O que é uma empresa simples de crédito?

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!

O que é uma empresa simples de crédito?
Fonte: Envato

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.

Simulação de Crédito
Fonte: Envato

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.

Entendendo mais sobre uma empresa simples de crédito
Fonte: Freepik

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.

Pode crédito com o Z8BANK

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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