Brazilian industrial and small business credit trends

Data from the National Confederation of Industry (CNI) indicates that Brazilian industrial companies have increased their reliance on traditional commercial banks for short- and medium-term financing. Between February and July 2026, 65.3% of industries identified traditional banks as their primary source for credit with terms up to five years, compared to 61% in 2025.

While traditional banks remain the leading source for long-term credit exceeding five years, their share in that category decreased to 49.5% from 51% the previous year. Development banks and equity capital have emerged as significant alternative sources for long-term needs.

In the sector of micro and small enterprises, credit availability has seen notable activity. Banco do Nordeste announced R$ 1.88 billion in available credit to assist these businesses with year-end preparations. Additionally, the Banco de Desenvolvimento de Minas Gerais reported a record R$ 740 million in credit provided to micro and small businesses between January and mid-October, marking a 90% increase over the same period in the previous year.