06/18/2024 – 6:40
Debt renegotiations for micro and small companies (MPEs) and individual microentrepreneurs (MEIs) have already reached R$1.3 billion in financial volume under the Desenrola Pequenos Negócios Program.
The data was compiled on June 12th and represents a 30% increase in renegotiated values compared to the previous survey, carried out on June 4th. The information is from the Brazilian Federation of Banks (Febraban).
+Banks start Unrolling for MEI and micro and small companies; find out how it will work
The current phase of the Desenrola program is aimed at companies and micro-entrepreneurs with revenues of up to R$4.8 million annually. Companies will be able to renegotiate overdue debts until January 23, 2024, by contacting banks through official service channels.
How to participate
Debt renegotiation is done through the financial institution with which the debt was contracted. By choosing to join the program, banks committed to offering more favorable terms and rates.
Debts contracted with companies in the financial sector and not paid by January 23, 2024, are renegotiated. There is no value limit and no maximum delay time.
For those who have debts with banks that did not join the Desenrola program, Febraban recommends trying renegotiation anyway or trying to migrate the debt to another institution.
“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”, warns the institution in a note.
What do banks gain?
By joining the Desenrola program, financial institutions will receive a presumptive tax credit. Its calculation could be carried out between 2025 and 2029.
Therefore, the incentive does not generate new expenses in 2024. In the coming years, the maximum estimated cost of tax waivers is very low, on the order of R$1.
The calculation of the tax credit will take into account 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.
See questions and answers at official page of Desenrola Pequenos Negócios.
#Develops #Small #Business #reaches #billion #renegotiations #participate