O que é uma empresa simples de crédito? Para quem é empreendedor, essa é uma pergunta fundamental para se fazer. Afinal, o crédito é um elemento crucial para garantir o sucesso e o crescimento de qualquer empresa. No entanto, ele vem acompanhado, tradicionalmente, de uma forte burocracia e juros, o que dificulta o acesso para executivos.
Uma ESC (Empresa Simples de Crédito), portanto, pode ser essencial para permitir esse recurso para o seu negócio. Por isso, neste artigo, vamos explicar tudo que você precisa saber sobre o assunto. Continue com a leitura para aprender!
Entenda o que é uma empresa simples de crédito
Uma empresa simples de crédito (também conhecida como ESC) é um tipo de figura jurídica brasileira criada em 24 de abril de 2019, com a sanção da Lei da Empresa Simples de Crédito (ou Lei complementar 167). Trata-se de uma medida criada para um fim de medida simplificadora de acesso ao crédito para empresário.
Mas o que é, na prática, uma empresa simples de crédito? É uma empresa em âmbito municipal ou distrital, que atua exclusivamente nos municípios de sua sede, e, para o caso, no Distrito Federal.
Esse tipo de empresa realiza operações financeiras com recursos próprios. Isso inclui, financiamentos e títulos de crédito.
O objetivo de uma empresa simples de crédito é atender a Microempreendedores Individuais (MEIs) e Micro e Pequenas Empresas (MPEs). Isso porque muitas vezes essa empresa precisa de crédito e não tem condições de execução de tipo a bancos. A ideia, então, é oferecer apoio para estimular o desenvolvimento de pequenas e médias empresas no mercado.
Como é o funcionamento desse tipo de empresa
Para conhecer bem qual é a função de uma ESC, é necessário entender como ela atua na prática. Sendo assim, faz-se crucial a pergunta: como funciona uma empresa simples de crédito?
A atuação desse tipo de empresa é simples e direta. Essa é uma ação de suas vantagens, pois ela pode atuar como uma comissão das instituições financeiras do mercado.
O que ocorre é que um contrato é feito entre ambas as partes, ou seja, a ESC e a empresa que deseja o crédito. Depois que esse contrato for assinado, a ESC deve realizar a transferência do crédito para a conta da empresa. Um ponto importante é que nenhuma operação realizada por uma empresa simples de crédito pode ter valores em espécies.
Por que optar por uma empresa simples de crédito?
Quais são os motivos para contratar uma empresa simples de crédito? Em primeiro lugar, é uma forma de concessão de crédito. Por meio dessas empresas, micro e pequenas empresas têm acesso democratizado ao crédito.
Além disso, lidar com uma ESC ao invés de um banco permite que o devedor tenha uma proximidade maior com o credor. As operações tornam o resultado mais fácil de fazer, o que otimiza o processo.
Peça seu crédito no Z8BANK
Agora que você já sabe o que é uma empresa simples de crédito, é hora de escolher a ideal para lidar com o seu negócio. E o Z8BANK é uma ótima opção.
Trata-se de uma empresa simples de crédito que atua com eficiência e transparência, tendo todas as suas operações registradas e autorizadas pelo Banco Central. O Z8BANK é ideal para quem quer um crédito de forma simples.
E aí, tem interesse? Quer saber mais sobre o assunto? Então não precisa perder tempo. Faça uma visita ao site da empresa e simule o seu empréstimo empresarial!
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