INSTRUCTIONS ON PRESENTING A CONSULTATION LETTER

A consultation letter must be prepared for projects over R$ 1 million reais. This letter must include general information on the company and the project, which is important for preliminary Banco do Nortdeste analysis. Our Customer Service Hotline is available for futher clarification through the toll-free number 0800-783030 or by email at: clienteconsulta@bnb.gov.br

I - Proposal Features

• Date
• Necessary investment
• Own resources
• Expected financing
• Offeror
• CPF / CNPJ (Private individual or Corporate Registration Numbers)
• Proposal Objective/project
• Enterprise location (state and municipality)
• Specification of pre-existing and evolving guarantees

II - The Company

• Corporate Name
• CNPJ (Corporate Registration Number) 
• Address
• Mailing address
• Foudation year
• Economic group
• Capital source
• Capital control (inform names, nationality, CNPJ and CPF of the main shareholders or stockholders who control the company and their participation int the total and voting capital as private individuals in the event that shareholder or stockholder is a legal entity)
• Net assets
• Administration (name, CPF, position held, commencement and expiry date of the current board of directors and the administration council)
• Number of employees
• Contact details (name, position, telephone, fax and email)

III - Company/Group Profile

• Summary of company activities
• Areas of operation
• Main products, services and brands
• Industrial units and their location
• Technology used (inform if own or purchased)
• History of financial data with audited results related to the last three years
• Current debt: amount of collateral pawned or mortgages on existing assets
• Brief summary of marketing data: offer, demand, pricing, distribution strategies, trading system and distribution channels, main competitors and company share in today´s market
• Main suppliers and clients (including the percentage share of purchases and sales)
• Turnover in the domestic and foreign markets during the last 3 (three) balances
• Comparative and competitive advantages
• Cliente/group responsability with Banco do Nordeste
• Information on the corporate group the company belongs to (business areas, main companies, brands and consolidated turnover (last three balances)
• Corporate group net assets
• Banking and commercial references.

      Note: services of accredited agencies for project elaboration are available.

The project

• Clear and concise description of the project (installation, expansion, relocation and/or modernization etc)
• Current stage of technical, socieconomic, financial and environmental studies for the proposed project
• Environmental requirements
• Comparative and competitive advantages
• Main competitors
• Expected market share
• Technological innovations to be incorporated (own or puchased)
• Quality and productivity improvements to be achieved
• Number of jobs: current adn projected
• Goals to be achieved
• Input availability
• Expected installation term (months)
• Other relevant information

Project Sources and Uses

Financial Projections (if available)

• Projected cash flow including the internal Tax Return - TIR

Financing Of Operations and Working Capital

• Financing of sales, merchandise and crops among others
• Short term credit lines for working capital: accounts receivable + stocks + supplier credit.