Current File : /home/mak/mail/new/1709633280.M151638P16216.cloud.berardocollection.com,S=63719,W=64646
Return-Path: <noreply@marketing.raize.pt>
Delivered-To: mak@cloud.berardocollection.com
Received: from cloud.berardocollection.com
	by cloud.berardocollection.com with LMTP
	id RJTcCADv5mVYPwAAuY/3dA
	(envelope-from <noreply@marketing.raize.pt>)
	for <mak@cloud.berardocollection.com>; Tue, 05 Mar 2024 10:08:00 +0000
Return-path: <noreply@marketing.raize.pt>
Envelope-to: geral@mak.pt
Delivery-date: Tue, 05 Mar 2024 10:08:00 +0000
Received: from marketing.raize.pt ([77.32.201.108]:14170)
	by cloud.berardocollection.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256
	(Exim 4.96.2)
	(envelope-from <noreply@marketing.raize.pt>)
	id 1rhRiD-0004DJ-3D
	for geral@mak.pt;
	Tue, 05 Mar 2024 10:08:00 +0000
DKIM-Signature: a=rsa-sha256; bh=5TkBy2OpD3YW6mft/fsPqugnUtS4el8sLB4ypUqxV8A=;
 c=relaxed/relaxed; d=marketing.raize.pt;
 h=to:cc:from:reply-to:subject:date:mime-version:content-type:list-id:list-unsubscribe:x-csa-complaints:list-unsubscribe-post:message-id:sender:x-sib-id:x-mailin-client:x-mailin-campaign:feedback-id;
 q=dns/txt; s=mail; t=1709633272; v=1;
 b=QgbEqVD9JhyaK22gKy+qMPyMLCaR/JmXv8qTxjMFZ7/GGWv3R2fLVqHa+H+0R0Te1rxsvxQo
 XE7jzn3p2uM37ooxORIIvm9B0+lUC3j+uBXzc3Z5QGNoNdDVrRjBb59mThuSufdBkBC4TE1jX5+
 LjxInCTCK8E3pZlaQQxuUiik=
To: =?utf-8?q?Caro_Empres=C3=A1rio?= <geral@mak.pt>
Subject: =?utf-8?q?N=C3=A3o_fique_=C3=A0_espera_do_banco._Diversifique_as_fontes_d?= =?utf-8?q?e_financiamento_da_sua_empresa._?=
Content-Type: multipart/alternative; boundary="-------?=_23541-3869157903179"
Date: Tue, 05 Mar 2024 10:07:52 +0000
Feedback-ID: 77.32.201.108:2557813_358:2557813:Sendinblue
From: Raize <marketing@raize.pt>
List-Id: MjU1NzgxMy0xMjM3MjE3LTQ= <MjU1NzgxMy0xMjM3MjE3LTQ=.list-id.marketing.raize.pt>
List-Unsubscribe: <mailto:unsubscribe@marketing.raize.pt?subject=unsub-26621ao8kmsoxrj&body=26621ao8kmsoxrj>,<https://list-unsubscribe.me/mk/un/li/sh/WCPxRrWByckTjaLxqO6ysHxyXRtcVoAs/r_2IbqacPxAl>
List-Unsubscribe-Post: List-Unsubscribe=One-Click
MIME-Version: 1.0
Message-Id: <202405031007.26621ao8kmsoxrj@marketing.raize.pt>
Precedence: bulk
Reply-To: <geral@raize.pt>
X-Csa-Complaints: csa-complaints@eco.de
X-Mailer: Sendinblue
X-Mailin-Campaign: 358
X-Mailin-Client: 2557813
X-sib-id: KXiVE4cqI9OSabXD-kw0XZmjEra6J6Z__bQlZOhGF5FE1QBLe1BL2lmCZQnLjP_KPtIBxqZPhamkMR67tC2ChELO9qtqHOzDQcdxwMM0HMaWo_PCeFC-O4yuHmQ0kWdVuUdL6olkybnurufjZIp0kRw9UUbHx3DTFqz5xmaj9-sATIoAEjDMjpc2w4IFlFUsMszNzEOryRLpameL4J6pRbDa
X-Spam-Status: No, score=-2.9
X-Spam-Score: -28
X-Spam-Bar: --
X-Ham-Report: Spam detection software, running on the system "cloud.berardocollection.com",
 has NOT identified this incoming email as spam.  The original
 message has been attached to this so you can view it or label
 similar future email.  If you have any questions, see
 root\@localhost for details.
 Content preview:  **"** ===== **Bancos investem cada vez menos nas micro e pequenas
    empresas."** ==================================================================
    **O montante de novos empréstimos às PME atingiu em 2023 o valor [...] 
 Content analysis details:   (-2.9 points, 5.0 required)
  pts rule name              description
 ---- ---------------------- --------------------------------------------------
  0.0 URIBL_BLOCKED          ADMINISTRATOR NOTICE: The query to URIBL was
                             blocked.  See
                             http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block
                              for more information.
                             [URIs: raize.pt]
  0.0 URIBL_DBL_BLOCKED      ADMINISTRATOR NOTICE: The query to
                             dbl.spamhaus.org was blocked. See
                             https://www.spamhaus.org/returnc/vol/
                             [URIs: raize.pt]
 -1.9 BAYES_00               BODY: Bayes spam probability is 0 to 1%
                             [score: 0.0000]
 -0.0 SPF_HELO_PASS          SPF: HELO matches SPF record
 -0.0 SPF_PASS               SPF: sender matches SPF record
  0.0 HTML_MESSAGE           BODY: HTML included in message
 -0.1 DKIM_VALID             Message has at least one valid DKIM or DK signature
  0.1 DKIM_SIGNED            Message has a DKIM or DK signature, not necessarily
                             valid
 -0.0 T_SCC_BODY_TEXT_LINE   No description available.
  0.0 T_KAM_HTML_FONT_INVALID Test for Invalidly Named or Formatted
                             Colors in HTML
 -1.0 MAILING_LIST_MULTI     Multiple indicators imply a widely-seen list
                             manager
X-Spam-Flag: NO

---------?=_23541-3869157903179
Content-Transfer-Encoding: quoted-printable
Content-Type: text/plain; charset=UTF-8

**"**
=3D=3D=3D=3D=3D

**Bancos investem cada vez menos nas micro e pequenas empresas."**
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
**O montante de novos empr=C3=A9stimos =C3=A0s PME atingiu em 2023 o valor =
mais baixo de sempre. Com o acesso banc=C3=A1rio mais restrito, as condi=C3=
=A7=C3=B5es desfavor=C3=A1veis e os apoios p=C3=BAblicos insuficientes =C3=
=A9 preciso estimular o investimento privado e diversificar as fontes de fi=
nanciamento. A Raize pode ser uma excelente forma de o fazer.**

=C2=A0

**"Bancos investem cada vez menos nas micro empresas portuguesas (e s=C3=B3=
 para curto-prazo)".**

Devido =C3=A0 dificuldade de autofinanciamento as PME t=C3=AAm necessidade =
de obter financiamento externo, o que nem sempre =C3=A9 f=C3=A1cil. Segundo=
 dados do Banco de Portugal, o novo cr=C3=A9dito banc=C3=A1rio para as PME =
atingiu em 2023 o valor mais baixo desde que h=C3=A1 mem=C3=B3ria estat=C3=
=ADstica. A dificuldade de acesso a financiamento bem como as atuais condi=
=C3=A7=C3=B5es desfavor=C3=A1veis s=C3=A3o algumas das raz=C3=B5es apontada=
s pelas micro e pequenas empresas para as dificuldades em investir no atual=
 ciclo econ=C3=B3mico.

=C2=A0

=C2=A0

Os dados do Banco de Portugal indicam ainda que a maioria das PME nacionais=
 apenas tem acesso a financiamento de curto-prazo, nomeadamente contas corr=
entes, livran=C3=A7as ou contas de cheques pr=C3=A9-datados/factoring. Este=
 foco no curto-prazo tem um efeito prejudicial nos novos investimentos e no=
 crescimento da economia - em particular das empresas mais pequenas. Em 202=
3, apenas=C2=A0**8%**=C2=A0dos novos empr=C3=A9stimos a PME foi com um praz=
o superior a 1 ano (ou seja, adequados para a realiza=C3=A7=C3=A3o de inves=
timentos).

=C2=A0

**Raize. Financiamento sustent=C3=A1vel de m=C3=A9dio/longo-prazo e taxas f=
ixas.**

A tend=C3=AAncia de subia das taxas de juro leva as empresas a terem mais c=
uidado antes de contra=C3=ADrem um empr=C3=A9stimo. Uma das caracter=C3=ADs=
ticas chave do financiamento Raize =C3=A9 a sua oferta de=C2=A0taxa fixa=C2=
=A0e o seu foco no "m=C3=A9dio/longo-prazo". Isto significa que quase todos=
 os financiamentos t=C3=AAm prazos superiores a 3 anos para ajudar os empre=
s=C3=A1rios a investir de forma sustent=C3=A1vel na sua atividade (e sem pr=
ess=C3=B5es de curto-prazo ou vari=C3=A7=C3=B5es na presta=C3=A7=C3=A3o). A=
trav=C3=A9s da Raize, as empresas podem obter financiamento de m=C3=A9dio-l=
ongo/prazo para apoiar a tesouraria e investimentos, com taxas fixas e cust=
os muito competitivos.

=C2=A0

**Tenho vantagens em fazer uma consulta gratuita com a Raize?**

Sim. Quantos mais financiadores tiver, mais flexibilidade e seguran=C3=A7a =
dar=C3=A1 =C3=A0 sua empresa. A Raize desempenha hoje um papel importante d=
e facilitar o acesso das PME a financimento. A rapidez do processo e a simp=
licidade de acesso s=C3=A3o as principais vantagens. E se n=C3=A3o gostar d=
a nossa proposta n=C3=A3o tem problema. O estudo da Raize =C3=A9=C2=A0gratu=
ito e sem compromisso.
Por isso, se procura meios financeiros para poder investir na sua empresa, =
n=C3=A3o hesite em contactar-nos.

=C2=A0

**Diversifique as suas fontes de financiamento. N=C3=A3o fique =C3=A0 esper=
a do banco.**

Aceda a****[**www.raize.pt**](https://www.raize.pt/empresas/financiamento-c=
redito?utm_source=3DSendinBlue&utm_medium=3DEmail&utm_campaign=3DEmailMarke=
ting) ou entre em contacto connosco atrav=C3=A9s do email [**risco@raize.pt=
**](mailto:risco@raize.pt)=C2=A0para para mais informa=C3=A7=C3=B5es=C2=A0s=
obre as linhas de financiamento da Raize. Comece agora mesmo uma=C2=A0consu=
lta gratuita=C2=A0e=C2=A0sem compromisso.=C2=A0
=C2=A0

Equipa Raize
=C2=A0

---
Financiamento sujeito a an=C3=A1lise. A Raize =C3=A9 um dos financiadores d=
e refer=C3=AAncia das PME em Portugal. A Raizecrowd, Lda =C3=A9 uma entidad=
e autorizada e supervisionada pela CMVM. A Raize - Institui=C3=A7=C3=A3o de=
 Pagamentos, S.A., Sociedade Aberta, =C3=A9 uma institui=C3=A7=C3=A3o de pa=
gamentos autorizada e supervisionada pelo Banco de Portugal.


[ **COME=C3=87AR PROCESSO DE ESTUDO**(gratuito e sem compromisso)](https://=
www.raize.pt/empresas/financiamento-credito?utm_source=3DSendinBlue&utm_med=
ium=3DEmail&utm_campaign=3DEmailMarketing)


**Empresas distinguem a Raize pelo seu servi=C3=A7o de financiamento.**
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D

=C2=A0


=C2=A0

A Raize foi distinguida pela CNBC e pela Statista, como uma das melhores Fi=
ntech a n=C3=ADvel mundial no "World's Top FinTech Companies".=C2=A0

A par desta distin=C3=A7=C3=A3o que muito nos orgulha, a Raize foi ainda el=
eita "Marca N=C2=BA1 na Escolha dos Profissionais" e distinguida com o "Pr=
=C3=A9mio Cinco Estrelas" pelo 5=C2=BA ano consecutivo, na categoria Cr=C3=
=A9dito a Empresas.

Estes pr=C3=A9mios refletem o elevado grau de satisfa=C3=A7=C3=A3o das empr=
esas com a Raize, e refor=C3=A7a a sua posi=C3=A7=C3=A3o como um dos financ=
iadores de refer=C3=AAncia das PME em Portugal.

=C2=A0

Raize
Rua Tierno Galvan - Amoreiras
Torre 3, 17=C2=BA piso
1070-274 Lisboa, Portugal
[geral@raize.pt](mailto:geral@raize.pt)


Esta comunica=C3=A7=C3=A3o =C3=A9 dirigida exclusivamente =C3=A0 Sociedade.=
 Quaisquer informa=C3=A7=C3=B5es sobre pessoas que n=C3=A3o a referida Soci=
edade resultam da rela=C3=A7=C3=A3o com a atividade empresarial e profissio=
nal e devem ser utilizadas exclusivamente por refer=C3=AAncia =C3=A0 Socied=
ade.


[Retirar-me da lista](http://r.marketing.raize.pt/mk/un/v2/sh/WCPxRrWByckTj=
aLxqO6ysHxyXRtcVoAs/RKgZfJt7FeZt)


=C2=A9 2024 Raize, Todos os direitos reservados.


[**Site**](https://www.raize.pt/empresas/financiamento-credito?utm_source=
=3Dsendinblue&utm_medium=3Demail&utm_campaign=3DCampanha_192_30032021)

[**Centro de Apoio**](https://info.raize.pt/questoes-frequentes-faq/?utm_so=
urce=3Dsendinblue&utm_campaign=3DCampanha_192_30032021&utm_medium=3Demail)

[**Blog**](https://blog.raize.pt/?utm_source=3Dsendinblue&utm_campaign=3DCa=
mpanha_192_30032021&utm_medium=3Demail)


---------?=_23541-3869157903179
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset=UTF-8

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org=
/TR/xhtml1/DTD/xhtml1-strict.dtd"> <html xmlns=3D"http://www.w3.org/1999/xh=
tml" xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-micro=
soft-com:office:office"><head><meta http-equiv=3D"Content-Type" content=3D"=
text/html; charset=3Dutf-8"><meta http-equiv=3D"X-UA-Compatible" content=3D=
"IE=3Dedge"><meta name=3D"format-detection" content=3D"telephone=3Dno"><met=
a name=3D"viewport" content=3D"width=3Ddevice-width, initial-scale=3D1.0"><=
title>N=C3=A3o fique =C3=A0 espera do banco. Diversifique as fontes de fina=
nciamento da sua empresa. </title><style type=3D"text/css" emogrify=3D"no">=
#outlook a{padding:0;}.ExternalClass{width:100%;}.ExternalClass, .ExternalC=
lass p, .ExternalClass span, .ExternalClass font, .ExternalClass td, .Exter=
nalClass div{line-height:100%;}table td{border-collapse:collapse;mso-line-h=
eight-rule:exactly;}.editable.image{font-size:0 !important;line-height:0 !i=
mportant;}.nl2go_preheader{display:none !important;mso-hide:all !important;=
mso-line-height-rule:exactly;visibility:hidden !important;line-height:0px !=
important;font-size:0px !important;}body{width:100% !important;-webkit-text=
-size-adjust:100%;-ms-text-size-adjust:100%;margin:0;padding:0;}img{outline=
:none;text-decoration:none;-ms-interpolation-mode:bicubic;}a img{border:non=
e;}table{border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt=
;}th{font-weight:normal;text-align:left;}*[class=3D"gmail-fix"]{display:non=
e !important;}</style><style type=3D"text/css" emogrify=3D"no"> @media (max=
-width:600px){.gmx-killpill{content:' \03D1'}}</style><style type=3D"text/c=
ss" emogrify=3D"no">@media (max-width:600px){.gmx-killpill{content:' \03D1'=
}.r0-o{border-style:solid !important;margin:0 auto 0 auto !important;width:=
320px !important}.r1-i{background-color:#ffffff !important}.r2-c{box-sizing=
:border-box !important;text-align:center !important;valign:top !important;w=
idth:100% !important}.r3-o{border-style:solid !important;margin:0 auto 0 au=
to !important;margin-bottom:20px !important;width:100% !important}.r4-i{bac=
kground-color:#ffffff !important;padding-bottom:20px !important;padding-lef=
t:15px !important;padding-right:15px !important;padding-top:20px !important=
}.r5-c{box-sizing:border-box !important;display:block !important;valign:top=
 !important;width:100% !important}.r6-o{border-style:solid !important;width=
:100% !important}.r7-i{padding-left:0px !important;padding-right:0px !impor=
tant}.r8-c{box-sizing:border-box !important;text-align:center !important;va=
lign:top !important;width:200px !important}.r9-o{border-style:solid !import=
ant;margin:0 auto 0 auto !important;width:200px !important}.r10-i{padding-b=
ottom:0px !important;padding-top:0px !important}.r11-o{border-style:solid !=
important;margin:0 auto 0 auto !important;width:100% !important}.r12-i{back=
ground-color:#ffffff !important;padding-bottom:0px !important;padding-left:=
15px !important;padding-right:15px !important;padding-top:0px !important}.r=
13-c{box-sizing:border-box !important;padding-bottom:10px !important;paddin=
g-top:10px !important;text-align:left !important;valign:top !important;widt=
h:100% !important}.r14-i{background-color:#ffffff !important;padding-bottom=
:0px !important;padding-left:15px !important;padding-right:15px !important;=
padding-top:5px !important}.r15-i{background-color:#ffffff !important;paddi=
ng-bottom:20px !important;padding-left:15px !important;padding-right:15px !=
important;padding-top:0px !important}.r16-o{border-style:solid !important;m=
argin:0 auto 0 0 !important;width:100% !important}.r17-i{text-align:left !i=
mportant}.r18-o{background-size:auto !important;border-style:solid !importa=
nt;margin:0 auto 0 auto !important;width:100% !important}.r19-i{padding-bot=
tom:15px !important;padding-top:15px !important}.r20-o{border-style:solid !=
important;margin:0 auto 0 auto !important;margin-bottom:1px !important;widt=
h:100% !important}.r21-i{text-align:center !important}.r22-r{background-col=
or:#ffcc00 !important;border-bottom-color:#ffcc00 !important;border-bottom-=
width:20px !important;border-color:#ffcc00 !important;border-left-color:#ff=
cc00 !important;border-left-width:20px !important;border-radius:10px !impor=
tant;border-right-color:#ffcc00 !important;border-right-width:20px !importa=
nt;border-top-color:#ffcc00 !important;border-top-width:20px !important;bor=
der-width:15px !important;box-sizing:border-box;height:initial !important;p=
adding-left:5px !important;padding-right:5px !important;text-align:center !=
important;width:100% !important}.r23-o{border-style:solid !important;margin=
-bottom:0px !important;margin-top:0px !important;width:100% !important}.r24=
-i{background-color:#fff4ce !important;padding-left:0px !important;padding-=
right:0px !important}.r25-c{box-sizing:border-box !important;text-align:lef=
t !important;valign:top !important;width:100% !important}.r26-o{border-styl=
e:solid !important;margin:0 auto 0 0 !important;margin-bottom:0px !importan=
t;margin-top:0px !important;width:100% !important}.r27-i{background-color:#=
fff4ce !important;padding-bottom:0px !important;padding-top:15px !important=
;text-align:center !important}.r28-c{box-sizing:border-box !important;paddi=
ng-bottom:0px !important;padding-left:0px !important;padding-right:0px !imp=
ortant;padding-top:0px !important;text-align:center !important;valign:top !=
important;width:100% !important}.r29-c{background-color:#fff4ce !important;=
box-sizing:border-box !important;padding-bottom:0px !important;padding-top:=
15px !important;text-align:left !important;valign:top !important;width:100%=
 !important}.r30-i{background-color:transparent !important}.r31-c{box-sizin=
g:border-box !important;padding-bottom:20px !important;padding-left:20px !i=
mportant;padding-right:20px !important;text-align:center !important;valign:=
top !important;width:100% !important}.r32-c{box-sizing:border-box !importan=
t;text-align:center !important;width:100% !important}.r33-i{font-size:0px !=
important;padding-bottom:2px !important;padding-left:85px !important;paddin=
g-right:85px !important}.r34-c{box-sizing:border-box !important;width:32px =
!important}.r35-o{border-style:solid !important;margin-right:8px !important=
;width:32px !important}.r36-i{padding-bottom:5px !important;padding-top:5px=
 !important}.r37-o{border-style:solid !important;margin-right:0px !importan=
t;width:32px !important}.r38-i{background-color:#ffffff !important;padding-=
bottom:0px !important;padding-left:15px !important;padding-right:15px !impo=
rtant;padding-top:20px !important}.r39-i{background-color:#ffffff !importan=
t;padding-bottom:0px !important;padding-left:15px !important;padding-right:=
15px !important;padding-top:10px !important}.r40-i{background-color:#ffffff=
 !important;padding-bottom:10px !important;padding-left:15px !important;pad=
ding-right:15px !important;padding-top:10px !important}.r41-i{padding-botto=
m:0px !important;padding-left:15px !important;padding-right:15px !important=
;padding-top:0px !important}.r42-c{box-sizing:border-box !important;text-al=
ign:center !important;valign:middle !important;width:100% !important}.r43-o=
{background-size:cover !important;border-style:solid !important;margin:0 au=
to 0 auto !important;width:100% !important}.r44-i{padding-bottom:0px !impor=
tant;padding-left:0px !important;padding-right:0px !important;padding-top:2=
0px !important}body{-webkit-text-size-adjust:none}.nl2go-responsive-hide{di=
splay:none}.nl2go-body-table{min-width:unset !important}.mobshow{height:aut=
o !important;overflow:visible !important;max-height:unset !important;visibi=
lity:visible !important;border:none !important}.resp-table{display:inline-t=
able !important}.magic-resp{display:table-cell !important}}</style><!--[if =
!mso]><!--><style type=3D"text/css" emogrify=3D"no">@import url("https://fo=
nts.googleapis.com/css2?family=3DCalibri");</style><!--<![endif]--><style t=
ype=3D"text/css">p, h1, h2, h3, h4, ol, ul, li{margin:0;}a, a:link{color:#0=
092ff;text-decoration:underline}.nl2go-default-textstyle{color:#3b3f44;font=
-family:arial,helvetica,sans-serif;font-size:16px;line-height:1.2;word-brea=
k:break-word}.default-button{color:#ffffff;font-family:arial,helvetica,sans=
-serif;font-size:16px;font-style:normal;font-weight:normal;line-height:1.15=
;text-decoration:none;word-break:break-word}.default-heading1{color:#1F2D3D=
;font-family:arial,helvetica,sans-serif;font-size:36px;word-break:break-wor=
d}.default-heading2{color:#1F2D3D;font-family:arial,helvetica,sans-serif;fo=
nt-size:32px;word-break:break-word}.default-heading3{color:#1F2D3D;font-fam=
ily:arial,helvetica,sans-serif;font-size:24px;word-break:break-word}.defaul=
t-heading4{color:#1F2D3D;font-family:arial,helvetica,sans-serif;font-size:1=
8px;word-break:break-word}a[x-apple-data-detectors]{color:inherit !importan=
t;text-decoration:inherit !important;font-size:inherit !important;font-fami=
ly:inherit !important;font-weight:inherit !important;line-height:inherit !i=
mportant;}.no-show-for-you{border:none;display:none;float:none;font-size:0;=
height:0;line-height:0;max-height:0;mso-hide:all;overflow:hidden;table-layo=
ut:fixed;visibility:hidden;width:0;}</style><!--[if mso]><xml> <o:OfficeDoc=
umentSettings> <o:AllowPNG/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:Offi=
ceDocumentSettings> </xml><![endif]--><style type=3D"text/css">a:link{color=
:#0092ff;text-decoration:underline}</style></head><body bgcolor=3D"#ffffff"=
 text=3D"#3b3f44" link=3D"#0092ff" yahoo=3D"fix" style=3D"background-color:=
#ffffff;padding-top:38px"> <table cellpadding=3D"0" border=3D"0" cellspacin=
g=3D"0" style=3D" mso-hide:all;display:none"><tr><td>"Bancos investem cada =
vez menos nas micro e pequenas empresas portuguesas."&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#84=
7;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&=
zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwn=
j;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&=
nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbs=
p;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&=
#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;&#847;&zwnj;&nbsp;</td></tr></table> <!-=
-[if mso]> <img width=3D"1" height=3D"1" src=3D"https://r.marketing.raize.p=
t/mk/op/sh/WCPxRrf2SE93WGxD1BvKICSLZ3BWrq8w/HmR5yByy3FYG" /> <![endif]--> <=
!--[if !mso]> <!----> <img style=3D"display:none" src=3D"https://r.marketin=
g.raize.pt/mk/op/sh/WCPxRrf2SE93WGxD1BvKICSLZ3BWrq8w/HmR5yByy3FYG"/> <!-- <=
![endif]--> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D=
"presentation" class=3D"nl2go-body-table" width=3D"100%" style=3D"backgroun=
d-color:#ffffff;width:100%"><tr><td> <table cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation" width=3D"590" align=3D"center" cl=
ass=3D"r0-o" style=3D"table-layout:fixed;width:590px"><tr><td valign=3D"top=
" class=3D"r1-i" style=3D"background-color:#ffffff"> <table cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" alig=
n=3D"center" class=3D"r3-o" style=3D"table-layout:fixed;width:100%"><tr><td=
 class=3D"r4-i" style=3D"background-color:#ffffff;padding-bottom:20px;paddi=
ng-left:20px;padding-right:20px;padding-top:20px"> <table width=3D"100%" ce=
llspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><t=
h width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight:normal"=
> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentat=
ion" width=3D"100%" class=3D"r6-o" style=3D"table-layout:fixed;width:100%">=
<tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left:5px;padding-rig=
ht:5px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=
=3D"0" role=3D"presentation"><tr><td class=3D"r8-c" align=3D"center"> <tabl=
e cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" wi=
dth=3D"200" class=3D"r9-o" style=3D"table-layout:fixed;width:200px"><tr><td=
 class=3D"r10-i"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJ=
TZ6uvg8ehKsvjL13w2wQvRkIc/iXeVl__hz41Z" target=3D"_blank" style=3D"color:#0=
092ff;text-decoration:underline" sib_link_id=3D"0" templating=3D"n"> <img s=
rc=3D"https://img.marketing.raize.pt/im/sh/MC_-Czh-x5an.png?u=3D92pJLo34vnr=
QtTPlejoa8FdxQ35mWQx5Q26" width=3D"200" alt=3D"Raize" border=3D"0" style=3D=
"display:block;width:100%" sib_img_id=3D"0"></a> </td> </tr></table></td> <=
/tr></table></td> </tr></table></th> </tr></table></td> </tr><tr class=3D"n=
l2go-responsive-hide"><td height=3D"20" style=3D"font-size:20px;line-height=
:20px">=C2=AD</td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" =
border=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" class=3D=
"r11-o" style=3D"table-layout:fixed;width:100%"><tr><td class=3D"r12-i" sty=
le=3D"background-color:#ffffff;padding-left:20px;padding-right:20px"> <tabl=
e width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"p=
resentation"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"=
font-weight:normal"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0=
" role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout=
:fixed;width:100%"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-l=
eft:5px;padding-right:5px"> <table width=3D"100%" cellspacing=3D"0" cellpad=
ding=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r13-c nl2go-=
default-textstyle" align=3D"left" style=3D"color:#3b3f44;font-family:arial,=
helvetica,sans-serif;font-size:16px;line-height:1.2;word-break:break-word;p=
adding-bottom:10px;padding-top:10px;text-align:left;valign:top"> <div><p st=
yle=3D"margin:0;color:#3c4858;font-family:Arial,Helvetica,sans-serif;font-s=
ize:24px"><span style=3D"color:black;font-family:Arial,sans-serif;font-size=
:48px"><strong>"</strong></span><span style=3D"color:black;font-family:Aria=
l,sans-serif;font-size:48px"><strong>Bancos investem cada vez menos nas mic=
ro e pequenas empresas."</strong></span></p></div> </td> </tr></table></td>=
 </tr></table></th> </tr></table></td> </tr></table><table cellspacing=3D"0=
" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=
=3D"center" class=3D"r11-o" style=3D"table-layout:fixed;width:100%"><tr><td=
 class=3D"r14-i" style=3D"background-color:#ffffff;padding-left:20px;paddin=
g-right:20px;padding-top:5px"> <table width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" val=
ign=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <table cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" =
class=3D"r6-o" style=3D"table-layout:fixed;width:100%"><tr><td valign=3D"to=
p" class=3D"r7-i" style=3D"padding-left:5px;padding-right:5px"> <table widt=
h=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"present=
ation"><tr><td class=3D"r13-c nl2go-default-textstyle" align=3D"left" style=
=3D"color:#3b3f44;font-family:arial,helvetica,sans-serif;font-size:16px;wor=
d-break:break-word;line-height:24px;padding-bottom:10px;padding-top:10px;te=
xt-align:left;valign:top"> <div><p style=3D"margin:0;color:#3c4858;font-fam=
ily:'Arial',Helvetica,sans-serif;font-size:24px"><span style=3D"color:#FFCC=
00;font-family:Arial,sans-serif;font-size:13.5pt"><strong>O montante de nov=
os empr=C3=A9stimos =C3=A0s PME atingiu em 2023 o valor mais baixo de sempr=
e. Com o acesso banc=C3=A1rio mais restrito, as condi=C3=A7=C3=B5es desfavo=
r=C3=A1veis e os apoios p=C3=BAblicos insuficientes =C3=A9 preciso estimula=
r o investimento privado e diversificar as fontes de financiamento. A Raize=
 pode ser uma excelente forma de o fazer.</strong></span></p></div> </td> <=
/tr></table></td> </tr></table></th> </tr></table></td> </tr></table><table=
 cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" wid=
th=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout:fixed;wi=
dth:100%"><tr><td class=3D"r15-i" style=3D"background-color:#ffffff;padding=
-bottom:20px;padding-left:20px;padding-right:20px"> <table width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><=
th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight:normal=
"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion" width=3D"100%" align=3D"left" class=3D"r16-o" style=3D"table-layout:f=
ixed;width:100%"><tr><td align=3D"left" valign=3D"top" class=3D"r17-i nl2go=
-default-textstyle" style=3D"color:#3b3f44;font-family:arial,helvetica,sans=
-serif;font-size:16px;word-break:break-word;line-height:20px;text-align:lef=
t"> <div><p style=3D"margin:0;color:#3c4858;font-family:'Arial',Helvetica,s=
ans-serif;font-size:14px">=C2=A0</p><p style=3D"margin:0;color:#3c4858;font=
-family:'Arial',Helvetica,sans-serif;font-size:14px"><span style=3D"color:b=
lack;font-family:Arial,sans-serif;font-size:10.5pt"><strong>"Bancos investe=
m cada vez menos nas micro empresas portuguesas (e s=C3=B3 para curto-prazo=
)".</strong></span></p><p style=3D"margin:0;line-height:15.0pt;margin-botto=
m:0cm"><br><span style=3D"color:black;font-family:Arial,sans-serif;font-siz=
e:10.5pt">Devido =C3=A0 dificuldade de autofinanciamento as PME t=C3=AAm ne=
cessidade de obter financiamento externo, o que nem sempre =C3=A9 f=C3=A1ci=
l. Segundo dados do Banco de Portugal, o novo cr=C3=A9dito banc=C3=A1rio pa=
ra as PME atingiu em 2023 o valor mais baixo desde que h=C3=A1 mem=C3=B3ria=
 estat=C3=ADstica. A dificuldade de acesso a financiamento bem como as atua=
is condi=C3=A7=C3=B5es desfavor=C3=A1veis s=C3=A3o algumas das raz=C3=B5es =
apontadas pelas micro e pequenas empresas para as dificuldades em investir =
no atual ciclo econ=C3=B3mico.</span></p><p style=3D"margin:0;line-height:1=
5.0pt;margin-bottom:0cm">=C2=A0</p></div> </td> </tr></table><table cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"55=
0" align=3D"center" class=3D"r18-o" style=3D"table-layout:fixed;width:550px=
"><tr><td class=3D"r19-i" style=3D"font-size:0px;line-height:0px;padding-bo=
ttom:15px;padding-top:15px"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f=
/sh/WCPzyXJTZ72ikArxgyPP6lDjBjK2hRuk/jpTo6ZOWefYS" target=3D"_blank" style=
=3D"color:#0092ff;text-decoration:underline" sib_link_id=3D"1" templating=
=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/wZ1QbBzOxzPi.png?u=
=3DbLfru2eiMfsd47Y3Jt6nvq9Iu5SBeMdnSNvu" width=3D"550" title=3D"Raize Empre=
sas" border=3D"0" style=3D"display:block;width:100%" sib_img_id=3D"12"></a>=
 </td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 role=3D"presentation" width=3D"100%" align=3D"left" class=3D"r16-o" style=
=3D"table-layout:fixed;width:100%"><tr><td align=3D"left" valign=3D"top" cl=
ass=3D"r17-i nl2go-default-textstyle" style=3D"color:#3b3f44;font-family:ar=
ial,helvetica,sans-serif;font-size:16px;word-break:break-word;line-height:2=
0px;text-align:left"> <div><p style=3D"margin:0;color:#3c4858;font-family:'=
Arial',Helvetica,sans-serif;font-size:14px">=C2=A0</p><p style=3D"margin:0;=
color:#3c4858;font-family:'Arial',Helvetica,sans-serif;font-size:14px"><spa=
n style=3D"color:black;font-family:Arial,sans-serif;font-size:10.5pt">Os da=
dos do Banco de Portugal indicam ainda que a maioria das PME nacionais apen=
as tem acesso a financiamento de curto-prazo, nomeadamente contas correntes=
, livran=C3=A7as ou contas de cheques pr=C3=A9-datados/factoring. Este foco=
 no curto-prazo tem um efeito prejudicial nos novos investimentos e no cres=
cimento da economia - em particular das empresas mais pequenas. Em 2023, ap=
enas=C2=A0<strong>8%</strong>=C2=A0dos novos empr=C3=A9stimos a PME foi com=
 um prazo superior a 1 ano (ou seja, adequados para a realiza=C3=A7=C3=A3o =
de investimentos).</span></p><p style=3D"margin:0;line-height:15.0pt;margin=
-bottom:0cm"><span style=3D"color:#3C4858;font-family:Arial,sans-serif;font=
-size:10.5pt">=C2=A0</span></p><p style=3D"margin:0;line-height:15.0pt;marg=
in-bottom:0cm"><span style=3D"color:black;font-family:Arial,sans-serif;font=
-size:10.5pt"><strong>Raize. Financiamento sustent=C3=A1vel de m=C3=A9dio/l=
ongo-prazo e taxas fixas.</strong></span></p><p style=3D"margin:0;line-heig=
ht:15.0pt;margin-bottom:0cm"><br><span style=3D"color:black;font-family:Ari=
al,sans-serif;font-size:10.5pt">A tend=C3=AAncia de subia das taxas de juro=
 leva as empresas a terem mais cuidado antes de contra=C3=ADrem um empr=C3=
=A9stimo. Uma das caracter=C3=ADsticas chave do financiamento Raize =C3=A9 =
a sua oferta de=C2=A0<u>taxa fixa</u>=C2=A0e o seu foco no "<u>m=C3=A9dio/l=
ongo-prazo</u>". Isto significa que quase todos os financiamentos t=C3=AAm =
prazos superiores a 3 anos para ajudar os empres=C3=A1rios a investir de fo=
rma sustent=C3=A1vel na sua atividade (e sem press=C3=B5es de curto-prazo o=
u vari=C3=A7=C3=B5es na presta=C3=A7=C3=A3o). Atrav=C3=A9s da Raize, as emp=
resas podem obter financiamento de m=C3=A9dio-longo/prazo para apoiar a tes=
ouraria e investimentos, com taxas fixas e custos muito competitivos.</span=
></p><p style=3D"margin:0;line-height:15.0pt;margin-bottom:0cm"><span style=
=3D"color:#3C4858;font-family:Arial,sans-serif;font-size:10.5pt">=C2=A0</sp=
an></p><p style=3D"margin:0"><span style=3D"color:black;font-family:Arial,s=
ans-serif;font-size:10.5pt"><strong>Tenho vantagens em fazer uma consulta g=
ratuita com a Raize?</strong></span><br><br><span style=3D"color:black;font=
-family:Arial,sans-serif;font-size:10.5pt">Sim. Quantos mais financiadores =
tiver, mais flexibilidade e seguran=C3=A7a dar=C3=A1 =C3=A0 sua empresa. A =
Raize desempenha hoje um papel importante de facilitar o acesso das PME a f=
inancimento. A rapidez do processo e a simplicidade de acesso s=C3=A3o as p=
rincipais vantagens. E se n=C3=A3o gostar da nossa proposta n=C3=A3o tem pr=
oblema. O estudo da Raize =C3=A9=C2=A0<u>gratuito e sem compromisso</u>.</s=
pan><br><span style=3D"color:black;font-family:Arial,sans-serif;font-size:1=
0.5pt">Por isso, se procura meios financeiros para poder investir na sua em=
presa, n=C3=A3o hesite em contactar-nos.</span></p><p style=3D"margin:0">=
=C2=A0</p><p style=3D"margin:0"><span style=3D"color:black;font-family:Aria=
l,sans-serif;font-size:10.5pt"><strong>Diversifique as suas fontes de finan=
ciamento. N=C3=A3o fique =C3=A0 espera do banco.</strong></span><br><br><sp=
an style=3D"background-color:transparent;color:#000000;font-size:14px">Aced=
a a<strong> </strong></span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/=
sh/WCPzyXJTZ7AVoD5E33t4sVNWKWD9x9Ws/RkwTU2WsmCMH" style=3D"color:#0092ff;te=
xt-decoration:underline" sib_link_id=3D"2" templating=3D"n"><span style=3D"=
background-color:transparent;color:#ffcc00;font-size:14px"><strong><u>www.r=
aize.pt</u></strong></span></a><span style=3D"background-color:transparent;=
color:#000000;font-size:14px"> ou entre em contacto connosco atrav=C3=A9s d=
o email </span><a href=3D"mailto:risco@raize.pt" style=3D"color:#0092ff;tex=
t-decoration:underline"><span style=3D"background-color:transparent;color:#=
ffcc00;font-size:14px"><strong><u>risco@raize.pt</u></strong></span></a><sp=
an style=3D"background-color:transparent;color:#000000;font-size:14px">=C2=
=A0para </span><span style=3D"color:black;font-family:Arial,sans-serif;font=
-size:10.5pt">para mais informa=C3=A7=C3=B5es=C2=A0sobre as linhas de finan=
ciamento da Raize. </span><span style=3D"color:black;font-family:Arial,sans=
-serif;font-size:10.5pt">Comece agora mesmo uma=C2=A0<u>consulta gratuita</=
u>=C2=A0e=C2=A0<u>sem compromisso</u>.</span><span style=3D"color:black;fon=
t-family:Arial,sans-serif;font-size:10.5pt">=C2=A0</span><br><span style=3D=
"font-size:14px">=C2=A0</span><br><br><span style=3D"color:#000000;font-siz=
e:14px">Equipa Raize</span><br>=C2=A0<br><br><span style=3D"color:#000000;f=
ont-size:11px">---</span><br><span style=3D"background-color:transparent;co=
lor:#000000;font-size:10px">Financiamento sujeito a an=C3=A1lise. A Raize =
=C3=A9 um dos financiadores de refer=C3=AAncia das PME em Portugal. A Raize=
crowd, Lda =C3=A9 uma entidade autorizada e supervisionada pela CMVM. A Rai=
ze - Institui=C3=A7=C3=A3o de Pagamentos, S.A., Sociedade Aberta, =C3=A9 um=
a institui=C3=A7=C3=A3o de pagamentos autorizada e supervisionada pelo Banc=
o de Portugal.</span></p></div> </td> </tr></table></th> </tr></table></td>=
 </tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" align=3D"center" class=3D"r20-o" style=3D"=
table-layout:fixed;width:100%"><tr><td class=3D"r4-i" style=3D"background-c=
olor:#ffffff;padding-bottom:20px;padding-left:20px;padding-right:20px;paddi=
ng-top:20px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=
=3D"r5-c" style=3D"font-weight:normal"> <table cellspacing=3D"0" cellpaddin=
g=3D"0" border=3D"0" role=3D"presentation" width=3D"550" align=3D"center" c=
lass=3D"r11-o" style=3D"table-layout:fixed;width:550px"><tr><td height=3D"4=
6" align=3D"center" valign=3D"top" class=3D"r21-i nl2go-default-textstyle" =
style=3D"color:#3b3f44;font-family:arial,helvetica,sans-serif;font-size:16p=
x;line-height:1.2;word-break:break-word"> <!--[if mso]> <v:roundrect xmlns:=
v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:of=
fice:word" href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIsFIUP=
9MkeFXJTJ6HCr90/1tZd5k7x2HmJ" style=3D"v-text-anchor:middle; height: 66px; =
width: 530px;" arcsize=3D"14%" fillcolor=3D"#ffcc00" strokecolor=3D"#ffcc00=
" strokeweight=3D"20px" data-btn=3D"1" sib_link_id=3D"3" templating=3D"n"> =
<w:anchorlock> </w:anchorlock> <v:textbox inset=3D"0,0,0,0"> <div style=3D"=
display:none;"> <center class=3D"default-button"><span><span style=3D"color=
:#050505;"><strong>COME=C3=87AR PROCESSO DE ESTUDO</strong></span><br><span=
 style=3D"color:#050505;font-size:15px;">(gratuito e sem compromisso)</span=
></span></center> </div> </v:textbox> </v:roundrect> <![endif]--> <!--[if !=
mso]><!-- --> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7I=
IsFIUP9MkeFXJTJ6HCr90/1tZd5k7x2HmJ" class=3D"r22-r default-button" target=
=3D"_blank" data-btn=3D"1" style=3D"font-style:normal;font-weight:normal;li=
ne-height:1.15;text-decoration:none;word-break:break-word;border-style:soli=
d;word-wrap:break-word;display:block;-webkit-text-size-adjust:none;backgrou=
nd-color:#ffcc00;border-bottom-color:#ffcc00;border-bottom-width:20px;borde=
r-color:#ffcc00;border-left-color:#ffcc00;border-left-width:20px;border-rad=
ius:10px;border-right-color:#ffcc00;border-right-width:20px;border-top-colo=
r:#ffcc00;border-top-width:20px;border-width:15px;color:#ffffff;font-family=
:arial,helvetica,sans-serif;font-size:16px;height:46px;mso-hide:all;padding=
-left:5px;padding-right:5px;width:510px" sib_link_id=3D"3" templating=3D"n"=
> <span><span style=3D"color:#050505"><strong>COME=C3=87AR PROCESSO DE ESTU=
DO</strong></span><br><span style=3D"color:#050505;font-size:15px">(gratuit=
o e sem compromisso)</span></span></a> <!--<![endif]--> </td> </tr></table>=
</th> </tr></table></td> </tr><tr class=3D"nl2go-responsive-hide"><td heigh=
t=3D"1" style=3D"font-size:1px;line-height:1px">=C2=AD</td> </tr></table><t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
 width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout:fixe=
d;width:100%"><tr><td class=3D"r4-i" style=3D"background-color:#ffffff;padd=
ing-bottom:20px;padding-top:20px"> <table width=3D"100%" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%"=
 valign=3D"top" class=3D"r5-c" style=3D"background-color:#fff4ce;font-weigh=
t:normal"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"=
presentation" width=3D"100%" class=3D"r23-o" style=3D"table-layout:fixed;wi=
dth:100%"><tr><td valign=3D"top" class=3D"r24-i" style=3D"background-color:=
#fff4ce;padding-left:15px;padding-right:15px"> <table width=3D"100%" cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td cl=
ass=3D"r25-c" align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" bo=
rder=3D"0" role=3D"presentation" width=3D"100%" class=3D"r26-o" style=3D"ta=
ble-layout:fixed;width:100%"><tr><td align=3D"center" valign=3D"top" class=
=3D"r27-i nl2go-default-textstyle" style=3D"color:#3b3f44;font-family:arial=
,helvetica,sans-serif;font-size:16px;word-break:break-word;background-color=
:#fff4ce;line-height:1;padding-top:15px;text-align:center"> <div><p style=
=3D"margin:0;font-size:26px"><span style=3D"color:#ffcc00;font-size:32px"><=
strong>Empresas distinguem a Raize pelo seu servi=C3=A7o de financiamento.<=
/strong></span></p><p style=3D"margin:0;font-size:26px">=C2=A0</p></div> </=
td> </tr></table></td> </tr><tr><td class=3D"r28-c" align=3D"center" style=
=3D"font-size:0px;line-height:0px;valign:top"> <a href=3D"http://r.marketin=
g.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Q5wHVklEqQPzh6c5zOSYl8/W1Bep2XdYb7x" target=
=3D"_blank" style=3D"color:#0092ff;text-decoration:underline" sib_link_id=
=3D"4" templating=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/r=
DGz8sYd6jle.png?u=3DbLfru2eiMfsd3bNSekLGjDcplV1HMV3qcIUs" width=3D"560" bor=
der=3D"0" style=3D"display:block;width:100%" sib_img_id=3D"11"></a> </td> <=
/tr><tr><td class=3D"r29-c nl2go-default-textstyle" align=3D"left" style=3D=
"color:#3b3f44;font-family:arial,helvetica,sans-serif;font-size:16px;word-b=
reak:break-word;background-color:#fff4ce;line-height:1;padding-top:15px;tex=
t-align:left;valign:top"> <div><p style=3D"margin:0">=C2=A0</p><p style=3D"=
margin:0"><span style=3D"color:#000000;font-size:14px">A Raize foi distingu=
ida pela CNBC e pela Statista, como uma das melhores Fintech a n=C3=ADvel m=
undial no "<u>World's Top FinTech Companies</u>".=C2=A0</span></p><p style=
=3D"margin:0"><br><span style=3D"color:#000000;font-size:14px">A par desta =
distin=C3=A7=C3=A3o que muito nos orgulha, a Raize foi ainda eleita "<u>Mar=
ca N=C2=BA1 na Escolha dos Profissionais</u>" e distinguida com o "<u>Pr=C3=
=A9mio Cinco Estrelas</u>" pelo 5=C2=BA ano consecutivo, na categoria Cr=C3=
=A9dito a Empresas.</span></p><p style=3D"margin:0"><span style=3D"color:#0=
00000;font-size:14px">Estes pr=C3=A9mios refletem o elevado grau de satisfa=
=C3=A7=C3=A3o das empresas com a Raize, e refor=C3=A7a a sua posi=C3=A7=C3=
=A3o como um dos financiadores de refer=C3=AAncia das PME em Portugal.</spa=
n></p><p style=3D"margin:0">=C2=A0</p></div> </td> </tr></table></td> </tr>=
</table></th> </tr></table></td> </tr></table></td> </tr></table><table cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout:fixed;widt=
h:100%"><tr><td valign=3D"top" class=3D"r1-i" style=3D"background-color:#ff=
ffff"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pres=
entation" width=3D"590" align=3D"center" class=3D"r0-o" style=3D"table-layo=
ut:fixed;width:590px"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" =
style=3D"font-weight:normal"> <table cellspacing=3D"0" cellpadding=3D"0" bo=
rder=3D"0" role=3D"presentation" width=3D"590" align=3D"center" class=3D"r1=
1-o" style=3D"table-layout:fixed;width:590px"><tr><td height=3D"10" class=
=3D"r30-i" style=3D"font-size:10px;line-height:10px;background-color:transp=
arent"> =C2=AD </td> </tr></table></th> </tr></table></td> </tr></table><ta=
ble cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" =
width=3D"590" align=3D"center" class=3D"r0-o" style=3D"table-layout:fixed;w=
idth:590px"><tr><td valign=3D"top" class=3D"r1-i" style=3D"background-color=
:#ffffff"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"=
presentation" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"tabl=
e-layout:fixed;width:100%"><tr><td class=3D"r4-i" style=3D"background-color=
:#ffffff;padding-bottom:20px;padding-top:20px"> <table width=3D"100%" cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th w=
idth=3D"50%" valign=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
 width=3D"100%" class=3D"r6-o" style=3D"table-layout:fixed;width:100%"><tr>=
<td valign=3D"top" class=3D"r7-i" style=3D"padding-left:5px;padding-right:5=
px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 role=3D"presentation"><tr><td class=3D"r31-c nl2go-default-textstyle" alig=
n=3D"left" style=3D"color:#3b3f44;font-family:arial,helvetica,sans-serif;fo=
nt-size:16px;line-height:1.2;word-break:break-word;padding-left:20px;paddin=
g-right:20px;text-align:left;valign:top"> <div><p style=3D"margin:0;font-fa=
mily:Arial,Helvetica,sans-serif;font-size:14px;color:#888888"><span>Raize<b=
r>Rua Tierno Galvan - Amoreiras<br>Torre 3, 17=C2=BA piso<br>1070-274 Lisbo=
a, Portugal<br><a href=3D"mailto:geral@raize.pt" style=3D"color:#0092ff;tex=
t-decoration:underline"><span style=3D"text-decoration:underline;color:#ffc=
c00">geral@raize.pt</span></a></span></p></div> </td> </tr></table></td> </=
tr></table></th> <th width=3D"50%" valign=3D"top" class=3D"r5-c" style=3D"f=
ont-weight:normal"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout:=
fixed;width:100%"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-le=
ft:5px;padding-right:5px"> <table width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r32-c" align=
=3D"right"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D=
"presentation" width=3D"285" align=3D"right" class=3D"r11-o" style=3D"table=
-layout:fixed;width:285px"><tr><td valign=3D"top"> <table width=3D"100%" ce=
llspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><t=
d class=3D"r32-c" align=3D"right" style=3D"display:inline-block"> <table ce=
llspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
=3D"285" align=3D"right" class=3D"r11-o" style=3D"table-layout:fixed;width:=
285px"><tr><td class=3D"r33-i" style=3D"padding-bottom:2px;padding-left:173=
px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 role=3D"presentation"><tr><th width=3D"40" class=3D"r34-c mobshow resp-tab=
le" style=3D"font-weight:normal"> <table cellspacing=3D"0" cellpadding=3D"0=
" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r35-o" style=
=3D"table-layout:fixed;width:100%"><tr><td class=3D"r36-i" style=3D"font-si=
ze:0px;line-height:0px;padding-bottom:5px;padding-top:5px"> <a href=3D"http=
://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Xt0Jj17KK6BjqtkssViGNG/7WraIH3=
RgXLE" target=3D"_blank" style=3D"color:#0092ff;text-decoration:underline" =
sib_link_id=3D"5" templating=3D"n"> <img src=3D"https://img.marketing.raize=
.pt/im/sh/_Tl7BlgjQ9as.png?u=3D92pJLo34vnrQtya1nas0UAL2OgGLfzQ6EUc" width=
=3D"32" border=3D"0" style=3D"display:block;width:100%" sib_img_id=3D"4"></=
a> </td> <td class=3D"nl2go-responsive-hide" width=3D"8" style=3D"font-size=
:0px;line-height:1px">=C2=AD </td> </tr></table></th> <th width=3D"40" clas=
s=3D"r34-c mobshow resp-table" style=3D"font-weight:normal"> <table cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"10=
0%" class=3D"r35-o" style=3D"table-layout:fixed;width:100%"><tr><td class=
=3D"r36-i" style=3D"font-size:0px;line-height:0px;padding-bottom:5px;paddin=
g-top:5px"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7fg4=
LwHTPnlxU0gtflcxxzO/ZuFcBeBsOtA8" target=3D"_blank" style=3D"color:#0092ff;=
text-decoration:underline" sib_link_id=3D"6" templating=3D"n"> <img src=3D"=
https://img.marketing.raize.pt/im/sh/RO3AEXfVSU2z.png?u=3D92pJLo34vnrQu6N5p=
o8MZe0o8q3USsXLw6k" width=3D"32" border=3D"0" style=3D"display:block;width:=
100%" sib_img_id=3D"5"></a> </td> <td class=3D"nl2go-responsive-hide" width=
=3D"8" style=3D"font-size:0px;line-height:1px">=C2=AD </td> </tr></table></=
th> <th width=3D"32" class=3D"r34-c mobshow resp-table" style=3D"font-weigh=
t:normal"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"=
presentation" width=3D"100%" class=3D"r37-o" style=3D"table-layout:fixed;wi=
dth:100%"><tr><td class=3D"r36-i" style=3D"font-size:0px;line-height:0px;pa=
dding-bottom:5px;padding-top:5px"> <a href=3D"http://r.marketing.raize.pt/m=
k/cl/f/sh/WCPzyXJTZ7nT8O9XpVHRjEAU2SekDfbW/4jnCqPtpyUJp" target=3D"_blank" =
style=3D"color:#0092ff;text-decoration:underline" sib_link_id=3D"7" templat=
ing=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/2MZjWqdYSvr6.pn=
g?u=3D92pJLo34vnrQuEA9s1Oif7gZszqdFlebdis" width=3D"32" border=3D"0" style=
=3D"display:block;width:100%" sib_img_id=3D"6"></a> </td> </tr></table></th=
> </tr></table></td> </tr></table></td> </tr></table></td> </tr></table></t=
d> </tr></table></td> </tr></table></th> </tr></table></td> </tr></table><t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
 width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout:fixe=
d;width:100%"><tr><td class=3D"r38-i" style=3D"background-color:#ffffff;pad=
ding-left:20px;padding-right:20px;padding-top:20px"> <table width=3D"100%" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr>=
<th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight:norma=
l"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"present=
ation" width=3D"100%" align=3D"left" class=3D"r16-o" style=3D"table-layout:=
fixed;width:100%"><tr><td align=3D"left" valign=3D"top" class=3D"r17-i nl2g=
o-default-textstyle" style=3D"color:#3b3f44;font-family:arial,helvetica,san=
s-serif;font-size:16px;word-break:break-word;line-height:20px;text-align:le=
ft"> <div><p style=3D"margin:0;font-family:Arial,Helvetica,sans-serif;font-=
size:14px;color:#3c4858"><span><span style=3D"color:#000000;font-size:10px;=
background-color:transparent">Esta comunica=C3=A7=C3=A3o =C3=A9 dirigida ex=
clusivamente =C3=A0 Sociedade. Quaisquer informa=C3=A7=C3=B5es sobre pessoa=
s que n=C3=A3o a referida Sociedade resultam da rela=C3=A7=C3=A3o com a ati=
vidade empresarial e profissional e devem ser utilizadas exclusivamente por=
 refer=C3=AAncia =C3=A0 Sociedade.</span></span></p></div> </td> </tr></tab=
le></th> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"center"=
 class=3D"r11-o" style=3D"table-layout:fixed;width:100%"><tr><td class=3D"r=
39-i" style=3D"background-color:#ffffff;padding-top:10px"> <table width=3D"=
100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation=
"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight=
:normal"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"p=
resentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout:fixed;widt=
h:100%"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left:15px;pa=
dding-right:15px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0=
" border=3D"0" role=3D"presentation"><tr><td class=3D"r25-c" align=3D"left"=
> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentat=
ion" width=3D"100%" class=3D"r16-o" style=3D"table-layout:fixed;width:100%"=
><tr><td align=3D"center" valign=3D"top" class=3D"r21-i nl2go-default-texts=
tyle" style=3D"color:#3b3f44;font-family:arial,helvetica,sans-serif;font-si=
ze:16px;line-height:1.2;word-break:break-word;text-align:center"> <div><p s=
tyle=3D"margin:0;font-family:Arial,Helvetica,sans-serif;font-size:14px;colo=
r:#888888"></p></div> </td> </tr></table></td> </tr><tr><td class=3D"r25-c"=
 align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" ro=
le=3D"presentation" width=3D"100%" class=3D"r16-o" style=3D"table-layout:fi=
xed;width:100%"><tr><td align=3D"center" valign=3D"top" class=3D"r21-i nl2g=
o-default-textstyle" style=3D"color:#3b3f44;font-family:arial,helvetica,san=
s-serif;font-size:16px;line-height:1.2;word-break:break-word;text-align:cen=
ter"> <div><p style=3D"margin:0"><a href=3D"http://r.marketing.raize.pt/mk/=
un/v2/sh/WCPxRrWByckTjaLxqO6ysHxyXRtcVoAs/RKgZfJt7FeZt" style=3D"color:#009=
2ff;text-decoration:underline"><span style=3D"font-family:Arial,Helvetica,s=
ans-serif;font-size:14px;color:#ffcc00;text-decoration:underline"><span>Ret=
irar-me da lista</span></span></a></p></div> </td> </tr></table></td> </tr>=
</table></td> </tr></table></th> </tr></table></td> </tr></table><table cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout:fixed;widt=
h:100%"><tr><td class=3D"r40-i" style=3D"background-color:#ffffff;padding-b=
ottom:10px;padding-top:10px"> <table width=3D"100%" cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" vali=
gn=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <table cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" =
align=3D"left" class=3D"r16-o" style=3D"table-layout:fixed;width:100%"><tr>=
<td align=3D"center" valign=3D"top" class=3D"r21-i nl2go-default-textstyle"=
 style=3D"color:#3b3f44;font-family:arial,helvetica,sans-serif;font-size:16=
px;line-height:1.2;word-break:break-word;text-align:center"> <div><p style=
=3D"margin:0;color:#888888;font-family:Arial,Helvetica,sans-serif;font-size=
:14px">=C2=A9 2024 Raize, Todos os direitos reservados.</p></div> </td> </t=
r></table></th> </tr></table></td> </tr></table><table cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"=
center" class=3D"r11-o" style=3D"table-layout:fixed;width:100%"><tr><td cla=
ss=3D"r4-i" style=3D"background-color:#ffffff;padding-bottom:20px;padding-l=
eft:20px;padding-right:20px;padding-top:20px"> <table width=3D"100%" cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th wi=
dth=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
 width=3D"100%" class=3D"r6-o" style=3D"table-layout:fixed;width:100%"><tr>=
<td valign=3D"top" class=3D"r7-i" style=3D"padding-left:5px;padding-right:5=
px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 role=3D"presentation"><tr><td class=3D"r8-c" align=3D"center"> <table cell=
spacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D=
"200" class=3D"r9-o" style=3D"table-layout:fixed;width:200px"><tr><td class=
=3D"r10-i"> <img src=3D"https://img.marketing.raize.pt/im/sh/L_jn8QSRiVS2.p=
ng?u=3D92pJLo34vnrQuLxDuEf4kbMLd9dm2elrLL0" width=3D"200" alt=3D"Raize II" =
border=3D"0" style=3D"display:block;width:100%" sib_img_id=3D"7"></td> </tr=
></table></td> </tr><tr><td class=3D"r2-c" align=3D"center"> <table cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"10=
0%" align=3D"center" class=3D"r11-o" style=3D"table-layout:fixed;width:100%=
"><tr><td class=3D"r41-i"> <table width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=
=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <table cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" cla=
ss=3D"r6-o" style=3D"table-layout:fixed;width:100%"><tr><td valign=3D"top" =
class=3D"r7-i" style=3D"padding-left:5px;padding-right:5px"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><td class=3D"r42-c" align=3D"center"> <table cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"530" align=3D"c=
enter" class=3D"r43-o" style=3D"table-layout:fixed;width:530px"><tr><td cla=
ss=3D"r44-i" style=3D"padding-left:139px;padding-right:139px;padding-top:20=
px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 role=3D"presentation"><tr><th width=3D"55" valign=3D"top" class=3D"r5-c" s=
tyle=3D"font-weight:normal"> <table cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"tabl=
e-layout:fixed"><tr><td class=3D"r7-i" style=3D"padding-left:14px;padding-r=
ight:14px"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" borde=
r=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=
=3D"r25-c" style=3D"font-weight:normal"> <table cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r16-o" =
style=3D"table-layout:fixed;width:100%"><tr><td align=3D"center" valign=3D"=
top" class=3D"r21-i nl2go-default-textstyle" style=3D"color:#3b3f44;font-fa=
mily:arial,helvetica,sans-serif;font-size:16px;line-height:1.2;text-align:c=
enter;word-break:break-word"> <div><p style=3D"margin:0"><a href=3D"http://=
r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7vGCQMoBal7UyKHBFXrTNDe/GMAcnOAVMG=
t6" style=3D"color:#0092ff;text-decoration:underline" sib_link_id=3D"8" tem=
plating=3D"n"><span style=3D"font-family:Arial,Helvetica,sans-serif;font-si=
ze:14px;color:#ffcc00;text-decoration:none"><strong>Site</strong></span></a=
></p></div> </td> </tr></table></th> </tr></table></td> </tr></table></th> =
<th width=3D"137" valign=3D"top" class=3D"r5-c" style=3D"font-weight:normal=
"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion" width=3D"100%" class=3D"r6-o" style=3D"table-layout:fixed"><tr><td cl=
ass=3D"r7-i" style=3D"padding-left:14px;padding-right:14px"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><th width=3D"100%" valign=3D"top" class=3D"r25-c" style=3D"font-w=
eight:normal"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" class=3D"r16-o" style=3D"table-layout:fixe=
d;width:100%"><tr><td align=3D"center" valign=3D"top" class=3D"r21-i nl2go-=
default-textstyle" style=3D"color:#3b3f44;font-family:arial,helvetica,sans-=
serif;font-size:16px;line-height:1.2;text-align:center;word-break:break-wor=
d"> <div><p style=3D"margin:0"><a href=3D"http://r.marketing.raize.pt/mk/cl=
/f/sh/WCPzyXJTZ833GSa4XgEnGiU4K2Qyj4pm/rlozQsoNugwC" style=3D"color:#0092ff=
;text-decoration:underline" sib_link_id=3D"9" templating=3D"n"><span style=
=3D"font-family:Arial,Helvetica,sans-serif;font-size:14px;color:#ffcc00;tex=
t-decoration:none"><strong>Centro de Apoio</strong></span></a></p></div> </=
td> </tr></table></th> </tr></table></td> </tr></table></th> <th width=3D"6=
0" valign=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <table cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"=
100%" class=3D"r6-o" style=3D"table-layout:fixed"><tr><td class=3D"r7-i" st=
yle=3D"padding-left:14px;padding-right:14px"> <table width=3D"100%" cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th wid=
th=3D"100%" valign=3D"top" class=3D"r25-c" style=3D"font-weight:normal"> <t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
 width=3D"100%" class=3D"r16-o" style=3D"table-layout:fixed;width:100%"><tr=
><td align=3D"center" valign=3D"top" class=3D"r21-i nl2go-default-textstyle=
" style=3D"color:#3b3f44;font-family:arial,helvetica,sans-serif;font-size:1=
6px;line-height:1.2;text-align:center;word-break:break-word"> <div><p style=
=3D"margin:0"><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/28xHLtxYQ4y=
aodD8RoZKsa3k4ArzN7xtFy/Xz6Gy6cMuSuN" style=3D"color:#0092ff;text-decoratio=
n:underline" sib_link_id=3D"10" templating=3D"n"><span style=3D"font-family=
:Arial,Helvetica,sans-serif;font-size:14px;color:#ffcc00;text-decoration:no=
ne"><strong>Blog</strong></span></a></p></div> </td> </tr></table></th> </t=
r></table></td> </tr></table></th> </tr></table></td> </tr></table></td> </=
tr></table></td> </tr></table></th> </tr></table></td> </tr></table></td> <=
/tr></table></td> </tr></table></th> </tr></table></td> </tr></table></td> =
</tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"=
table-layout:fixed;width:100%"><tr><td valign=3D"top" class=3D"r1-i" style=
=3D"background-color:#ffffff"> <table cellspacing=3D"0" cellpadding=3D"0" b=
order=3D"0" role=3D"presentation" width=3D"590" align=3D"center" class=3D"r=
0-o" style=3D"table-layout:fixed;width:590px"><tr><th width=3D"100%" valign=
=3D"top" class=3D"r5-c" style=3D"font-weight:normal"> <table cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"590" alig=
n=3D"center" class=3D"r11-o" style=3D"table-layout:fixed;width:590px"><tr><=
td height=3D"5" class=3D"r30-i" style=3D"font-size:5px;line-height:5px;back=
ground-color:transparent"> =C2=AD </td> </tr></table></th> </tr></table></t=
d> </tr></table></td> </tr></table> </body></html>=20

---------?=_23541-3869157903179--