Brazil firms and Goiás municipalities use asset‑backed loans to fund growth

Mid‑size Brazilian manufacturers are increasingly using their warehouses and operational plants as collateral to obtain structured credit. The approach, described by Vinicius Teixeira of GX Capital as “destravamento do ativo travado,” lets firms replace costly unsecured financing—often over 27% annually—with lower‑cost capital secured by real estate assets, without surrendering use of the property. A cited case involved a canning company that swapped short‑term expensive lines for long‑term working‑capital backed by its own plant.

In the state of Goiás, several small and medium municipalities are leveraging the Treasury’s Capag rating to secure large‑scale loans for infrastructure projects. Trindade, Posse and Uruaçu have pending requests, with Trindade seeking a R$100 million loan from Banco do Brasil, guaranteed by the Union, at an interest spread of 1.26% above CDI and a 12‑month grace period. The funds are earmarked for road paving, drainage, park revitalisation and other capital expenses.