If you bring initiative, we bring support
Driving your business with security, efficiency, and agility — that is SEMEAR’s role.
We offer customized credit solutions designed to support companies in different stages and industries. Whether to expand, invest, or balance cash flow, we have the right product for your moment.
We help scale and strengthen your business with less bureaucracy, more flexibility, and the full support of a truly committed banking partner.
Working Capital
Grow with consistency
Ensure the financial breathing room your business needs to keep operations healthy.
Whether reinforcing cash flow, acquiring inputs, or investing in inventory, our working capital solutions are designed with flexibility and tailor-made conditions.
Additional advantage:
When contracting, your company gains access to a complete Internet Banking platform — practical and ideal for managing resources.
Highlights:
- Specialized service
- Competitive terms and rates
- Fast approval
- Customized solutions
Receivables Anticipation
Turn future sales into immediate capital
Keep cash flow healthy with total predictability.
We provide tailor-made solutions for companies working with public contracts — especially in the construction sector — with specialized analysis and conditions adapted to the dynamics of these operations.
Need to anticipate a contract? At SEMEAR, anticipation is fast, transparent, and secure.
Plus, you can track receivables and manage finances with full autonomy through our Internet Banking platform.
Highlights:
- Attractive rates
- Advisory service
- Simple, digital process
Bank Guarantee
Guarantees that strengthen your credibility
SEMEAR’s Bank Guarantee ensures compliance with contractual obligations, with flexibility, efficiency, and market credibility.
Highlights:
- Tailored conditions
- Limits aligned with market standards
- Reduced operational risks
Commercial Notes
Smart fundraising with Commercial Notes
Commercial Notes are an efficient alternative for raising funds for structured companies, offering lower costs and agility.
A strategic solution for those seeking funding without giving up autonomy.
Manage raised funds with a complete corporate account.
Highlights:
- Direct market fundraising
- Attractive financial cost
- Simplified process
Reverse Factoring
(Supplier Finance)
Strengthen relationships with suppliers
Reverse Factoring allows SEMEAR to advance payments to your supply chain without compromising your company’s cash flow.
A solution that strengthens your business ecosystem.
Corporate Account included:
With SEMEAR IB, track limits and settlements in real time.
Highlights:
- Support for supply chain
- Reduced default risk
- Stronger supplier relationships
Financing
Invest safely in machinery and equipment
With SEMEAR’s Consumer Credit (CDC), your company can finance essential machinery and equipment for expansion and modernization, with terms and conditions aligned with your production cycle.
Corporate Account included:
Manage financing resources directly in your corporate account.
Highlights:
- Flexible terms
- Tailor-made conditions
- Fast release of funds
Corporate Investments
Invest with intelligence and strategy
At SEMEAR, your company finds investment opportunities aligned with cash management, business profile, and long-term goals.
We offer structured investment products for corporations, with daily updated CDB and LCI tables, supported by a team of specialized advisors ready to guide every decision.
Our focus is to support sustainable growth — whether optimizing surplus capital or providing secure, profitable solutions.
And more: Your investments are covered by the Credit Guarantee Fund (FGC) up to BRL 250,000, as per current regulations.
Integrated Corporate Account:
Manage liquidity and investments in a complete digital platform, with autonomy and total security.
Highlights:
- Daily updated CDB and LCI tables
- FGC guarantee up to BRL 250,000
- Specialized and strategic advisory
- Simple and secure digital platform
O SEMEAR é um banco verdadeiramente parceiro com diversas soluções para alavancar o seu negócio.
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