Credit for demi-fine: Sebrae, BNDES Card and working capital

## Why this lesson is here

This is Alexandre. The initial sample set and the first orders in Limeira generally add up to between R$ 8 and R$ 30 thousand. That capital rarely comes entirely from the founder's pocket — and historically the most frequent mistake is covering that gap with personal credit card at 12% to 16% monthly interest. It does not have to be that way. Three dedicated lines exist for this stage, with dramatically lower rates, and most founders ignore them because the access path looks bureaucratic.