For those in need of a loan, the Caixa Tem loan can be a good option. 

It is a type of loan offered by the Caixa Econômica Federal bank, in which it is possible to obtain different limits to take care of your company's finances, with competitive interest rates and an extended payment term.

In this article, we will show you how the Caixa Tem loan works and what are its advantages and disadvantages.

So, are you interested and want to know more about the Caixa Tem loan? Just continue reading and check out more information.

The Caixa Tem loan is a loan aimed at entrepreneurs in individuals and individual micro-entrepreneurs (MEI) who want to improve their business and have more opportunities to scale the reach of their company. 

With the loan amount, you can pay employees' salaries and catch up on payroll, help with day-to-day expenses, pay suppliers, pay water, rent and electricity bills, purchase raw materials, goods for resale, etc.

It is digital 100% and requested directly by the Caixa Tem app. If you do not have an account, you can request it at Caixa agencies. For individuals, the loan is up to R$ 1,000.00, with up to 24 months to pay and rates between 3,99% per month.

Finally, credit for micro-entrepreneurs offers amounts of up to R$ 3,000.00 to expand and improve your business, with personalized rates and no opening fee or credit request, and the installment period is up to 24 installments.

The credit limit value of the Caixa Tem loan, for individuals, is R$ 1,000.00 and for individual micro-entrepreneurs is R$ 3,000.00.

The loan is suitable for people over 18 years old, with a Caixa Tem account or not, who are individual entrepreneurs or individual micro-entrepreneurs.

In addition, beneficiaries of Auxílio Brasil can also apply. Other than that, the site does not specify another target audience for the loan.

The best way to know if a loan is worth it for you is to know its advantages and disadvantages. Below, check out these main points about the Caixa Tem loan.

The Caixa Tem loan offers many benefits to entrepreneurs, such as:

But, as much as the loan has many benefits, it still has some disadvantages, such as:

For those who already have an account at Caixa Tem, the request is made directly through the application. Just open the app, update your registration and make your credit request.

After that, just wait for the credit analysis, and within 10 working days Caixa Tem will get back to you. Upon approval, the money goes straight into your Caixa Tem savings account. 

For those who do not have a Caixa Tem account, they can apply directly to the branches, but the process will be easier and will bring more chances of getting the amount if they open their account for free, directly through the application.

But, if you want to see more information on how to apply for the loan, just click below and check out more details.