First, the Itaú Empresarial loan is a great alternative for companies that need to move their cash flow or need financial help to pay their bills.

So, how about getting to know a little more about this line of credit and assessing whether it meets the financial needs of your business? So let's go!

At first, the Itaú Empresarial loan works as working capital. That is, resources are made available for your company to remain in full operation.

In this sense, your company needs to be a customer of Banco Itaú and you can apply online, through the Itaú Empresas website or app. After the credit analysis, the amount is released into account at the time of hiring.

In addition, you can offer guarantees to the bank, such as financial investments, card receivables, bills, among others. This way, you get a higher threshold value and reduced fees.

So, the loan limit is not fixed and may vary depending on your company's credit analysis. In this sense, Itaú takes into account the financial history, in addition to the payment capacity and the risks of the operation. 

However, checking this limit is simple and can be done through the bank's official website or the Itaú Empresas application. There, it is possible to do a simulation of values and, in this way, you already know the value of the installments and the interest rates.

Undoubtedly, the Itaú Empresarial loan offers several benefits to its customers, but it also has some negative aspects that must be carefully evaluated before taking out the credit line. Meet some of them below.

So, the main positive point of this loan is undoubtedly the agility. That is, you can hire fully digitally through the official website or the app and, after the credit analysis, the money goes directly into your company's account at the time of hiring. 

In addition, Itaú offers payment in up to 54 installments and payment of the first installment can be made within 90 days. Thus, your company has more time to organize finances without worrying about an immediate debt.

Well, we can highlight as a negative aspect the interest rates on this loan. This is because they are less competitive than other lines of credit in the same category on the market, which can weigh you down when hiring.

In addition, the value of the installments is debited directly from the account. That is, it is not possible to suspend or delay payments if your company experiences any unforeseen circumstances.

First of all, your company needs to have an account opened at Banco Itaú. So, all you have to do is access the official website or the application with your agency and account data, go to the “credit” section of the menu, click on “installment loans” and then “simulate and hire”. There, you discover the best working capital option for your company and choose the amount of installments you want. 

But, if you want more details on how to apply for this financial product, continue reading with the recommended content below!