MEI line of credit and dedicated credit cards: credit limit of up to R$20.000

Individual microentrepreneurs (MEIs) have several advantages after formalization. One of them is the National Register of Legal Entities (CNPJ). Once registered, MEI can use some loans and cards exclusive to those with national registration.

 

The idea is to encourage MEI to invest more in its own business. That's why the line of credit is exclusive to this category. In this way, small and micro entrepreneurs can increase their income through loans under more personalized conditions.

Loans and MEI Cards

Financial institutions are more focused on these audiences. It is no surprise to see more and more loan and credit card options that are not available to other people, as they are exclusive to MEI members.

These conditions tend to be more attractive, and with even lower interest rates. Another advantage is the payment term, which may be longer than with other loan lines.

Furthermore, having a CNPJ reduces bureaucracy and facilitates access to MEI credit. For example, credit cards allow businesses to pay in installments.

This gives MEI more options for purchasing equipment and even paying suppliers. Among the loans and cards exclusive to MEI members is the line from the National Bank for Economic and Social Development (BNDES).

The credit value reaches R$20.000. Interest rates are negotiated and do not exceed 4% per month. The service is BNDES Microfinanças. Additionally, digital SIM loans are available for MEI through Caixa Econômica Federal. It's worth up to 3000 reais, but it helps a lot.

A big advantage is that even people with a negative CPF can rent credit to companies. Banco do Povo also offers loans and bank cards to MEI. The idea is to encourage negative entrepreneurs to formalize. Credit limits vary from 100 reais to 5000 reais.

Nubank also offers dedicated lines for CNPJ holders. To find out about them, simply access the digital bank application and see all the conditions.