90910%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-111a1dd0-b678-40d2-9f3b-cc4ad8ce2859","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0df7157c-4d27-42e1-92ea-41755c828a01","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] A norma surgiu do PL 6.012/2023, aprovado em dezembro no Senado Pedro França/Agência Senado

[{"selector":"#anim-5dcf33cb-4664-4efc-b4a3-e230d8e58cfe","keyframes":{"transform":["translate3d(128.51711%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0c999271-3f33-4978-a47c-701c18d056c3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a15db6e-9876-4b1e-82a4-9a10845135d8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Apresentado pelos senadores da bancada de Santa Catarina, o texto foi relatado no Plenário por Eduardo Braga (MDB-AM) Jefferson Rudy/Agência Senado

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[{"selector":"#anim-17a620a0-c817-41da-88de-40a509e8a1e4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Lei 15.076, de 2024 >> PL 6.012/2023 >>

texto Luiza Melo (sob supervisão) edição Maurício Müller pesquisa e edição de fotos Ana Volpe edição de fotos e multimídia Bernardo Ururahy foto de capa Roosevelt Cassio/Sebrae SP Publicado em 7/2/2025

Pronampe

Como funciona o programa de crédito para pequenos negócios

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