05/13/2024 – 6:40
Starting this Monday, the 13th, banks will begin operating Desenrola Pequenos Negócios. Individual microentrepreneurs (MEIs) and micro and small companies that earn up to R$4.8 million annually can participate.
Companies will be able to renegotiate debts due until January 23rd of this year, by contacting banks through official service channels.
+ ‘Develops for companies’: understand the plan to cut corporate debt
Desenrola Pequenos Negócios is guaranteed by the federal government, along the lines of Desenrola for individuals, which started last year and ends this month. Renegotiation is important so that small entrepreneurs and individual entrepreneurs can obtain resources to maintain their activities.
How to join the program
The microentrepreneur or small business owner must contact the financial institution where they owe the debt. The guideline is to look for available official service channels (agencies, internet or app) and, thus, have access to special conditions for renegotiating these debts.
The conditions and deadlines for renegotiation will be different and it will be up to each financial institution that joins the program to define them.
According to Febraban, only banks registered in the program will offer debt renegotiation conditions. Otherwise, the suggestion is to renegotiate the debt anyway or, then, portability the debt to a registered financial institution.
The recommendation for companies that are going to renegotiate their debts is to seek more information through the official channels of registered banks. “Any renegotiation offers that occur outside of bank platforms should not be accepted. If you are suspicious of any proposal or value, contact the bank on its official channels”, advises Febraban.
Only debts overdue for more than 90 days on the program launch date will be subject to renegotiation. There will be no limits on the amount of debt or maximum delay time.
Tax credit
The Desenrola Pequenos Negócios program offers tax incentives for banks and financial institutions to renegotiate small business debts. Institutions that have joined the program are entitled to a presumptive tax credit. There will be no cost to the government this year because the calculation of presumed credit can be carried out between 2025 and 2029. Through presumed credit, financial institutions have the right to deduct future losses from taxes in any quarter.
According to the Ministry of Finance, the tax credit will be calculated based on the lower value between the gross accounting balance of renegotiated credit operations and the accounting balance of credits arising from temporary differences. Temporary differences are expenses or accounting losses that cannot yet be deducted from Corporate Income Tax (IRPJ) and Social Contribution on Net Profit (CSLL), but which can be used as a tax credit in the future, which is permitted by tax legislation.
The granting of tax credits leverages banks’ capital to grant new loans. This incentive does not generate any expenses for 2024, and in the coming years the maximum estimated cost of tax waivers is very low, in the order of R$1
8 million in 2025, just R$3 million in 2026, and at no cost to the government in 2027.
#Banks #start #Unrolling #MEI #micro #small #companies #find #work