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Products & Services

Financial planning easily and conveniently

Working Capital

Short- to medium-term loan, suitable to meet general cash requirements such as purchase of fixed assets, inventory replacement, provision of services, and other expenses.

The amount is credited to the checking account and the payment can be paid in installments or made in one lump sum at the end of the operation.

 

Benefits

  • The funds are available at the time of contracting.
  • Choose the best payment method.
  • Installment payments.
  • There is no need to report the intended use of the funds.
  • Suitability to the production cycle of the company.

 

Giro CCB

This is working capital formalized through a specific legal instrument, the Bank Credit Certificate (CCB).

 

Giro Flex

This is working capital that has prior formalization represented by an agreement. Guarantees greater ease and less red tape for withdrawals, according to the customer’s need.

 

Interest

Pre-fixed or post-fixed.

 

IOF and Rates

IOF (tax on financial operations) calculated according to current legislation. See our rate table for companies.

 

Available in two modalities: CCB Working Capital and Flex Working Capital

Compror

Short- to medium-term loan, suitable for companies that need fast credit for payment to vendors.

Through this product, we finance the acquisition of goods and services from your company’s vendors, who receive the funds on demand, while payment of the operation can be through term payments or upon maturity.

 

Benefits

Practicality and convenience offered to our customers due to the fact that the payment is made in cash and directly to the vendor, better enabling financial planning and better negotiation conditions with your suppliers.

 

Interest

Pre-fixed or post-fixed.

 

IOF and Rates

IOF (tax on financial operations) calculated according to current legislation. See our rate table for companies.

 

Available in the modalities Compror CCB and Compror Flex

 

Compror CCB

This modality is formalized through a specific legal instrument, the Bank Credit Certificate (CCB).

 

Compror Flex

This is a modality formalized through a specific legal instrument, the Bank Credit Certificate (CCB). This is a modality formalized through an instrument

Subject to credit approval.

Compror CCB

This modality is formalized through a specific legal instrument, the Bank Credit Certificate (CCB).

Compror Flex

This modality has prior formalization represented by an agreement. Guarantees greater ease and less red tape for withdrawals, according to the customer’s need.

Operation subject to credit approval and product conditions.

Resources for urgent cash requirements

Overdraft line

Rotating credit limit to meet urgent credit requirements. It is the best option when the company has any short-term cash mismatches.

 

Benefits

The calculation of interest is made only on the use of the funds available.

 

Interest

Pre-fixed or post-fixed, based on CDI.

 

IOF/Rates

IOF (tax on financial operations) calculated according to current legislation. See our rate table for companies.

Corporate Check

Revolving credit available in the company’s checking account to be used whenever necessary. This is a quick resource to cover expenses and day-to-day business requirements.

 

Benefits

The calculation of interest is made only on the use of the funds available.

 

Interest

Pre-fixed or post-fixed, based on CDI.

 

IOF/Rates

IOF (tax on financial operations) calculated according to current legislation. Click here.

 

 

Operation subject to credit approval and product conditions.

Anticipate receivables from sales on credit/debit cards

Card Receivables

This is the ideal product for retailers who want to use the amounts from their sales through credit cards and debit cards to obtain short-term lines of credit.

It is also possible to use card receivables as collateral in lending operations or prepayments, according to your needs.

Available for companies accredited by Redecard and Cielo and that accept the Visa and MasterCard brands.

 

Benefits

  • Increases the credit limit according to the company’s monthly sales revenue.
  • Agility in obtaining resources.

 

 

This is the ideal product for retailers who want to use the amounts from their sales through credit cards and debit cards to obtain short-term lines of credit.

It is also possible to use card receivables as collateral in lending operations or prepayments, according to your needs.

Available for companies accredited by Redecard and Cielo and that accept the Visa and MasterCard brands.

 

Benefits

  • Increases the credit limit according to the company’s monthly sales revenue.
  • Agility in obtaining resources.

 

 

Operation subject to approval
Operation subject to credit approval and product conditions.

The best options to cover production-cycle and post-harvest expenses

 

CBB Agro

CCB Agro is working capital used for financing activities related to the agribusiness production chain.

 

Benefits

•  Obtainment of funds quickly and securely.

  • Flexible payment methods, with the possibility of adjusting to your company’s cash flow.

Rural product bills (CPR)

It is a negotiable instrument, issued by rural producers, their associations and cooperatives, that finances farm production based on future delivery.

Financial CPR may be issued with fixed price or referenced at future prices.

 

Benefits

• Tax efficiency, allows growers to obtain funds based on future production.

  • Suitability to the company’s production cycle.

Agribusiness credit receivables certificate (CDCA)

This is a nominative credit instrument, issued by cooperatives of rural producers and other companies that process, industrialize or market agricultural products and inputs, or machinery and implements used in farm production.

Issued with credit rights originated from business dealings with producers, associations and cooperatives, mainly the Rural Product Certificate (CPR).

 

Benefits

•  Fiscal efficiency.

  • Suitability to the company’s production cycle.

Rural Credit

Rural credit consists of lines of financing used to cover normal expenses of the production cycles or to finance the sale and delivery of farm products.

Rural producers and cooperatives are the beneficiaries of these operations.

 

Benefits

•  Better rates and tax efficiency compared to regular lending operations.

  • Suitability to the company’s production cycle.

FunCafé

Better rates and tax efficiency compared to regular lending operations.

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Operation subject to credit approval and product conditions.

Anticipate the receipt of your forward sales

Credit

In the Credit Assignment transaction, Banco Votorantim acquires bills of exchange or forward contracts and releases the cash resources for immediate use.

Upon maturity, the respective debtors settle the transaction as indicated by the bank.

 

Benefits:

  • Available in modalities with and without co-obligation of the assignor.
  • A streamlined and secure way of anticipating receivables.
Operation subject to credit approval and product conditions.

Leasing is the option to acquire assets without compromising cash flow

Working Capital

A long-term operation whereby BV Leasing acquires the asset that the company needs and leases it for use during the term of the contract.

An alternative for the financing of new and used goods, both domestic and imported, available in the domestic market.

 

Benefits

  • Use of assets without affecting your company’s cash flow.
  • The disbursement is made in cash and directly to the vendor, allowing for greater negotiation power in the purchase of the asset.

 

Interest

Pre-fixed or post-fixed.

 

Taxes and Tariffs

Services Tax (ISS). See our rate table for companies.

 

The acquisition of goods in this modality is available in two forms:

 

Financial Leasing 

Operation entered into between customer (lessee) and BV Leasing (lessor), in which BV Leasing acquires the good directly from the vendor and leases it to our customer.

 

Leaseback

The customer sells an asset that it owns to BV Leasing, which in turn leases it to the same customer. This can be used as an alternative to obtain working capital.

Operation subject to credit approval and product conditions.

Fast and easy anticipation for receipt of bills of exchange

Bill of Exchange discounting

 

Discounting of Bills of Exchange is an option for companies that need to anticipate receivables from Trade Bills quickly and without excessive red tape.

Indicated for customers who want to anticipate their revenue from forward sales and obtain funds immediately to meet cash requirements.

 

Benefits

  • Anticipation of future resources in a fast and streamlined way.
  • Easy contracting.
  • The operation has immediate settlement.

 

IOF and Rates

IOF (tax on financial operations) calculated according to current legislation. See our rate table for companies.

  

Benefit

  • Possibility of exemption from IOF (tax on financial operations), when the destination of the resource is for proven housing purposes.
Operation subject to credit approval and product conditions.

The best option for your housing and infrastructure projects

Real Estate Credit Bill

A loan for your company that offers greater convenience in the carrying out housing and infrastructure projects.

 

Benefit

  • Possibility of exemption from IOF (tax on financial operations), when the destination of the resource is for proven housing purposes.

 

Operation subject to credit approval and product conditions.