Fostering innovation is essential for a country's economic development. Developed nations have increasingly allocated resources to the search for innovative solutions, as they realize that this is a way to create new markets, make their companies more competitive and generate economic development.
Brazil invests less than 1% of its GDP in research and development, but, currently, it has been working hard on several fronts, so that companies in the technological sector, which are innovative by their nature, have more and more access to credit. . Development agencies and banks have been looking for new forms of financing to foster national innovative companies.
Fostering an idea / project with attractive rates, so that companies can go to the market and become an innovation, generating competitiveness and economic development, is extremely relevant for a country that wants to be in the global market and have qualified labor.
In 2013, ABES conducted a survey with its associates to understand which were the main lines of funding used. It drew attention that the BNDES Card was considered the most popular promotion line, due to its ease of use, less bureaucracy and because it has been in the market for a longer time.
Now, in 2018, BNDES, as a development bank, brought a novelty to the market: the expansion of the use of the Card by the sector, bringing the possibility of financing, not only the ready-made software developed nationally, but also the provision of the development service. custom software, corporate websites and online stores, among others.
This step is very important for the industry as a whole, as companies with competitiveness problems and absent from the virtual world will be able, through the Card, to increase their products and services with credit facility.
It is important to highlight that companies in the software sector can not only be holders of the BNDES Card, to acquire new products and services for their businesses, but can also become accredited suppliers of software and development services on demand.
The response of the companies, regarding the announcement of the expansion of the Card benefits, was immediate, with a large volume of registrations on the bank's official website - a clear sample of the size of the existing demand and the opportunities on the horizon.
Since its launch in 2003, the BNDES Card (a type of credit card that supports investments by micro, small and medium-sized companies) has benefited the information technology sector, as one of the main lines of credit to finance ready-made software. Approximately R$ 985 million has already been used by micro, small and medium-sized companies through this product, a fundamental measure for the country to have consolidated itself as the main ICT market in Latin America and one of the largest in the world. According to ABES's annual study, carried out jointly with the consultancy IDC, the year 2017 registered an increase of 4.5% in the national market for hardware, software and technology services.
Both the request for the BNDES Card and the accreditation as a Supplier are made directly on the website www.cartaobndes.gov.br, followed by an analysis of the profile of the interested companies and a complete assistance from the BNDES team. In a few weeks, the software development company will be accredited and able to offer this payment alternative to its customers. There is no pre-established amount limit for the financing of the software development service (up to 100% of the provision of services can be subsidized), while the areas of websites and corporate stores make it possible to handle up to R$ 30 thousand per year, per buyer.
More than using resources to finance production, the Card allows transactions that also involve related services - that is, there is the possibility of financing, together with ready-made software, the implementation, customization and training services, for example. The entire regulation (including, also, the possibility of contemplating supplier services) can be consulted in the doubts area of the BNDES Card Portal.
Several businessmen in the sector are already used to taking advantage of these multiple opportunities for their lines of ready-made software. Currently, there are about 2,400 software developers already accredited to make sales on the BNDES Card Portal, which provide approximately 8 thousand software on the Portal, aimed at various sectors, such as Administration, Management and Automation, Agribusiness, Health, Security, Textile, Education, Telecommunications, among others. If they also fit into the new categories of accepted services, companies already accredited will not need a new registration - it will be enough to include the new services in their product catalog.
For new ones interested in being accredited as Suppliers on the BNDES Card website, some criteria must be observed: the developing company must have headquarters and administration in Brazil with, at least, two years of CNPJ registration, have at least one code of classification of economic activity (CNAE) specific to software development and to prove previous experience in providing services that you want to accredit. You must also have your own active website on the Internet, in Portuguese, with information about the company and its services.
Disclaimer: The opinion presented in this article is the responsibility of its author and not of ABES - Brazilian Association of Software Companies.
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