Everyday credit
Revolving account and credit line
A pre-approved limit to use when you need it, paying interest only on what you draw.
What it is
A line that is approved and sits idle, available to the company. You draw, repay, and the limit is available again.
It is the smart replacement for the bank overdraft: same speed, much lower cost, and no new credit review every time you need it.
When it makes sense
- There is a gap of a few days between paying and getting paid
- The company uses the bank's revolving credit and pays dearly for it
- You want a cushion in place before you need it
How it works
- Sizing the limitI set a line that fits your cash flow.
- Choosing the partnerI compare the maintenance cost and the interest charged on use.
- ApprovalContract signed with the limit available.
- Free useDraw and repay as the cash position requires.
What you will need
- Revenue for the last 12 months
- Balance sheet and income statement
- CNPJ registration certificate (Brazilian company tax ID) and articles of association
The list can change with the institution and the size of the deal. I confirm what is actually required before you gather a single document.
Also in everyday credit
Most requestedWorking capital
Credit in fixed installments so the operation can breathe: stock, payroll, inputs or a cash buffer.
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FGI / PEAC loan
Working capital partially covered by a guarantee fund linked to BNDES, Brazil's national development bank.
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Receivables discounting
Trade invoices, bank slips and card receivables that would only clear months from now become cash today.
Ver o produtoNext step
Tell me where the company stands. The diagnosis is free and takes fifteen minutes.
If there is a deal that makes sense, I build it and compare it. If there is not, I will say so, and you save the time of finding that out alone.