Atrasos em Desembolso por Verificação de Risco e Garantias BNDES
Definition
Loan claims post-granting require BNDES review of registry, guarantors, and project aspects, delaying funds amid high Accounts Receivable days in earmarked credit.
Key Findings
- Financial Impact: 2-6 months delay per tranche (15-year term SAC) + 33.9% p.p. higher free-market spreads as workaround
- Frequency: Per tranche (execution phase up to 20 years total)
- Root Cause: Manual technical-economic analysis and managing/certifier reports
Why This Matters
The Pitch: Trade & Development firms in Brasil 🇧🇷 lose 2-3 months cash drag per R$10M loan on manual verification. Automation speeds DSCR and warranty checks.
Affected Stakeholders
Gerentes de Crédito BNDES, Bancos Privados, Concessionárias
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Multas por Falhas na NF-e em Desembolsos de Empréstimos Concessional
Riscos de Fraude em Transações Relacionadas (TRP) em Financiamentos BNDES
Multas por Erros na Classificação Tarifária NCM
Demurrage e Custos de Armazenagem por Atrasos Aduaneiros
Apreensão de Mercadorias por Inconsistências Documentais
Perda de Capacidade por Falta de Licenças Pré-Importação
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