The force that moves national productivity
Robust solutions for a sector that requires planning, intensive capital, and long term.
Industry is the engine of the economy, but it is also the sector that demands the largest investment volumes and the longest maturation periods. Industrial Credit from Maximo Conceito was developed thinking about the specific pains of the Brazilian industrialist: the need to modernize the factory park to maintain competitiveness, the high cost of energy and raw materials, and the need to expand installed capacity to serve new markets.
Our advisory acts on two main fronts: Long Term Working Capital for operation support and Fixed Investment Financing (Capex). Unlike commerce, industry doesn't turn over its stock in days; it has a complex production cycle. Therefore, our industrial credit solutions focus on offering grace periods that allow the purchased machine to start producing and generating revenue before the company needs to start paying the financing installments.
We serve industries of all segments: metallurgical, textile, food, chemical, pharmaceutical, furniture, and capital goods. If you produce, we have the right credit for you.
The Brazilian industrial park needs to update itself. We finance the import of machines with cutting-edge technology or the purchase of national equipment (FINAME and subsidized lines) to increase your productivity and reduce costs.
We understand the "Ramp-up" of production. We offer a grace period of up to 24 months for fixed investments. You install the machine, train the team, produce, sell, and receive. Only then do you start amortizing the principal.
Special lines for photovoltaic solar energy projects and energy matrix substitution. Reduce your electricity bill, make your factory more sustainable, and pay for the investment with the savings generated.
Financing for the construction of new warehouses, distribution centers, or expansion of the current plant. We accept the land itself or the future construction as part of the operation guarantee.
Specific lines for purchasing raw materials in large volume (commodities, steel, plastic) with extended terms, allowing you to negotiate better prices with your suppliers by paying cash.
Our team also advises on structuring operations that can benefit from regional or sectoral tax incentives, further optimizing your investment return.
Industrial Credit is focused on secondary sector companies seeking solidity and long-term growth. Ideal profile:
Whether you are a metallurgical company in ABC Paulista or an agribusiness in the Midwest, we have the expertise to design the operation your factory needs.
Examples of how our industrial clients use credit:
Replacement of manual lines with robotics and automated systems, reducing labor costs and increasing standardization and quality of the final product.
Installation of solar plant on the factory roof. The financing has smaller installments than the old electricity bill, generating immediate positive cash flow (Cash Positive).
Advance purchase of inputs linked to the dollar or commodities in market downturns, guaranteeing operational margin superior to the competition.
Renewal of own fleet of trucks or forklifts. Reduce maintenance costs and avoid stops in distribution with new and financed equipment.
Yes! Unlike large public banks that focus only on new and national machines, we have partners that finance used and imported machinery, provided they are in good condition and with favorable technical evaluation.
For fixed investment (works and machines), we can reach up to 10 years (120 months). For industrial working capital, we work with averages of 36 to 60 months.
Yes, Fiduciary Alienation of the financed equipment itself is a very common and well-accepted guarantee, which often dispenses with the need to mortgage a company or partner's property.
It is an operation where we buy your industrial property or machinery and rent it back to you. This injects a huge amount of money into the company's cash (referring to the asset value) for you to use as working capital, while maintaining use of the asset.
We support the entire process, from the letter of credit for the exporter abroad to the financing of nationalization taxes here in Brazil, ensuring the asset arrives at your door.
Modernize, expand, and produce more. The capital your industry needs is here.
Talk to Industrial SpecialistWe operate throughout the national territory.