The focus is development through social inclusion

Brazil has several characteristics that make it the ideal country for having a full-fledged microfinance sector: a large population, a large number of small enterprises in the low- income sector, informality in economy and a large public who is still on the financial sector margins.

In a complex society like the Brazilian one, with a sophisticated and industrialized production structure, we will not overcome poverty just by betting that the poor population will develop their own businesses. We have production chains that are highly articulated and developed, with little space for domestic output. Although, we have a huge space to expand the financial market to the poorest, integrating them into the economic order.

The public policy of financing the poor population in Brazil is focused on microcredit: financing of autonomous production, in the figures of investment and working capital. It is important to understand that there is a subtle, but fundamental difference: “productive” can have several interpretations, depending on the situation. In a great flood, it is the remedy. For some families, it is their daughters' college education. For others, it is about obtaining survival conditions in emergencies. Also (and mainly), equipment, investments and working capital are financed.

The ideal would be that credit were not only a tool to support productive businesses, but an element for the development of citizens' lives. Our institution believes that a microfinance policy must be focused on the access of the poorest to the financial system, mainly the access to credit. Our products reflect this positioning. It is a paradigm shift in Brazil, but our society would only be benefit from it.


BF AGRO

BF Agro is a financial solution intended exclusively for rural producers, which makes it possible serving those who wish to improve their business, aiming at:
Process improvements, such as:
  -  Management;
  -  Production;
  -  Sales;
  -  Obtaining profit growth;
  -  Expansion and industrialization of its activities.

It is an excellent way to get your ideas off the drawing board and achieve the dream of professionalizing your activity to compete in a much more efficient way in rural producers’ market.
BF Agro has a simplified contracting method and the restriction of being authorized only for application on your property or in elements related to rural
administration.

 


BF HOME

Owning a house is the life goal of most people, but it often becomes a difficult dream to achieve, due to the values involved in buying a property and the difficulty of getting a loan for the purchase of the house.
The solution to this problem is closer than one can imagine, since with the BF Home credit line it is possible to buy a residence and start having the security that your own home itself brings. This is an excellent opportunity to acquire a property witg very favorable conditions and the possibility to, in a short time, pay off your property.

 


BF Agreement

BF Agreement is a program intended specially for companies and employees, which aims to balance their financial life, through the availability of credit lines.
Differentials of these lines are:
   -  Low interest rates;
   -  Higher limit available to the entrepreneur.
Employees are also benefited by hiring BF Agreement, with an increase in the financing term, higher limits, faster credit analysis, among others. BF Agreement is one of many excelent solutions offered by Banco da Família to companies and employees.

 


BF cooperation

Those who invest in their own business are aware of the difficulties that exist when resources are needed to maintain their company’s working capital, fixed or mixed. For this reason, BF cooperation is the best credit option for this audience.
Without resources to make investments and improve the production line, it is very difficult to remain competitive and the risk of terminally compromising your business is quite significant. Therefore, BF Cooperation appears as an excellent option of resources to contribute in your business and strengthen your company capital, allowing the safe growth of the enterprise, with the support of necessary resources in order to keep your operations fully competitive with the market


BF Check Exchange

BF Check Exchange is the best solution for those entrepreneurs who need to anticipate funds, requesting loans using checks as a guarantee.
As the economy handles a significant amount of business transactions using checks and, in some places, they are used as a way to obtain longer payment terms, now it is possible to negotiate the advances of this capital, using the program BF Check Exchange.
It is a great solution for those who have checks waiting for the discount period and who can already anticipate these amounts easily, using BF Check Exchange.

 


BF Solutions

BF Solutions is a great financing alternative for those who need to obtain resources in order to carry out repairs and or acquisitions of assets, such as:
  -  Cars;
  -  Motorcycles;
  -  Furnitures;
  -  Services.
Or for occasional daily expenses, namely:
  -  Weddings;
  -  Graduations;
  -  Fees payment (vehicles and buildings);
  -  Driver’s license, among others.
It is an easily and bureaucracy-free alternative, with adequate values and attractive interest rates and terms.


BF Solar

Environmental preservation is an increasingly urgent concern in the world, a fact that requires commitment to sustainability and investment in renewable or clean energy sources. Furthermore, individuals and companies know that energy costs are quite high and weigh on their budgets. However, technological advances have enabled new forms of energy generation to be available, which are very suitable for those who want to reduce costs and maintain a commitment to the planet’s sustainability.

In this aspect, BF Solar loan solution has come to meet the needs of people and entrepreneurs who want to invest in cheaper and totally clean energy.


BF Health

BF Health is aimed at people who need to take care of their health and do not have the resources to perform:

  -  Medical consultations;
  -  Exams;
  -  Dental treatments;
  -  Elective surgeries;
  -  Births, among other procedures.

This loan is one of the great allies in evaluating your health and preventive care benefits.
BF Health will serve everyone, in an uncomplicated way and totally within budget. It is a great option and has been widely accepted in the market.


BF Sanitation

BF Sanitation is a credit solution which aims to improve the quality of life of people, who would use it to invest in basic health and hygiene conditions.
Designed for purchasing materials to improve water supply and sewage treatment in homes. It is also intended to contribute in expenses related to the capitation and drainage of rainwater, sanitary sewage and construction and renovation of bathrooms.
This is a credit alternative that can radically change the living and health conditions of people who come to hire it. It is safe and with very favorable conditions of accession.




BF Renovation

BF Renovation makes it possible obtaining resources to carry out those repairs or improvements to a property. It also allows the use of a property in the best of its conditions, either for housing or to commercial purposes, with maximum security.
Relying on BF Renovation means speeding up the necessary improvements for a better use of physical spaces, with simple contracting and installment that fits any budget, since its inviting interest rates.


BF Micro-insurance

Ensuring resources for the family in the event of an accident is the concern of a lot of people, who often do not take out insurances because it evolves high costs and they usually are on a low budget. However, BF Micro-insurance changes this perspective, with afordable costs and coverage in cases of death, accidental death, total or partial permanent disability due to an accident and funeral assistance.
The low annual costs of hiring the insurance, are an important differential to attract the public and allows to provide more security and tranquility to the insured families.
BF Micro-insurance; an excellent alternative for those who want to offer support to the family in difficult times.


BF Microcredit

It is intended to be used in enhancement or expansions of formal and informal ventures, fostering the production of these enterprises, with the objective of supporting the country’s economy. With one of the lowest interest rates in the market and less bureaucracy, BF Microcredit is indicated for investments in:

  -  Fixed capital – for purchasing and renovating machinery and equipment;
  -  Working capital – related to the acquisition of goods, raw materials and stock;
  -  Mixed – Involve both working or fixed capital modalities;
  -  Renovation of facilities.
BF Microcredit also covers rural producers.


BF Solidarity Group

Many people wish to achieve dreams or projects with groups of friends, but they do not have the necessary resources to implement these goals.
For these cases, we have BF Solidarity Group, a credit line made according to an agreement of serving groups that have full confidence in their relationships and who can be partners in hiring resources to meet desires.
It is a collective credit that aims to enable the group to achieve goals in a way that it will assist and bring benefits to all of its members.


BF Emergency

BF Emergency is a credit line that aims to restore, at first, the lives of people who have been affected by natural disasters and who do not have the resouces to recover and repair their losses. This loan covers natural accidents in communities affected by:
 -  Windstorms;
 -  Storms;
 -  Fires;
and many other natural phenomena which causes destruction.
Therefore, being able to rely on financial support to rebuild housing and professional activities is important to overcome difficult times.
In places strongly affected by natural disasters, it is important to have this type of solution, so the population would not be caught off guard, in addition to the damage already arising from these accidents.


BF Education

BF Education is an excellent way to achieve the dream of investing in education safely and with great possibilities of recognition in the labour market.
This credit line will make it possible to purchase school supplies and also to maintain your studies in specialization courses in order to continue with your education. With low interest rates and installments that fit in any budget, it is the ideal credit line for qualification.


BF MEI Interest Zero

BF MEI Interest Zero is an excellent cost-benefit loan alternative, as it does not charge interest on its contracting conditions, being exclusively for Individual Microentrepreneurs.
Moreover, it offers a bonus. If all payments are made within the due dates, the contractor is exempt from the last tranche. For small entrepreneurs, this is an excellent alternative for obtaining credit for payments of small expenses and even to be able to invest in stock, in order to improve their productivity and sales.
For entrepreneurs who need immediate financial support, this is an excellent loan alternative.


 

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