{"id":92767,"date":"2022-01-18T11:14:26","date_gmt":"2022-01-18T10:14:26","guid":{"rendered":"https:\/\/smeclimatehub.org\/bancos\/"},"modified":"2025-11-09T14:33:46","modified_gmt":"2025-11-09T13:33:46","slug":"bancos","status":"publish","type":"page","link":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/","title":{"rendered":"Bancos"},"content":{"rendered":"<section id=\"block-6481c233e6d49\"  class=\"hero-section align-content-center bg-image default none\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t<div class=\"text\">\n\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<h1 class=\"wp-block-heading\">Bancos<\/h1>\n\n<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"transparent-link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/financial-support\/\">\n\t\t\t\t\t\t<span class=\"icon\">\n\t\t\t\t\t\t\t<svg width=\"20\" height=\"13\" viewBox=\"0 0 20 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t<path d=\"M19.0909 7.81876H3.10379L6.09737 11.1117C6.4524 11.5022 6.4524 12.1354 6.09737 12.5259C5.91986 12.7211 5.68719 12.8188 5.45452 12.8188C5.22186 12.8188 4.98919 12.7211 4.81173 12.5258L0.266273 7.52583C-0.088758 7.13536 -0.088758 6.50216 0.266273 6.11163L4.81173 1.11162C5.1667 0.721155 5.74234 0.721155 6.09737 1.11162C6.4524 1.50209 6.4524 2.13529 6.09737 2.52582L3.10379 5.81876H19.0909C19.593 5.81876 20 6.2665 20 6.81876C20 7.37103 19.593 7.81876 19.0909 7.81876Z\" fill=\"var(--sme-secondary-text-color)\" \/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tVoltar \u00e0 p\u00e1gina principal de Apoio Financeiro\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<ul class=\"logos\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"112\" height=\"59\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Group-6.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"220\" height=\"57\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Master-logo-lock-ups_CISL-BEI-2.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"60\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/bsr-logo-white-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-image\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1440\" height=\"420\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1.png 1440w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-300x88.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-1024x299.png 1024w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-768x224.png 768w\" sizes=\"(max-width: 1440px) 100vw, 1440px\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<div id=\"block-6481c233e6d86\"  class=\"banner-with-image align-content-top no-image pt-half pb-half\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p class=\"has-text-align-center has-medium-font-size\">Muitos bancos assumiram <a href=\"https:\/\/www.unepfi.org\/net-zero-banking\/members\/\">compromissos<\/a> para atingir emiss\u00f5es l\u00edquidas zero, que incluem suas atividades de financiamento. H\u00e1 uma press\u00e3o crescente da sociedade para que os bancos incorporem as emiss\u00f5es e outras considera\u00e7\u00f5es de sustentabilidade em suas decis\u00f5es de empr\u00e9stimo e investimento. Como resultado, alguns bancos est\u00e3o desenvolvendo programas para apoiar empresas na descarboniza\u00e7\u00e3o, permitindo que voc\u00ea encontre o suporte financeiro adequado.  <\/p>\n\n\n\n<div id=\"block-6482ead45d0b9\"  class=\"grouped-paragraph\">\n\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading has-text-align-center\">Um exemplo de financiamento preferencial<\/h3>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">O Lloyds Banking Group, no Reino Unido, oferece empr\u00e9stimos com desconto para fins ecol\u00f3gicos por meio de sua <a href=\"https:\/\/www.lloydsbank.com\/business\/commercial-banking\/clean-growth-financing-initiative.html\">Iniciativa de Financiamento para Crescimento Limpo<\/a> . Chamado de empr\u00e9stimo verde, este \u00e9 um exemplo do tipo de apoio personalizado que voc\u00ea pode encontrar em sua regi\u00e3o para financiar seus investimentos em neg\u00f3cios sustent\u00e1veis. <\/p>\n\n<\/div><\/div>\n\n\n<div id=\"block-6482ead45d0c8\"  class=\"grouped-paragraph\">\n\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading has-text-align-center\">O que \u00e9 um empr\u00e9stimo verde?<\/h3>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">Os empr\u00e9stimos verdes incentivam investimentos de empresas que tomam medidas para reduzir suas emiss\u00f5es, oferecendo uma taxa de juros reduzida.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">\u00c0 medida que os bancos assumem cada vez mais compromissos com a neutralidade de carbono, incluindo suas atividades de empr\u00e9stimo, e continuamos a observar evid\u00eancias de que empresas sustent\u00e1veis s\u00e3o mais resilientes, a oferta de empr\u00e9stimos verdes e outros produtos banc\u00e1rios tende a aumentar.<\/p>\n\n<\/div><\/div>\n<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<section id=\"block-6481c233e6f2a\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment row pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\t\t\tCom quem devo falar?\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>Em primeiro lugar, entre em contato com seu gerente de relacionamento ou representante local do banco. A pessoa com quem voc\u00ea tem mais contato no banco \u00e9 um bom ponto de partida. Explique o que voc\u00ea busca e as medidas que pretende tomar para reduzir suas emiss\u00f5es. Se essa pessoa n\u00e3o for a mais indicada para ajudar, incentive-a a encontrar um colega que possa.   <\/p>\n\n\n\n<p>Explore os sites dos bancos em busca de ofertas de financiamento verde. Isso pode ajud\u00e1-lo a entender as op\u00e7\u00f5es dispon\u00edveis para o seu neg\u00f3cio e, a partir da\u00ed, iniciar uma conversa com um representante do banco. <\/p>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"472\" height=\"473\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289.png 472w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-300x300.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-150x150.png 150w\" sizes=\"auto, (max-width: 472px) 100vw, 472px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t<a class=\"button bigger\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/how-to-prepare-for-the-conversation-with-potential-sources-of-financial-support\/\">\n\t\t\t\t\t\tComo se preparar para conversas\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block-6481c233e6fb2\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment heading-left column pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tO que voc\u00ea poderia perguntar?\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>O objetivo \u00e9 entender o que o banco oferece e, caso n\u00e3o ofere\u00e7a nada, apontar exemplos de seus concorrentes para perguntar se eles considerariam fazer algo semelhante. Portanto, algumas perguntas-chave a serem feitas incluem: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Voc\u00eas oferecem suporte para empresas que desejam reduzir sua pegada de carbono? Por exemplo: \n<ul class=\"wp-block-list\">\n<li>Ajudar a financiar investimentos em novos ativos ou em mudan\u00e7as operacionais que reduzam a pegada de carbono.<\/li>\n\n\n\n<li>Servi\u00e7os de consultoria que poderiam ajudar a aprimorar o plano de a\u00e7\u00e3o para a redu\u00e7\u00e3o de emiss\u00f5es?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Que informa\u00e7\u00f5es sobre o nosso plano de redu\u00e7\u00e3o de emiss\u00f5es poderiam nos ajudar a obter financiamento em melhores condi\u00e7\u00f5es?<\/li>\n\n\n\n<li>Existe algum tipo de apoio ao capital de giro, como financiamento comercial*, financiamento com garantia de ativos* ou servi\u00e7os de gest\u00e3o de caixa*, que o banco possa oferecer para nos ajudar a liberar recursos para reduzir nossas emiss\u00f5es?<\/li>\n<\/ul>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"996\" height=\"432\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca.webp\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca.webp 996w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca-300x130.webp 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca-768x333.webp 768w\" sizes=\"auto, (max-width: 996px) 100vw, 996px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block-6481ce94cf6da\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment heading-left column pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tExemplo de texto que voc\u00ea pode usar ao entrar em contato com seu banco.\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>\u201cN\u00f3s, da [empresa], somos clientes empresariais do [nome do banco] e gostar\u00edamos de saber mais sobre o apoio que voc\u00eas podem oferecer para reduzirmos nossas emiss\u00f5es e cumprirmos o compromisso que assumimos por meio do SME Climate Hub de atingir emiss\u00f5es l\u00edquidas zero ([link para um comunicado de imprensa sobre o compromisso de emiss\u00f5es l\u00edquidas zero, se houver]).<\/p>\n\n\n\n<p>Estamos cientes de que alguns bancos tamb\u00e9m assumiram o compromisso de atingir emiss\u00f5es l\u00edquidas zero e est\u00e3o oferecendo apoio a empresas, como a nossa, que tamb\u00e9m buscam tomar medidas em rela\u00e7\u00e3o \u00e0s mudan\u00e7as clim\u00e1ticas. Gostar\u00edamos muito de conversar com algu\u00e9m sobre o apoio que voc\u00eas poderiam oferecer. Atualmente, estamos buscando investir em [insira o investimento em redu\u00e7\u00e3o de emiss\u00f5es que voc\u00ea tem maior interesse em investigar]. Gostar\u00edamos de discutir essa e outras oportunidades de investimento que voc\u00eas considerem relevantes com voc\u00eas ou com um membro da sua equipe de finan\u00e7as corporativas de ESG.  <\/p>\n\n\n\n<p><a href=\"https:\/\/smeclimatehub.org\/pt-br\/historias-de-sucesso\/\">Leia sobre empresas que conseguiram obter apoio financeiro.<\/a><\/p>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"920\" height=\"364\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1.png 920w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1-300x119.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1-768x304.png 768w\" sizes=\"auto, (max-width: 920px) 100vw, 920px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block-6481ce94cf7b3\"  class=\"financial-support-section content-block light-bg white heading-center pt-half pb-half\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t<div class=\"heading\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\t\tOutras fontes de apoio financeiro\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"acf-innerblocks-container\">\n\t<div id=\"block-6481ce94cf8ee\"  class=\"blocks\">\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"45\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/customers-buyers-1-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tClientes (compradores)\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/customers-buyers\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/grants-1-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tSubven\u00e7\u00f5es e outras formas de apoio governamental\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/grants-and-other-government-support\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/balanceSheets-investors-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tBalan\u00e7o patrimonial e investidores\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/balance-sheet-and-investors\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n<\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"block-646dd71e01d2b\"  data-target=\"financial_table\" class=\"financial-support-table-section content-block white light-bg heading-center pt-full pb-full\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tFontes potenciais de apoio financeiro \u2013 quadro resumido\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"table-wrapper custom-scroll\">\n\t\t\t\t\t<div class=\"table\">\n\t\t\t\t\t\t<table data-target=\"table\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tParte interessada\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tMotiva\u00e7\u00e3o para fornecer apoio financeiro\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tExemplos de apoio financeiro que pode estar dispon\u00edvel\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tExemplos de pessoas com quem voc\u00ea pode falar para saber se h\u00e1 suporte dispon\u00edvel\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/pt-br\/customers-buyers\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"45\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/customers-buyers-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tClientes (compradores)\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Compromissos clim\u00e1ticos por parte das empresas que incluem a redu\u00e7\u00e3o das emiss\u00f5es da sua cadeia de abastecimento<\/li>\n<li>Melhorar a resili\u00eancia da sua cadeia de abastecimento a novas pol\u00edticas destinadas a evitar as altera\u00e7\u00f5es clim\u00e1ticas ou os impactos negativos das altera\u00e7\u00f5es clim\u00e1ticas<\/li>\n<li>Proteger a cadeia de abastecimento do aumento dos custos associados ao carbono, tais como a energia \u201csujas\u201d<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Melhores condi\u00e7\u00f5es de compra (por exemplo, redu\u00e7\u00e3o do prazo de recebimento, melhorando o capital de giro para pequenas empresas)<\/li>\n<li>Acesso a financiamento preferencial de faturas (por exemplo, empr\u00e9stimo contra pedidos de compra pendentes para obter fundos mais rapidamente)<\/li>\n<li>Aconselhamento e orienta\u00e7\u00e3o<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Representante de compras<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/pt-br\/banks\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"47\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/banks-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tBancos\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Compromissos dos bancos em apoiar os clientes na redu\u00e7\u00e3o das emiss\u00f5es<\/li>\n<li>Reduzir o risco e a pegada de carbono dos empr\u00e9stimos banc\u00e1rios<\/li>\n<li>Fortalecer as rela\u00e7\u00f5es e gerar oportunidades de neg\u00f3cios<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Solu\u00e7\u00f5es de capital de giro, por exemplo, financiamento comercial<\/li>\n<li>Empr\u00e9stimos para investimentos que reduzem as emiss\u00f5es<\/li>\n<li>Calculadoras de emiss\u00f5es e consultoria<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Gerente de relacionamento<\/li>\n<li>Especialista setorial (por exemplo, transporte)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/pt-br\/grants-and-other-government-support\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/grants-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tSubs\u00eddios e outras formas de apoio governamental\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Objetivos locais, nacionais e internacionais para a a\u00e7\u00e3o contra as mudan\u00e7as clim\u00e1ticas<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Subs\u00eddios para incentivar o investimento na redu\u00e7\u00e3o de emiss\u00f5es<\/li>\n<li>Empr\u00e9stimos com descontos concedidos por um banco de desenvolvimento, como o KfW<\/li>\n<li>Acesso a investidores ou outras fontes de financiamento dedicadas \u00e0 a\u00e7\u00e3o clim\u00e1tica<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Contador<\/li>\n<li>Funcion\u00e1rio da empresa do conselho local<\/li>\n<li>Prefeitura local<\/li>\n<li>Banco<\/li>\n<li>ONGs que oferecem apoio financeiro na sua regi\u00e3o<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/pt-br\/balance-sheet-and-investors\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/balanceSheets-investors-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tBalan\u00e7o patrimonial e investidores\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Redu\u00e7\u00e3o das despesas operacionais<\/li>\n<li>Melhoria do posicionamento comercial da empresa (por exemplo, incluindo o alinhamento com as pol\u00edticas de aquisi\u00e7\u00e3o relacionadas com o clima dos compradores)<\/li>\n<li>Objetivos clim\u00e1ticos dos investidores<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Autofinanciamento a partir do balan\u00e7o patrimonial (dinheiro, venda de ativos, etc.)<\/li>\n<li>Novo investimento de acionistas (capital pr\u00f3prio)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Contador<\/li>\n<li>Acionistas atuais<\/li>\n<li>Potenciais investidores<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/table>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t\t<a class=\"button bigger\" download href=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/table.png\">Baixe o resumo da p\u00e1gina.<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1320,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-92767","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<title>Bancos - SME Climate Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancos - SME Climate Hub\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/\" \/>\n<meta property=\"og:site_name\" content=\"SME Climate Hub\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-09T13:33:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2024\/08\/Preview_four.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1124\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/\",\"url\":\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/\",\"name\":\"Bancos - SME Climate Hub\",\"isPartOf\":{\"@id\":\"https:\/\/businessclimatehub.org\/es\/#website\"},\"datePublished\":\"2022-01-18T10:14:26+00:00\",\"dateModified\":\"2025-11-09T13:33:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/smeclimatehub.org\/pt-br\/bancos\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/smeclimatehub.org\/pt-br\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bancos\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessclimatehub.org\/es\/#website\",\"url\":\"https:\/\/businessclimatehub.org\/es\/\",\"name\":\"SME Climate hub\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/businessclimatehub.org\/es\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessclimatehub.org\/es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/businessclimatehub.org\/es\/#organization\",\"name\":\"SME Climate hub\",\"url\":\"https:\/\/businessclimatehub.org\/es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/businessclimatehub.org\/es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2025\/03\/smeLogo-1.png\",\"contentUrl\":\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2025\/03\/smeLogo-1.png\",\"width\":465,\"height\":245,\"caption\":\"SME Climate hub\"},\"image\":{\"@id\":\"https:\/\/businessclimatehub.org\/es\/#\/schema\/logo\/image\/\"}}]}<\/script>","yoast_head_json":{"title":"Bancos - SME Climate Hub","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/","og_locale":"pt_BR","og_type":"article","og_title":"Bancos - SME Climate Hub","og_url":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/","og_site_name":"SME Climate Hub","article_modified_time":"2025-11-09T13:33:46+00:00","og_image":[{"width":2000,"height":1124,"url":"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2024\/08\/Preview_four.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/","url":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/","name":"Bancos - SME Climate Hub","isPartOf":{"@id":"https:\/\/businessclimatehub.org\/es\/#website"},"datePublished":"2022-01-18T10:14:26+00:00","dateModified":"2025-11-09T13:33:46+00:00","breadcrumb":{"@id":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/smeclimatehub.org\/pt-br\/bancos\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/smeclimatehub.org\/pt-br\/bancos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/smeclimatehub.org\/pt-br\/"},{"@type":"ListItem","position":2,"name":"Bancos"}]},{"@type":"WebSite","@id":"https:\/\/businessclimatehub.org\/es\/#website","url":"https:\/\/businessclimatehub.org\/es\/","name":"SME Climate hub","description":"","publisher":{"@id":"https:\/\/businessclimatehub.org\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/businessclimatehub.org\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/businessclimatehub.org\/es\/#organization","name":"SME Climate hub","url":"https:\/\/businessclimatehub.org\/es\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/businessclimatehub.org\/es\/#\/schema\/logo\/image\/","url":"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2025\/03\/smeLogo-1.png","contentUrl":"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2025\/03\/smeLogo-1.png","width":465,"height":245,"caption":"SME Climate hub"},"image":{"@id":"https:\/\/businessclimatehub.org\/es\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/pages\/92767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/users\/1320"}],"replies":[{"embeddable":true,"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/comments?post=92767"}],"version-history":[{"count":0,"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/pages\/92767\/revisions"}],"wp:attachment":[{"href":"https:\/\/smeclimatehub.org\/pt-br\/wp-json\/wp\/v2\/media?parent=92767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}