Banco da Amazônia expands working capital loans

Banco da Amazônia structured its credit portfolio to broaden access to working capital for businesses across the Legal Amazon region. The financing options cover micro, small, medium, and large companies, as well as export-focused operations facing local logistics and seasonal economic cycles.

For medium and large corporations, the Giro Amazônia line provides financing for raw materials and inventory buildup, offering terms of up to 60 months with a grace period of up to 120 days. Micro and small enterprises have access to the Amazônia Giro Essencial product, which features automatic credit limits and repayment terms reaching up to 48 months.

For foreign trade, the Amazônia Giro Exportação line covers pre-shipment and post-shipment financing through ACC and ACE mechanisms. The export facility includes an exemption from the IOF tax and offers terms of up to 360 days aligned with foreign currency receipts, serving regional exporters of commodities such as soybeans and beef.

According to Luana Rezende, executive product manager at Banco da Amazônia, the institution pairs credit with financial education to match borrowing with cash flow. The bank distributes these credit lines primarily through its physical branch network across the region while expanding its digital service channels.