ANBC reforça importância do crédito consciente e da inovação financeira para ampliar o acesso de pequenos negócios ao financiamento
Presidente da entidade alerta que ampliar a inclusão financeira com responsabilidade é essencial para o desenvolvimento do setor e da economia
O acesso ao crédito ainda é um dos principais desafios enfrentados pelas micro e pequenas empresas no Brasil. Apesar de sua importância para a geração de emprego e renda, muitos empreendedores desconhecem as possibilidades de financiamento disponíveis — como capital de giro, expansão de operações ou organização financeira — e, quando tentam obter crédito, esbarram em barreiras como a falta de garantias e de informações estruturadas.
With a smaller volume of operations and greater effort required in risk analysis, these companies are still given less priority by financial institutions, which tend to concentrate their efforts on large borrowers. However, this scenario has been evolving with the advance of technology and the diversification of credit sources.
Segundo Elias Sfeir, presidente da Associação Nacional das Agências de Crédito (ANBC), o fortalecimento de um ecossistema de crédito mais inclusivo e eficiente passa pelo uso estratégico da informação e da inovação.
“It's essential to ensure that access to credit is expanded and also updated. The financial inclusion of micro and small companies must be accompanied by responsibility, technology and quality data so that credit is sustainable and contributes to business growth, and not to excessive indebtedness,” says Sfeir.
Financial innovation has been a great ally in this process. Fintechs have been democratizing access to credit by reducing operating costs and using data intelligence for more accurate risk analysis. In addition, these platforms integrate other essential services, such as issuing payment slips, anticipating receivables and financial management, optimizing the entrepreneur's day-to-day life.
Another relevant advance is embedded financing, a model in which companies from different sectors incorporate financial solutions into their own services, based on the relationship and history with their customers. This approach makes it possible to offer credit that is more tailored to the reality of those who already consume and interact with these brands - even outside the traditional banking system.
To further strengthen access to credit for small businesses, ANBC advocates the implementation of structuring measures such as:
- Improving credit information systems;
- Strengthening the recovery of guarantees;
- Stimulating competition and innovation in the financial sector;
- Development of alternatives to bank financing, such as the capital market.
Targeted measures, such as guaranteed funds and lines of credit with public support, are also important to mitigate risks and increase the granting of credit to companies that face greater difficulty in accessing it.
According to data from the Central Bank, the balance of credit destined for micro, small and medium-sized enterprises (MSMEs) grew, reaching 45.7% of the total in January 2025, a significant increase on the 34.4% recorded in July 2018.
“It's a clear sign that the innovative policies and innovations of recent years are beginning to produce concrete results. ANBC will continue to work to ensure that this progress is innovative and responsible,” concludes Sfeir.
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