Enterprises: Credit Products and Services for Entrepreneurs
The scarcity of credit services for entrepreneurs and the difficulty in having access to those available are a problem faced by many of the micro, small and medium entrepreneurs.
In this sense, Itaú Empresas is a financial product created exclusively to meet these needs. Thinking of expanding your area of expertise or even starting your business?
So in today’s text we will present to you the financial solution that was missing for your business.
Continue reading and understand more about Itaú Empresas and all the facilities it offers. Keep reading until the end!
Do you need a legal account at Itaú Empresas?
Starting a small business or expanding an existing business is a task that demands the application of resources. However, as we have said before, in such cases it is common for entrepreneurs not to have the necessary amount to do so, at least initially.
Managing a business is another point that must be taken into consideration, after all, it is not an easy task for anyone. That said, it is worth noting that the financial sector is the heart of all companies. That is, financial organization is vital to the running of any business.
Besides offering some lines of credit that can be applied in companies, the legal accounts allow a better management of all the accounts of the organization. Still, accounting is another determining factor for the regularization of the enterprise.
After all, not only are profits generated, but there are also expenses that need to be controlled, taxes to be paid, reports and many calculations. Therefore, separating the movements of individuals and legal entities is a crucial procedure to remain legal before the fiscal organs of the country.
That is, individual and legal person should be cared for as two totally different people, even if you are the sole owner of your company. Organizing business accounts, named and identified correctly, is critical to the financial health of your institution.
How to open a business account at Itaú?
The first step is to define the bank to have your current legal account. In general terms, the country’s main banking networks operate in the same way. Therefore, the main factors are not necessarily related to the flag or the basic services of financial institutions.
However, it is essential to be aware of other issues that can make all the difference at the end of a transaction, which can be:
- Interest rates practiced by each institution
- Rates charged for services offered
- Personalized service, location and especially the differentiated products that are offered
Benefits of Itaú for companies?
Itaú Bank customers have several unique benefits and facilities available to optimize their routine.
With mobile applications available for mobile phones, smartphones, tablets and / or computers, it is possible to access the account and various services in a few clicks and at any time of the day, including picking up the Itau personal loan at special rates.
That is, it is much easier to organize and control the company’s finances safely and quickly. In addition, Itaú Empresas offers its customers a series of customizable resources to meet the main demands of each business, according to the needs of the entrepreneur.
How does “Cuenta Certa” work at Itaú Empresas?
Itaú Empresas offers its clients the ” Cuenta Certa “, a package of services that were created exclusively for business accounts. Among the services are, for example, ticketing, transfer of securities to other banks and custody of checks. All this can be hired for a single monthly fee.
When purchasing a package the customer spends less than if he contracted each service separately.
There are currently 4 models of Certa Account , which vary depending on the amount of services offered – and each can fit your business better. It is worth remembering that the services used in addition to the limit available in each package is charged separately.
The more services are hired, the lower the cost of each transaction. And, even if the customer wants to rent a card machine, there is a reduction in the value of the basic packages of the Certa Account.
There are also some relationship programs according to amounts invested and handled in business accounts.
Cuenta Certa 4: for customers who bill up to R $ 25 thousand per month; monthly fee: R $ 77,00
Cuenta Certa 3: customers that bill up to R $ 40 thousand monthly; the monthly fee is R $ 143,00
Certain account 1 and 2: indicated for the clients that bill about $ 80 thousand per month; the monthly fee varies between R $ 283.00 and R $ 420.00.
How to open a business account at Itaú?
To open your account is very simple. You can access the website and fill in some initial data to choose the nearest agency to be serviced. After submitting some information, you will receive an email with the confirmation of the opening request.
The next step is to go to the bank branch that was chosen and present all the documentation required to open the account. Here are the main documents required to open a business account:
- Identification document (RG, CNH or Passport)
- Proof of current address
- Proof of registration in the National Registry of Legal Entities – issued by the Federal Revenue Service
- Copy of the Social Contract – the document must be current (with the last change, if any)
- Proof of company address
- Authorization of legal representative of the company to open account
Advantages and disadvantages of the Itaú Empresas account
Among the advantages of the Itaú Empresas Certa Account we can highlight the payment of a fixed monthly fee to have access to banking services.
If you choose the package that best fits your business needs, the amount paid can be a good investment for the service provided. Not to mention that it is easier to deal with finances when some collection is fixed.
In addition, Itaú Empresas allows even recent or small businesses to modernize.
It is a good opportunity for entrepreneurs who are just starting out and still can not turn big money into their companies’ cashier. This is a way to expand financially.
On the other hand, if you do not know how to properly use the paid services package and have to resort to the extra services, the account at the end of the month can end up going quite expensive.
That is why it is very important that when it comes to hiring the Right Account you choose the most appropriate for the size and profile of your company. This will make it easier to track monthly expenses.
In conclusion, the Itaú Empresas Sure Account is a good option for those who want to put the payments and receipts all in order. If you have a business and do not yet have a legal account, it may be time to review your financial organization and upgrade.
Did you like the tips in our text today? Now that you know how to take off with your company’s finances, how about sharing this content with your friends? So, everyone can learn and grow together!