FINAME is a Machinery and Equipment Financing program, the result of a partnership between two large Brazilian companies: Caixa Econômica Federal and the National Bank for Economic and Social Development (BNDES).
BNDES FINAME makes use of BNDES resources to provide financing for the acquisition of new machinery and equipment for your company, including buses and trucks, whatever your size and regardless of your location in the country.
With this BNDES financing modality, you have differentiated conditions and advantages and you can count on Caixa to modernize your business.
The goods to be financed must be registered in the BNDES Computerized Manufacturers Accreditation - CFI, available for consultation on the BNDES website.
It is also possible to finance associated working capital, which can reach up to 30% of the amount financed
What are the Advantages and Benefits of FINAME?
If you already have Caixa financing
- Ease of payment
Finance up to 85% depending on the size of your company and the financed asset.
Finance up to 30% of the financing amount in associated working capital. - Flexibility
Deadline defined according to the need for the Investment. It can reach up to 120 months total term, with up to 24 months grace period. - Constant Amortization System (SAC)
Your installments get smaller with each payment.
How do I hire?
goal
Financing the production and acquisition of domestic machinery and equipment accredited by the BNDES.
Process
In general terms, the simplified financing flow follows the following steps, with some variations, depending on the line:
- Find out about the product
Look for a Caixa branch and ask all your questions about financing and the documents required for hiring. - Wait for the analyzes
A documentation analysis will be carried out and then a credit analysis. If all goes well, the operation will be approved by the BNDES. - Sign the contractual instrument
After BNDES approval, it is time to sign and register the contractual instrument. The document is necessary for Caixa to issue the payment authorization with the product supplier. - release of resources
Once the good is invoiced and the NF/DANFE is presented at a Caixa agency, the Release Request protocol is carried out with the BNDES. As soon as the resources are released, they are transferred directly to the supplier.
Observation: in the case of associated working capital financing, the amount is deposited directly into the customer's account.
Prerequisites
- Becoming a Caixa customer company
- For companies that present revenues for more than 12 months
Conditions
Fundable products:
New domestic machinery and equipment, including trucks and buses listed in the Accreditation of Computerized Manufacturers (CFI), by the BNDES.
Charges
The total interest rate is composed as follows:
TOTAL INTEREST = Financial Cost + BNDES Interest + TIF + Cash Interest + SURCHARGE (When SELIC Cost)
Being:
Financial cost: TJLP, limited to 6% pa – When the TJLP percentage exceeds the limit of 6% pa, the difference is incorporated into the outstanding balance or SELIC.
BNDES interest: 1.5% pa
Financial Intermediation Fee: 0.1%a.a. for Micro and Small Companies and 0.5% pa for Medium-Large and Large Companies.
Caixa interest rate: the Caixa interest rate will be informed and negotiated together with the manager.
IOF in accordance with current legislation.
rates
Hiring and Inspection Fee: is automatically charged upon release of funds, according to parameters contained in the fee table in force at the time of hiring.
Fee for Alteration of Warranties: occurs in operations with fiduciary lien of vehicles, being charged in accordance with the current fee table.
Warranty Registration Fee: Occurs in operations with Fiduciary Mortgage of Vehicles, in states that use the National Encumbrance System. Tariff value according to the current table.
guarantees
Approval of the partners/managers.
Fiduciary alienation of financed assets.
The contracting of BNDES FINAME with FGI guarantee offers even better conditions in terms of rates and term for the client.
* If additional guarantees are required, Caixa accepts all the guarantees provided for in current regulations.
* The assets constituting the guarantee in favor of Caixa must be covered by insurance, depending on the type of asset, throughout the term of the contract.
BNDES FINAME EVENTS
Financing of new, made-to-order machinery and equipment
BNDES FINAME EVENTOS uses BNDES resources to offer financing for the acquisition of new machinery and equipment, made to order, for your company, regardless of its location in the country.
With BNDES financing, you have differentiated conditions and advantages and you can count on Caixa to modernize and expand your business.
The goods to be financed must be registered in the BNDES Computerized Manufacturer Accreditation – CFI, available for consultation on the BNDES website.
This line is aimed at companies with annual revenues from R$ 15 million.
The conditions are identical to those of BNDES FINAME.
service channels
SAC – 0800 726 0101
Service is available 24 hours a day, 7 days a week.
The call can be made by landline and cell phone.
Ombudsman – 0800 725 7474
The service takes place on weekdays, from 09:00 to 18:00.
The call can be made by landline and cell phone.
Telephone
4004 9008 for capitals and metropolitan regions
0800 950 9008 other regions.
Social media
We are also on Facebook.
Google Assistant
Access Caixa through Google Assistant.
Before Hiring
Before making any final decision, it is worth finding out about all the details of each of the hires. Understand the conditions of the bank and existing alternatives. As well as gaining clarity on whether this is really the best time to do so.
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Discover our page financing and loan simulation.
Based on your interest in this subject, Digital Seguro recommends that you also see: BNDES Financing – for businesses of all sizes.
