Ouça este artigo
Nubank expands its credit options for micro and small businesses through Nu Empresas, with lines backed by BNDES. The goal is to simplify access to credit and boost cash flow for MEIs and PMEs. The new options cover receivables anticipation and working capital with BNDES backing, helping entrepreneurs invest and grow. Eligibility and limits come after an individual review, and the process is digital. The company highlights a quick funding path after approval and a simpler experience for customers.
- Nubank expands Nu Empresas with new credit lines backed by BNDES for micro and small businesses
- New lines include receivables funding and working capital to boost cash flow and growth
- Eligibility and credit limits are set after individual review for MEIs and PMEs already using Nu Empresas
- Access is simple with a digital process and no need to issue invoices for each receivable
- The program uses guarantees from FGO under PEAC with BNDES to offer better terms and lower risk
Nubank expands credit lines backed by BNDES for micro and small businesses
Nubank announced in May 2026 a broad expansion of its credit offerings for micro and small enterprises through Nu Empresas. The new lines add receivables factoring and working capital with a government-backed guarantee from the BNDES, aimed at strengthening cash flow and boosting investment capacity for these firms. The move targets MEIs and PMEs already using Nu Empresas and seeks to simplify access to credit, a common challenge for Brazilian entrepreneurs.
What the move covers
Two new options are now available. The first, a receivables line, lets a business advance funds on invoices that have been issued but have not yet matured, providing immediate liquidity. The second option is a working capital facility designed to support longer-term payments, with terms extending up to 82 months and a grace period of up to two years. For the working capital line, interest rates start at 1.75% per month. The guarantee comes from the Fundo Garantidor de Operações (FGO) under the PEAC program, intermediated by the BNDES, which reduces the bank’s risk and enables more favorable terms for the borrower. For receivables, the process is designed to be faster and less burdensome, with digital, integrated analysis that does not require invoicing for every operation.
Eligibility and terms
The new credit lines are aimed at microentrepreneurs (MEIs) and small companies that are already clients of Nu Empresas. Eligibility and credit limits are determined after an individual assessment, ensuring terms reflect each business’s situation. Nubank emphasizes a streamlined approach to approve credit quickly, where possible.
Conclusion
Nubank’s expansion of Nu Empresas with BNDES-backed lines for receivables and working capital marks a meaningful advance for microentrepreneurs and small businesses. The program leverages the PEAC framework and the FGO guarantee to improve liquidity, enable faster investment, and reduce risk for lenders. For MEIs and PMEs already using Nu Empresas, eligibility and credit limits are set after an individual review, ensuring terms fit each business’s reality. The digital process and features such as no per-invoice requirements and fast funding (up to 24 hours for working capital) deliver a smoother experience and quicker access to capital. Terms are favorable, with repayment up to 82 months and a possible two-year grace period, starting at 1.75% monthly interest.
By expanding its credit toolkit, Nubank reinforces its role as a flexible, customer-centric platform that supports growth and resilience in Brazil’s small-business landscape.
Frequently asked questions
- What new credit lines does Nubank offer with BNDES guarantee?
Nubank now offers two new lines: antecipação de recebíveis (receivables advance) and capital de giro (working capital) with a BNDES guarantee under the PEAC program. They’re for micro and small businesses already using Nu Empresas.
- Who can access these lines?
MEIs and PMEs that are Nu Empresas clients. Eligibility and credit limits are set after an individual review.
- How fast is the money after approval?
For capital de giro, funds can be released in up to 24 hours after approval. For antecipação de recebíveis, funds come faster as needed. No invoices are required per operation; the analysis is digital.
- What are the key terms of the capital de giro line?
Repayment can stretch up to 82 months with a grace period up to two years. Interest starts at 1.75% per month. It’s backed by the FGO under PEAC, via BNDES.
- How do I access and stay informed about new benefits?
Access through Nu Empresas. The process is simplified and no invoices are needed for antecipação. Join Nubank’s WhatsApp community for alerts on benefits and opportunities.