Acredita Program: R$ 80,000 Loan for CadÚnico Registrants in 2024

The Federal Government launches the Acredita Program to facilitate access to credit, promote entrepreneurship, and reduce inequalities. Find out how to apply for the R$ 80,000 loan available to those enrolled in CadÚnico.

With the aim of fostering economic development, creating jobs, and reducing social disparities, the Federal Government introduces the new program.

This initiative aims to make credit more accessible, especially for small businesses and individual microentrepreneurs (MEIs), encouraging entrepreneurship throughout the country.

Microcredit for Low-Income Entrepreneurs

One of the branches of the Acredita Program is Acredita no Primeiro Passo, intended for those enrolled in CadÚnico.

This project offers the opportunity to obtain up to R$ 80,000 in microcredit, with affordable interest rates, to start or expand businesses and increase family income.

Who Can Apply for the Acredita Loan?

To apply for the program, you must meet the following criteria:

• Be enrolled in CadÚnico;
• Be the family's financial provider;
• Be a MEI.

Additionally, small rural producers participating in the Food Acquisition Program (PAA) are also eligible for Acredita.

Details of the Acredita Program’s Pillars

The Acredita Program is structured around four distinct pillars:

1. Acredita no Primeiro Passo: Offers microcredit to individuals registered with CadÚnico;
2. Acredita no Seu Negócio: Aims to support small businesses, including debt renegotiation and easier access to credit;
3. Acredita no Crédito Imobiliário: Establishes a secondary market for real estate credit transactions;
4. Acredita no Brasil Sustentável: Develops a foreign exchange protection program for sustainable investments, aiming to attract international resources for environmentally responsible projects in Brazil.

This program offers a valuable opportunity for individuals registered with CadÚnico and small entrepreneurs to access credit and boost their businesses.

With a clear focus on promoting economic development and financial inclusion, this initiative has the potential to generate significant positive impacts in communities across the country.

Image: Canva /Editing: Roberta de Oliveira