Credit for MEI and Microempresa: Pronampe and How to Get It

Pronampe is a federal credit program for microempresas (microenterprises), empresas de pequeno porte (small businesses), and MEIs (Microempreendedores Individuais, Individual Microentrepreneurs), contracted through participating banks. To apply, you authorize the Receita Federal to share the company's revenue data with the bank, which reviews the request and decides whether to approve it.

What Pronampe is

The Programa Nacional de Apoio às Microempresas e Empresas de Pequeno Porte (Pronampe, National Support Program for Microenterprises and Small Businesses) was created by Law 13,999/2020 and made permanent by Law 14,161/2021. Law 14,348/2022 included MEIs among the beneficiaries. It serves ME and EPP, whether or not they are in the Simples Nacional, and the transactions are carried out by participating financial institutions.

2026 amounts and terms

According to the Ministério do Empreendedorismo (Ministry of Entrepreneurship), in a note dated May 5, 2026, the program's conditions were expanded for companies with annual revenue of up to R$ 4.8 million:

• Total credit limit: from R$ 250,000 to R$ 500,000.
• Grace period: 24 months.
• Total term: 96 months.

The Receita Federal's page on the program states that credit can reach 30% of the annual gross revenue of the year before the year of contracting. The rules change often, so confirm the amounts and the term with the bank before applying.

Step by step to apply

1. Make sure the CNPJ, the declarations, and the gov.br account (silver or gold level) of the person responsible for the company are up to date.
2. Through the Receita Federal system, authorize the sharing of the company's tax data with the chosen financial institution.
3. Go to a participating bank and request the loan.
4. The bank reviews the request and approves or declines it. The data authorization does not guarantee the credit.
5. Read the contract before signing: amount, term, grace period, interest rate, total cost, and guarantees.

How to compare offers

Pronampe is a program, but each bank sets the conditions within the rules. Ask for the same simulation at more than one institution and compare:

• the interest rate and the CET (Custo Efetivo Total, total effective cost);
• the term and the grace period, and what happens to interest during the grace period;
• required guarantees and possible fees;
• the rules for early payment.

Before signing, calculate whether the installment fits the company's monthly cash flow, including in the months after the grace period ends, when payment of the principal begins. Use the money for the business, such as working capital or investment, and keep the company's accounts separate from personal ones.

Be wary of anyone who charges an upfront fee to release the credit, and always confirm the conditions directly with the bank, through the institution's official channels.

If the debt gets tight

The Desenrola Empresas program, announced in May 2026, serves MEIs, microempresas, and empresas de pequeno porte that took out credit through Pronampe or ProCred 360. It applies to debts contracted through January 31, 2026 that are at least 90 days overdue, and it allows more expensive debts to be swapped for credit with better conditions. Enrollment is through the bank where the transaction was made.

Frequently asked questions

Can an MEI apply for Pronampe?

Yes, since 2022, under Law 14,348/2022.

Do I need collateral?

It depends on the product type and the rules in force. Check the contract and ask the bank what will be required.

Does sharing my data with the bank approve the credit?

No. Sharing is mandatory, but the decision to grant the credit is the bank's.

Read also

• Microempresa (ME): what it is and how to open one
• Accountant: when to hire one and how much it costs for MEI and ME
• Simples Nacional in 2026: how it works, limits, and annexes