Credit bureaus contribute to greater visibility for companies in the financial system. With intensive use of data and technology, they favor more efficient and inclusive credit decisions

Bank credit for Brazilian industry reached R$ 946 billion in 2024, equivalent to 37.4% of the total balance of operations with legal entities in the country, according to data from the Central Bank. The volume is significant and reinforces the role of productive financing as a pillar for the neo-industrialization strategy proposed by the federal government and entities in the sector.

The Strategic Map of Industry 2023-2032, drawn up by the National Confederation of Industry (CNI), proposes increasing the share of industrial credit in GDP from the current 8% (2022) to 17% by 2032. The plan outlines guidelines for strengthening the competitiveness of national industry with a focus on technological innovation, environmental sustainability, digitalization and inclusion in global value chains.

For Elias Sfeir, president of the National Association of Credit Bureaus (ANBC), the credit environment plays an essential role in the sector's progress. “Credit can support productive growth, boost business and increase the economic and social impact of companies on society,” he says.

Small and medium-sized industries have a high potential for transformation and innovation, especially when they have structured financial support. Sfeir points out that it's about producing better, with intelligence, energy efficiency, climate balance and social responsibility. And this requires more than political will: it requires access to the right credit, at the right time, with a well-defined program for the right sectors.

In this context, credit bureaus contribute with greater visibility to strengthening access to credit and expanding growth opportunities for industries. With intensive use of data and technology, they favor the inclusion of legal entities that were previously invisible to credit. “The expansion of credit analysis, with modern tools, makes it possible to leverage business by both taking and offering credit,” says Sfeir.

The New Industry Brazil (NIB) program, set up by the federal government, envisages R$ 300 billion in investments by 2026, with a focus on ecological transition, bioeconomy, digital infrastructure and advanced technologies. Productive credit plays a central role in making the program's objectives feasible.