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In the world · Entrepreneurship · 8 September 2026

Brazil's Novo Desenrola for small firms has ended: now what?

MP 1,355, which expanded Pronampe to renegotiate debts, expired on 09/08/2026. What it did and what small business owners can do now.

bairogonzalez.com team, drawing on Bairo's story · Published

The part of the Novo Desenrola Brasil debt-relief program aimed at small businesses has ended. Provisional Measure (Medida Provisória, MP) No. 1,355, of May 4, 2026, which had expanded Pronampe to help micro and small businesses restructure their debts, lost effect on September 8, 2026 without being voted on in time, and the Planalto (the presidency's legal portal) marks the text as "vigência encerrada" (no longer in force). For business owners with debt, this does not close every door: Pronampe still exists under its normal rules, direct negotiation with creditors remains possible and Sebrae offers free guidance.

What happened

A provisional measure has the force of law as soon as it is published, but it must be approved by Congress within the constitutional deadline. If it is not, it loses effect. That is what happened to MP 1,355.

While it was in force, Article 20 of the MP amended Law 13,999/2020, the Pronampe law, the credit program for micro and small businesses. The changes were these:

  • a term of up to 96 months to repay, versus 72 before;
  • a grace period of up to 24 months, versus 12;
  • a limit of up to 60% of the company's gross revenue;
  • the possibility of using the credit to pay off other debts;
  • a 90-day tolerance for late payment, versus 14.

One point confused many people. The discounts of up to 90% announced at the launch of Novo Desenrola were for individuals, not for companies. For businesses, relief came through longer and more flexible credit, not debt forgiveness.

After the MP ended, the government issued MP No. 1,393, of September 25, 2026, called Desenrola Brasil 3.0. It is for individuals only. The conditions are on gov.br.

Why it matters

The end of the special rules comes at a delicate moment. Business delinquency hit a record in 2026, and, according to a UBS BB analysis reported by Valor on September 8, the end of the MP is expected to push late payments by small and medium-sized companies even higher.

In practice, those who were waiting to renegotiate under the expanded Pronampe lost that window. Without the MP, the changes it brought no longer apply to new contracts, and the program returns to the rules of Law 13,999/2020. Those who signed contracts while the MP was in force should check with their own bank how their contract stands.

What business owners can do now:

  1. Look for Pronampe under the normal rules. The program remains active, with a limit tied to revenue and an interest ceiling set by the government. Ask your bank and compare the total effective cost.
  2. Negotiate directly with the creditor, in writing. Creditors prefer receiving something to receiving nothing. Bring a proposal that fits the worst month of your cash flow, not the best.
  3. Separate debts owed to the federal government. For federal debts, there are PGFN (the National Treasury Attorney's Office) settlement programs, with their own rules.
  4. Seek out Sebrae. Its guidance is free and helps build a cash flow before taking on a new installment.
  5. Follow gov.br and the Ministry of Entrepreneurship. Federal programs for small businesses open and close throughout the year.

In Bairo's view

For Bairo Leandro Gonzalez Martinez, a public program is welcome help, but it cannot be the plan. He says he went through an investment that did not hold up with fifty people depending on him, and that he learned then that debt does not wait for the next provisional measure.

In his reading, the no from the cash register is one of the most useful, because it comes with a to-do list: renegotiate, cut, sell what is sitting idle and ask for help before the bill grows. Every no is the ground of a yes. The Seventh Attempt Method proposes looking at the problem at its real size and acting in parts. Bairo does not promise an easy way out: he proposes starting with what is within reach today.

Where this meets the ecosystem

CEASA Bank, an agribusiness financial platform, was born from the vision that the small players who move the country's food deserve access to financial services designed for them. CLAIN, an orchestrator of artificial intelligence agents, proposes to help small business owners organize debts, deadlines and cash flow before sitting down to negotiate, always with the decision in a person's hands. These are proposals and vision; they do not replace the bank, the accountant or Sebrae.

Sources

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In the world: Entrepreneurship