Brazil Advances Support for Small Businesses with New Green Credit Platform and Regional Credit Programs
Brazil launches Empreender Clima to grant green credit to small businesses and sees credit access and economic activity rise in key regions.
- • The federal government launched Empreender Clima, a platform to provide green credit to micro and small businesses.
- • Sebrae/PR received national awards for managing the Fampe fund, granting R$ 604 million in credit guarantees across Paraná.
- • The ISM in Rio de Janeiro rose by 3.26% in November, signaling strong small business activity.
- • Francisco Beltrão ranks first in Paraná's Sul region for its business environment, fostering entrepreneurship through local-government collaboration.
Key details
Brazil is intensifying its support for micro and small businesses through significant initiatives aimed at expanding credit access and fostering sustainable economic growth. The federal government launched Empreender Clima, a novel digital platform designed to facilitate micro and small entrepreneurs' access to green credit. This collaborative effort by the Ministry of Entrepreneurship, Sebrae, BNDES, and the Organization of Ibero-American States offers financing for sustainable projects with interest rates starting at 4.4% per year and payment terms up to 25 years, alongside training resources and pre-qualification opportunities for the Fundo Clima.
In Paraná, Sebrae/PR has gained national recognition for its management of the Fundo de Aval às Micro e Pequenas Empresas (Fampe), which has provided R$ 604 million in credit guarantees and supported over 4,300 companies. The state's strategic partnership with Fomento Paraná has facilitated microcredit access in more than 330 municipalities, with the Paraná Juros Baixos program injecting R$ 200 million in low-interest microcredit. Notably, the Acredita Sebrae initiative is projected to reach R$ 30 billion in financing by 2026.
Economic indicators reflect these efforts, particularly in Rio de Janeiro, where the Índice SumUp do Microempreendedor (ISM) recorded a 3.26% increase in November compared to October and a 16.77% rise year-on-year, underscoring the resilience and growth of small businesses amid economic uncertainties.
At the municipal level, Francisco Beltrão in Paraná leads the Sul region in the Índice de Desenvolvimento do Ambiente de Negócios Municipal (Idan M) with a score of 94.74, ranking fifth in the state. The municipality’s success stems from collaborative governance focusing on reducing bureaucracy, enhancing credit access, and promoting entrepreneurship and innovation.
These comprehensive initiatives and positive economic trends reflect Brazil’s commitment to integrating small businesses into the ecological and economic transition, ensuring their vital role in the national economy.
This article was synthesized and translated from native language sources to provide English-speaking readers with local perspectives.
