Brazil Launches R$1.4 Billion Microcredit Program and Boosts Entrepreneurial Support in 2025
Brazil's government commits R$1.4 billion to a new microcredit program while Sebrae expands personalized support services for small business entrepreneurs in 2025.
- • Brazilian government launches the Acredita Program allocating R$1.4 billion to microcredit by 2026 focusing on financial inclusion and business support.
- • Banco do Brasil and FCO coordinate the program offering low-interest loans, technical assistance, and training targeting vulnerable groups.
- • Sebrae Aqui units in Limeira and Iracemápolis provided over 6,000 free and personalized services including business registration, credit help, and courses in 2025.
- • Collaboration with local governments and commercial associations strengthens support networks for micro and small entrepreneurs.
Key details
The Brazilian government has unveiled a significant new microcredit initiative aimed at empowering micro and small businesses, dedicating R$1.4 billion to the program by 2026. This effort, known as the Acredita Program, is managed jointly by Banco do Brasil and the Constitutional Fund for Financing the Midwest (FCO), targeting financial inclusion and business formalization
The Acredita Program offers low-interest loans combined with technical guidance, vocational training, and workshops to foster sustainable entrepreneurship. It prioritizes support for vulnerable groups, including families registered in the CadÚnico social registry, women, youth, people with disabilities, and informal business owners seeking formalization. The FCO will allocate about 10% of its R$14 billion budget toward urban and rural microcredit lines, reinforcing local economic development, consumption, and job creation.
In parallel, Sebrae Aqui service units in Limeira and Iracemápolis have delivered over 6,000 personalized and free services to entrepreneurs throughout 2025. These centers assist with business registration, credit access, financial management, and administrative support tailored for microbusinesses, including MEI, ME, and EPP enterprises. Additionally, Sebrae offers workshops, courses, and lectures to further enhance skills and business planning.
Vivian Lourenço, a business analyst at Sebrae-SP, highlighted that the units are open to all entrepreneurs, encouraging them to leverage the resources to grow or formalize their businesses. These efforts are the result of collaboration with local governments and commercial associations, creating a network of support that complements the federal government's microcredit program.
Together, these initiatives symbolize a comprehensive push by Brazilian authorities to transform access to credit into a tool for inclusive economic growth and durable entrepreneurial success across the country.
This article was synthesized and translated from native language sources to provide English-speaking readers with local perspectives.
