See frequently asked questions about obtaining credit and preparation of projects
1) The loan is Sebrae?
No. The financial institution is not Sebrae. By law, can not provide loans and financing.
However, the Sebrae has several products and services that can help you to obtain funding. Identify the real needs of the customer and offering those who can assist you.
2) The Sebrae prepare a feasibility project for funding and what the charge for the preparation?
Some states prepare the Sebrae projects through its own network or outsourced accredited. In others, he recommended to the institutions and professional achievement. Thus, there is one policy for recovery. Check with the coordination of Sebrae of their state as it should be the form of action.
3) You must submit a Business Plan / Proposal to obtain funding?
The development of a Business Plan / Proposal aims to assist the entrepreneur in the planning and execution of a particular investment, since it is a tool that contains information of cash flow, financial projections and planning of the business.
The financial agent believes that the entrepreneur is better prepared to obtain financing when it presents a Business Plan / Proposal qualified, facilitating the assessment of the election. However, not all financial actors asked to submit a Business Plan – PN or a Project economic and financial viability – PVEF.
It is important to check with the financial agent as to the requirements or the PN PVEF.
4) What is a project of economic and financial viability?
The project helps the entrepreneur to gauge their need for resources in time, estimate your income and expenditure, measure their returns and, finally, demonstrate the economic and financial feasibility of the proposed funding in question, the key element in the decision of the bank.
5) What is the documentation required to obtain a financing?
It should be noted the relationship provided by the financial agent. Usually all the legal documentation required (Social Contract, CNPJ, State Registration, License of Operation, Certificates, etc.). As well as technical, economic and financial affairs of the company and its projections.
For the realization of the register of the documentation normally required is:
Legal Person
* Registration of all partners and spouses and proof of payment of the price Cadastral (in some cases).
* CNPJ updated.
* License of Operation.
* Social contract, constitution and minutes of declaration of status or entrepreneur, duly registered in the Commercial Board.
* All contract modifications, additives or minutes of the last increase of capital duly registered in the Commercial Board.
* Minutes of the election of current directors duly registered with the Commercial Board.
* Minutes of other additives or amendments duly registered in the Commercial Board and signed by the partners and a lawyer.
* Amendment of the Declaration of Entrepreneur.
* Balance sheet and statement of income for the year with the meter signatures and administrator (s) of the company, referring to 03 (three) years indicating the last paragraph of the leaves and the log book in which they were transcribed.
* Balance Due Billing and opening the first 12 months (in business development).
* For the sales counter signed by the company relating to the last fiscal year, or the period when the company does not have its first fiscal year closed.
* Receipt for delivery of Declaration of Income Tax exempted undertaking to submit to balance the federal tax, or statement of exemption, as appropriate.
* Authorization for consultation with the central systems and restrictive credit risks of SISBACEN as Annex.
* Scriptures of Real Estate, Certificates of Registration of Vehicle – CRV’s.
For buildings that may be linked to funding, will be required to submit the following documents:
* Scripture properly registered office of the Register of Buildings;
* Certificate of Full Content; Negative certificate of charge (current);
* Certificate fortnight;
* Certificate of discharge of tax rates
* Municipal contributions.
In all documents annexed certified copy or original lead together.
Individual
* Portfolio of Identity and Passport.
* If foreign, ballot Identity of Alien (CIE), issued by the Federal Police (validity check).
* Title of voter and proof of the vote last election.
* If married, the marriage certificate.
* Proof of residence (water, sewer, gas, electricity or telephone, maturing in more than 60 days before the date of its delivery to the bank; rental agreement in force on behalf of registering with any of the accounts, showing that address specified in the contract, invoice or statement of credit card, adequately paid, for the month that is handed to the bank.
* Proof of income of the last salary and can not be there 30 days later.
* Statement of Income Tax (Revenue Service).
* Scriptures of the property.
* Certificates of Registration of Vehicle – CRV’s.
* Authorization for consulting SISBACEN duly signed and dated.
* Proof of payment of the price Cadastral.
For buildings that may be linked to funding, will be required to submit the following documents:
* Scripture properly registered office of the Register of Buildings;
* Negative Certificate of charge (current); half of Full Content Certificate (current);
* Certificate of discharge of tax rates
* Municipal contributions.
In all documents annexed certified copy or original lead together.
6) The bank calls the customer’s certificate of negative rates, even when the company is in deployment?
Yes This is to ascertain whether the business have any pending tax, labor and welfare.