CURITIBA (PR) – The search for structured financial resources has become a matter of survival and expansion for the corporate ecosystem of micro and small companies in Brazil. Finding efficient alternatives to keep the business running smoothly is one of the biggest challenges. Faced with a macroeconomic scenario that requires planning, working capital emerges as the true financial heart of companies, being the resource necessary to cover immediate operational expenses, such as salaries, taxes and suppliers. In the national panorama, however, access to traditional corporate credit faces historical bottlenecks that limit the growth of individual microentrepreneurs (MEIs) and small organizations. Recent research carried out by Sebrae reveals that 67% of microentrepreneurs who sought traditional financing lines in the last 12 months had their requests completely denied by financial institutions. The survey shows that only 12% obtained the total amount requested, which means that, out of every 100 entrepreneurs, less than 4 obtain the necessary credit in conventional lines. This scarcity of resources occurs precisely when business maintenance (working capital) and the purchase of raw materials appear at the top of needs, tied with 35% of motivations for seeking credit. The barrier to the occurrence of traditional resources in Brazil is directly linked to the rigidity of processes. Among companies that tried to obtain credit, 42% point to excessive bureaucracy as the biggest obstacle, while 29% are faced with the requirement to prove robust formal income, a natural obstacle for those with variable revenues. By sector, industry is the segment that suffers most from bureaucratic procedures (47%), while commerce is the one that most complains about high interest rates (35%). It is in this scenario of restrictions that the loan secured by property, also called Home Equity, emerges on the market as a highly competitive strategic solution for legal entities. By using a commercial or residential property as collateral for the operation, the risk of default is drastically reduced, allowing significantly lower interest rates to be charged compared to corporate overdrafts or unsecured loans. The modality makes significant progress in the Paraná market precisely because it solves the points where traditional credit fails: it reduces relative bureaucratic complexity and offers greater flexibility for those with seasonal income. Internal data from Banco Bari, a financial institution that is a national reference in Home Equity, prove this corporate adherence in Paraná: of the total number of credit requests with occupancy duly validated by the institution, entrepreneurs already account for a significant 36.7% of the demands. There are currently around 1,065,360 Individual Microentrepreneurs (MEIs) registered in the state of Paraná. The number places the state in fourth place in the national ranking, concentrating approximately 6.6% of all companies opting for SIMEI (System for Collection in Fixed Monthly Values ??of Taxes) in Brazil. Campaign brings entrepreneurs closer to loans with property guarantees It is in this context that Banco Bari launches the "Convoque Seu Imóvel" campaign, an initiative that takes advantage of the World Cup to bring entrepreneurs closer to loans with property guarantees aimed at working capital. The action, like a football team, is assembled with specialists who master each stage of the operation, from evaluation to registration with a notary. The campaign translates the proposal clearly: the property already has accumulated value and is available to be called. Banco Bari, a national reference in Home Equity, is the institution that knows how to operate it in the most efficient way, with competitive rates and a process that respects the customer's time. The property-secured loan allows you to raise up to 60% of the appraised value of the asset paid off. The big difference for the financial health of companies lies in the extended payment period, which can reach 20 years, diluting the impact of installments and preserving the organization's monthly cash flow. Instead of taking on expensive short-term emergency debt, the planned use of real estate assets as a financial asset starts to function as a driver for investment in renovations, physical expansion or inventory, guaranteeing sustainability and breath for corporate management. About Banco Bari With over 31 years of experience and headquartered in Curitiba, Banco Bari is a pioneer in property-secured loans in Brazil. The institution brings together nine companies with complementary skills, allowing the entire credit granting, management and securitization chain to be carried out internally. In addition to its expertise in property-secured loans, Banco Bari offers solutions such as payroll loans, investments and real estate securitization.