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Subject: Programa do Governo: o que muda para as PME portuguesas?
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Content preview: **Programa do Governo: o que**** ****muda para as PME portuguesas?**
**Na passada semana foi apresentado e aprovado, na Assembleia da República,
o Programa do Governo para os próximos 4 anos. Dos i [...]
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**Programa do Governo: o que****=C2=A0****muda para as PME portuguesas?**
**Na passada semana foi apresentado e aprovado, na Assembleia da Rep=C3=BAb=
lica, o Programa do Governo para os pr=C3=B3ximos 4 anos. Dos impostos =C3=
=A0 burocracia, passando pela internacionaliza=C3=A7=C3=A3o, pelo financiam=
ento e pelos apoios =C3=A0 tesouraria, e****stas s=C3=A3o algumas das medid=
as que podem afetar diretamente a atividade das PME.**
=C2=A0
Incentivos fiscais, capitaliza=C3=A7=C3=A3o e apoios ao investimento, s=C3=
=A3o algumas das medidas apresentadas no Programa do Governo e que represen=
tam algumas altera=C3=A7=C3=B5es substanciais e com impacto direto para as =
empresas portuguesas.=C2=A0
Entre as principais medidas, o executivo prop=C3=B5e-se a reduzir os impost=
os sobre as PME, al=C3=A9m de refor=C3=A7ar a capacidade de dedu=C3=A7=C3=
=A3o =C3=A0 coleta em IRC dos lucros das empresas que invistam na economia.
=C2=A0
**Algumas das principais medidas que podem ter impacto para as PME:**
=C2=A0
- Redu=C3=A7=C3=A3o das taxas de IRC, com uma redu=C3=A7=C3=A3o gradual de =
dois pontos percentuais por ano (21% para 15% at=C3=A9 2027);=20
- Reduzir em 20% as tributa=C3=A7=C3=B5es aut=C3=B3nomas sobre viaturas das=
empresas em sede de IRC;=20
- Elimina=C3=A7=C3=A3o, de forma gradual, da progressividade da derrama est=
adual e da derrama municipal em sede de IRC;=20
- Eliminar ou reduzir custos relativos =C3=A0 utiliza=C3=A7=C3=A3o de instr=
umentos de apoio =C3=A0 capitaliza=C3=A7=C3=A3o e =C3=A0 recapitaliza=C3=A7=
=C3=A3o como comiss=C3=B5es, taxas, emolumentos ou escrituras;=20
- Aplica=C3=A7=C3=A3o efetiva, acelera=C3=A7=C3=A3o e automatiza=C3=A7=C3=
=A3o da compensa=C3=A7=C3=A3o de cr=C3=A9ditos tribut=C3=A1rios;=20
- Implementar uma conta-corrente de empresas com o Estado;=C2=A0=20
- Garantir o pagamento de faturas a 30 dias pelo Estado;=20
- Isen=C3=A7=C3=A3o de impostos e contribui=C3=A7=C3=B5es nos pr=C3=A9mios =
de desempenho, at=C3=A9 ao valor limite de um sal=C3=A1rio mensal (15=C2=BA=
m=C3=AAs livre de impostos).=C2=A0=20
=C2=A0
Uma das medidas tamb=C3=A9m previstas pelo governo prende-se com o aumento =
do sal=C3=A1rio m=C3=ADnimo nacional (SMN).=C2=A0O novo executivo pretende =
que o SMN aumente at=C3=A9 aos mil euros em 2028, comprometendo-se para iss=
o a fazer aumentos em linha com a infla=C3=A7=C3=A3o, acrescida dos ganhos =
de produtividade. Isto representa um aumento de 22% face ao valor atual, ao=
longo de toda a legislatura. =C2=A0
=C2=A0
**Programa de Estabilidade prev=C3=AA excedente de 0,3% do PIB em 2024, no =
entanto, n=C3=A3o incorpora o impacto de novas medidas decididas pelo Gover=
no.=C2=A0**
O Governo apresentou as proje=C3=A7=C3=B5es macroec=C3=B3nimcas no =C3=A2mb=
ito do Programa de Estabilidade para 2024-2028 (PE 2024-28). O enquadrament=
o previsto pelo Governo aponta para um=C2=A0crescimento da economia naciona=
l a um ritmo m=C3=A9dio de 1,7% por ano, entre 2024 e 2028. No entanto, o G=
overno acredita existir a possibilidade para exceder o objetivo de crescime=
nto porque a base =C3=A9 a que estava no Or=C3=A7amento do Estado 2024 que =
foi projetado pelo Governo anterior, que era menos otimista relativamente a=
o comportamento da economia.
=C2=A0
=C2=A0
A sustentar o crescimento previsto pelo Governo est=C3=A1 um=C2=A0crescimen=
to de 3,1% das exporta=C3=A7=C3=B5es=C2=A0e um=C2=A0aumento de 1,5% do cons=
umo p=C3=BAblico. Igualmente importante para o crescimento da economia ser=
=C3=A1 o desempenho do mercado de trabalho que, segundo as previs=C3=B5es d=
o Governo, dever=C3=A1 registar uma=C2=A0queda da taxa de desemprego, passa=
ndo de 6,7% em 2024 para 5,8% em 2028.
=C2=A0
O Programa de Estabilidade prev=C3=AA ainda que a=C2=A0infla=C3=A7=C3=A3o v=
ai manter-se est=C3=A1vel na ordem dos 2% at=C3=A9 2028.
=C2=A0
**Raize. Financiamento sustent=C3=A1vel de m=C3=A9dio/longo-prazo para apoi=
ar a tesouraria e investimentos.**
Se procura meios financeiros para poder investir na sua empresa, n=C3=A3o h=
esite em contactar-nos. Comece agora mesmo um=C2=A0processo de consulta gra=
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=C2=A0
Equipa Raize
=C2=A0
---
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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=
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iadores de refer=C3=AAncia das PME em Portugal.
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none; display: none; float: none; font-size: 0; height: 0; line-height: 0;=
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tSettings> </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: #fff=
fff; padding-top: 38px;"> <table cellpadding=3D"0" border=3D"0" cellspacing=
=3D"0" style=3D" mso-hide: all; display: none;"><tr><td>Na passada semana f=
oi apresentado e aprovado o Programa do Governo para os pr=C3=B3ximos 4 ano=
s. Estas s=C3=A3o algumas das medidas que podem afetar diretamente a ativid=
ade das PME.͏‌ ͏‌ ͏‌ ͏&zw=
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‌ </td></tr></table> <!--[if mso]> <img width=3D"1" height=3D"1" =
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round-color: #ffffff; width: 100%;"><tr><td> <table cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation" width=3D"590" align=3D"cent=
er" class=3D"r0-o" style=3D"table-layout: fixed; width: 590px;"><tr><td val=
ign=3D"top" class=3D"r1-i" style=3D"background-color: #ffffff;"> <table cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
=3D"100%" align=3D"center" class=3D"r3-o" style=3D"table-layout: fixed; wid=
th: 100%;"><tr><td class=3D"r4-i" style=3D"background-color: #ffffff; paddi=
ng-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 20px=
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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%" class=3D"r6-o" style=3D"t=
able-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r7-i" sty=
le=3D"padding-left: 5px; padding-right: 5px;"> <table width=3D"100%" cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td cl=
ass=3D"r8-c" align=3D"center"> <table cellspacing=3D"0" cellpadding=3D"0" b=
order=3D"0" role=3D"presentation" width=3D"200" class=3D"r9-o" style=3D"tab=
le-layout: fixed; width: 200px;"><tr><td class=3D"r10-i"> <a href=3D"http:/=
/r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ6uveJQoeIJ0vp0jYVjfasz4/jA02v43n-=
GlT" target=3D"_blank" style=3D"color: #0092ff; text-decoration: underline;=
" sib_link_id=3D"0" templating=3D"n"> <img src=3D"https://img.marketing.rai=
ze.pt/im/sh/28IuJ7W9kRW8.png?u=3D92pJLo34vnrQtTPjpVvtXcvYDztI5jhEYiY" 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></ta=
ble></th> </tr></table></td> </tr><tr class=3D"nl2go-responsive-hide"><td h=
eight=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"pr=
esentation" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-=
layout: fixed; width: 100%;"><tr><td class=3D"r12-i" style=3D"background-co=
lor: #ffffff; padding-left: 20px; padding-right: 20px;"> <table width=3D"10=
0%" 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; wi=
dth: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left: 5p=
x; padding-right: 5px;"> <table width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r13-c nl2go-def=
ault-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; padding-bottom: 10px; padding-top: 10px; text-align: left; valign: to=
p;"> <div><p style=3D"margin: 0; color: #3c4858; font-family: Arial,Helveti=
ca,sans-serif; font-size: 24px;"><span style=3D"color: black; font-family: =
Arial,sans-serif; font-size: 36.0pt;"><strong>Programa do Governo: o que</s=
trong></span><span style=3D"font-family: Aptos,sans-serif; font-size: 11.0p=
t;"><strong>=C2=A0</strong></span><span style=3D"color: black; font-family:=
Arial,sans-serif; font-size: 36.0pt;"><strong>muda para as PME portuguesas=
?</strong></span></p></div> </td> </tr></table></td> </tr></table></th> </t=
r></table></td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" class=3D"r1=
1-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r14-i" st=
yle=3D"background-color: #ffffff; padding-left: 20px; padding-right: 20px; =
padding-top: 5px;"> <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" ce=
llpadding=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" cl=
ass=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"r13-c nl2go-default-textstyle" align=3D"left" style=
=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16p=
x; word-break: break-word; line-height: 24px; padding-bottom: 10px; padding=
-top: 10px; text-align: left; valign: top;"> <div><p style=3D"margin: 0; co=
lor: #3c4858; font-family: 'Arial',Helvetica,sans-serif; font-size: 24px;">=
<span style=3D"color: #FFC000; font-family: Arial,sans-serif; font-size: 13=
.5pt;"><strong>Na passada semana foi apresentado e aprovado, na Assembleia =
da Rep=C3=BAblica, o Programa do Governo para os pr=C3=B3ximos 4 anos. Dos =
impostos =C3=A0 burocracia, passando pela internacionaliza=C3=A7=C3=A3o, pe=
lo financiamento e pelos apoios =C3=A0 tesouraria, e</strong></span><span s=
tyle=3D"color: #FFCC00; font-family: Arial,sans-serif; font-size: 13.5pt;">=
<strong>stas s=C3=A3o algumas das medidas que podem afetar diretamente a at=
ividade das PME.</strong></span></p></div> </td> </tr></table></td> </tr></=
table></th> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpa=
dding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"cent=
er" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td cla=
ss=3D"r15-i" style=3D"background-color: #ffffff; padding-bottom: 20px; padd=
ing-left: 20px; padding-right: 20px;"> <table width=3D"100%" cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"1=
00%" valign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table c=
ellspacing=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; widt=
h: 100%;"><tr><td align=3D"left" valign=3D"top" class=3D"r17-i nl2go-defaul=
t-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,sans-ser=
if; font-size: 16px; word-break: break-word; line-height: 20px; text-align:=
left;"> <div><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0c=
m;">=C2=A0</p><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0c=
m;"><span style=3D"font-family: Arial,sans-serif; font-size: 10.5pt;">I</sp=
an><span style=3D"color: #000000; font-family: Arial,sans-serif; font-size:=
10.5pt;">ncentivos fiscais, capitaliza=C3=A7=C3=A3o e apoios ao investimen=
to, s=C3=A3o algumas das medidas apresentadas no Programa do Governo e que =
representam algumas altera=C3=A7=C3=B5es substanciais e com impacto direto =
para as empresas portuguesas.=C2=A0</span></p><p style=3D"margin: 0; line-h=
eight: 18.0pt;"><span style=3D"color: #000000; font-family: Arial,sans-seri=
f; font-size: 10.5pt;">Entre as principais medidas, o executivo prop=C3=B5e=
-se a reduzir os impostos sobre as PME, al=C3=A9m de refor=C3=A7ar a capaci=
dade de dedu=C3=A7=C3=A3o =C3=A0 coleta em IRC dos lucros das empresas que =
invistam na economia.</span></p><p style=3D"margin: 0; line-height: 18.0pt;=
">=C2=A0</p><p style=3D"margin: 0; line-height: 18.0pt;"><span style=3D"col=
or: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;"><strong>Alg=
umas das principais medidas que podem ter impacto para as PME:</strong></sp=
an></p><p style=3D"margin: 0; line-height: 18.0pt;">=C2=A0</p><ul style=3D"=
margin: 0;"><li style=3D"margin: 0;"><span style=3D"color: #000000; font-fa=
mily: Arial,sans-serif; font-size: 10.5pt;">Redu=C3=A7=C3=A3o das taxas de =
IRC, com uma redu=C3=A7=C3=A3o gradual de dois pontos percentuais por ano (=
21% para 15% at=C3=A9 2027);</span></li><li style=3D"margin: 0;"><span styl=
e=3D"color: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;">Red=
uzir em 20% as tributa=C3=A7=C3=B5es aut=C3=B3nomas sobre viaturas das empr=
esas em sede de IRC;</span></li><li style=3D"margin: 0;"><span style=3D"col=
or: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;">Elimina=C3=
=A7=C3=A3o, de forma gradual, da progressividade da derrama estadual e da d=
errama municipal em sede de IRC;</span></li><li style=3D"margin: 0;"><span =
style=3D"color: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;"=
>Eliminar ou reduzir custos relativos =C3=A0 utiliza=C3=A7=C3=A3o de instru=
mentos de apoio =C3=A0 capitaliza=C3=A7=C3=A3o e =C3=A0 recapitaliza=C3=A7=
=C3=A3o como comiss=C3=B5es, taxas, emolumentos ou escrituras;</span></li><=
li style=3D"margin: 0;"><span style=3D"color: #000000; font-family: Arial,s=
ans-serif; font-size: 10.5pt;">Aplica=C3=A7=C3=A3o efetiva, acelera=C3=A7=
=C3=A3o e automatiza=C3=A7=C3=A3o da compensa=C3=A7=C3=A3o de cr=C3=A9ditos=
tribut=C3=A1rios;</span></li><li style=3D"margin: 0;"><span style=3D"color=
: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;">Implementar u=
ma conta-corrente de empresas com o Estado;=C2=A0</span></li><li style=3D"m=
argin: 0;"><span style=3D"color: #000000; font-family: Arial,sans-serif; fo=
nt-size: 10.5pt;">Garantir o pagamento de faturas a 30 dias pelo Estado;</s=
pan></li><li style=3D"margin: 0;"><span style=3D"color: #000000; font-famil=
y: Arial,sans-serif; font-size: 10.5pt;">Isen=C3=A7=C3=A3o de impostos e co=
ntribui=C3=A7=C3=B5es nos pr=C3=A9mios de desempenho, at=C3=A9 ao valor lim=
ite de um sal=C3=A1rio mensal (15=C2=BA m=C3=AAs livre de impostos).=C2=A0<=
/span></li></ul><p style=3D"margin: 0;">=C2=A0</p><p style=3D"margin: 0;"><=
span style=3D"color: #000000; font-family: Arial,sans-serif; font-size: 10.=
5pt;">Uma das medidas tamb=C3=A9m previstas pelo governo prende-se com o au=
mento do sal=C3=A1rio m=C3=ADnimo nacional (SMN).=C2=A0O novo executivo pre=
tende que o SMN aumente at=C3=A9 aos mil euros em 2028, comprometendo-se pa=
ra isso a fazer aumentos em linha com a infla=C3=A7=C3=A3o, acrescida dos g=
anhos de produtividade. Isto representa um aumento de 22% face ao valor atu=
al, ao longo de toda a legislatura. =C2=A0</span></p><p style=3D"margin: 0;=
line-height: 15.0pt; margin-bottom: 0cm;">=C2=A0</p><p style=3D"margin: 0;=
line-height: 15.0pt; margin-bottom: 0cm;"><span style=3D"color: #000000; f=
ont-family: Arial,sans-serif; font-size: 10.5pt;"><strong>Programa de Estab=
ilidade prev=C3=AA excedente de 0,3% do PIB em 2024, no entanto, n=C3=A3o i=
ncorpora o impacto de novas medidas decididas pelo Governo.=C2=A0</strong><=
/span></p><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0cm;">=
<br><span style=3D"color: #000000; font-family: Arial,sans-serif; font-size=
: 10.5pt;">O Governo apresentou as proje=C3=A7=C3=B5es macroec=C3=B3nimcas =
no =C3=A2mbito do Programa de Estabilidade para 2024-2028 (PE 2024-28). O e=
nquadramento previsto pelo Governo aponta para um=C2=A0<u>crescimento da ec=
onomia nacional a um ritmo m=C3=A9dio de 1,7% por ano</u>, entre 2024 e 202=
8. No entanto, o Governo acredita existir a possibilidade para exceder o ob=
jetivo de crescimento porque a base =C3=A9 a que estava no Or=C3=A7amento d=
o Estado 2024 que foi projetado pelo Governo anterior, que era menos otimis=
ta relativamente ao comportamento da economia.</span></p><p style=3D"margin=
: 0;">=C2=A0</p></div> </td> </tr></table><table cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation" width=3D"550" 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-bottom: 15px;=
padding-top: 15px;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCP=
zyXJTZ72iiLe50NmghZAWhIcmqabC/DxDNi2NpGbvy" target=3D"_blank" style=3D"colo=
r: #0092ff; text-decoration: underline;" sib_link_id=3D"1" templating=3D"n"=
> <img src=3D"https://img.marketing.raize.pt/im/sh/7yXGKl2P0dVz.png?u=3D92p=
JLo34vnrQtbCnrjCFd6bJy9gQscoUGKg" width=3D"550" title=3D"Raize Empresas" bo=
rder=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"1"></a> </t=
d> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation" width=3D"100%" align=3D"left" class=3D"r16-o" style=3D"t=
able-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=3D"top" cla=
ss=3D"r17-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-family: =
arial,helvetica,sans-serif; font-size: 16px; word-break: break-word; line-h=
eight: 20px; 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-se=
rif; font-size: 14px;"><span style=3D"color: black; font-family: Arial,sans=
-serif; font-size: 10.5pt;">A sustentar o crescimento previsto pelo Governo=
est=C3=A1 um=C2=A0<u>crescimento de 3,1% das exporta=C3=A7=C3=B5es</u>=C2=
=A0e um=C2=A0<u>aumento de 1,5% do consumo p=C3=BAblico</u>. Igualmente imp=
ortante para o crescimento da economia ser=C3=A1 o desempenho do mercado de=
trabalho que, segundo as previs=C3=B5es do Governo, dever=C3=A1 registar u=
ma=C2=A0<u>queda da taxa de desemprego</u>, passando de 6,7% em 2024 para 5=
,8% em 2028.</span></p><p style=3D"margin: 0; line-height: 15.0pt; margin-b=
ottom: 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; margin-bottom: 0cm;"><span style=3D"color: black; font-family: Arial,=
sans-serif; font-size: 10.5pt;">O Programa de Estabilidade prev=C3=AA ainda=
que a=C2=A0<u>infla=C3=A7=C3=A3o vai manter-se est=C3=A1vel na ordem dos 2=
% at=C3=A9 2028</u>.</span></p><p style=3D"margin: 0;">=C2=A0</p><p style=
=3D"margin: 0;"><span style=3D"color: black; font-family: Arial,sans-serif;=
font-size: 10.5pt;"><strong>Raize. Financiamento sustent=C3=A1vel de m=C3=
=A9dio/longo-prazo para apoiar a tesouraria e investimentos.</strong></span=
><br><br><span style=3D"color: black; font-family: Arial,sans-serif; font-s=
ize: 10.5pt;">Se procura meios financeiros para poder investir na sua empre=
sa, n=C3=A3o hesite em contactar-nos. Comece agora mesmo um=C2=A0<u>process=
o de consulta gratuito e sem compromisso</u>. A</span><span style=3D"backgr=
ound-color: transparent; color: rgb(0,0,0); font-size: 14px;">ceda a<strong=
> </strong></span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJ=
TZ7AVmNrLMTGMTJKJq5Vu6IDK/HmQMbtEnn63Z" style=3D"color: #0092ff; text-decor=
ation: underline;" sib_link_id=3D"2" templating=3D"n"><span style=3D"backgr=
ound-color: transparent; color: #ffcc00; font-size: 14px;"><strong><u>www.r=
aize.pt</u></strong></span></a><span style=3D"background-color: transparent=
; color: rgb(0,0,0); font-size: 14px;"> ou entre em contacto connosco atrav=
=C3=A9s do email </span><a href=3D"mailto:risco@raize.pt" style=3D"color: #=
0092ff; text-decoration: underline;"><span style=3D"background-color: trans=
parent; color: #ffcc00; font-size: 14px;"><strong><u>risco@raize.pt</u></st=
rong></span></a><span style=3D"background-color: transparent; color: rgb(0,=
0,0); 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 financiamento da Raize.=C2=A0</span><br><span=
style=3D"font-size: 14px;">=C2=A0</span><br><br><span style=3D"color: #000=
000; font-size: 14px;">Equipa Raize</span><br>=C2=A0<br><br><span style=3D"=
color: #000000; font-size: 11px;">---</span><br><span style=3D"background-c=
olor: transparent; color: rgb(0,0,0); font-size: 10px;">Financiamento sujei=
to a an=C3=A1lise. A Raize =C3=A9 um dos financiadores de refer=C3=AAncia d=
as PME em Portugal. A Raizecrowd, Lda =C3=A9 uma entidade autorizada e supe=
rvisionada pela CMVM. A Raize - Institui=C3=A7=C3=A3o de Pagamentos, S.A., =
Sociedade Aberta, =C3=A9 uma institui=C3=A7=C3=A3o de pagamentos autorizada=
e supervisionada pelo Banco de Portugal.</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"r20-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=
=3D"r4-i" style=3D"background-color: #ffffff; padding-bottom: 20px; padding=
-left: 20px; padding-right: 20px; padding-top: 20px;"> <table width=3D"100%=
" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><t=
r><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight: no=
rmal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pre=
sentation" width=3D"550" align=3D"center" class=3D"r11-o" style=3D"table-la=
yout: fixed; width: 550px;"><tr><td height=3D"46" align=3D"center" valign=
=3D"top" class=3D"r21-i nl2go-default-textstyle" style=3D"color: #3b3f44; f=
ont-family: arial,helvetica,sans-serif; font-size: 16px; line-height: 1.2; =
word-break: break-word;"> <!--[if mso]> <v:roundrect xmlns:v=3D"urn:schema=
s-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word" href=
=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIqQ4biYk2F3U6ysP1LzpS=
/b91HvhfCDGum" 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;"><st=
rong>COME=C3=87AR PROCESSO DE ESTUDO</strong></span><br><span style=3D"colo=
r:#050505;font-size:15px;">(gratuito e sem compromisso)</span></span></cent=
er> </div> </v:textbox> </v:roundrect> <![endif]--> <!--[if !mso]><!-- -->=
<a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIqQ4biYk2F3U6=
ysP1LzpS/b91HvhfCDGum" class=3D"r22-r default-button" target=3D"_blank" dat=
a-btn=3D"1" style=3D"font-style: normal; font-weight: normal; line-height: =
1.15; text-decoration: none; word-break: break-word; border-style: solid; w=
ord-wrap: break-word; display: block; -webkit-text-size-adjust: none; backg=
round-color: #ffcc00; border-bottom-color: #ffcc00; border-bottom-width: 20=
px; border-color: #ffcc00; border-left-color: #ffcc00; border-left-width: 2=
0px; border-radius: 10px; border-right-color: #ffcc00; border-right-width: =
20px; border-top-color: #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: #0=
50505;"><strong>COME=C3=87AR PROCESSO DE ESTUDO</strong></span><br><span st=
yle=3D"color: #050505; font-size: 15px;">(gratuito e sem compromisso)</span=
></span></a> <!--<![endif]--> </td> </tr></table></th> </tr></table></td> <=
/tr><tr class=3D"nl2go-responsive-hide"><td height=3D"1" style=3D"font-size=
: 1px; line-height: 1px;">=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"r23-i" style=3D"background-color: #ffffff; padding-bottom: 10=
px; padding-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpaddin=
g=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-weight: norma=
l;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presen=
tation" width=3D"100%" class=3D"r24-o" style=3D"table-layout: fixed; width:=
100%;"><tr><td valign=3D"top" class=3D"r25-i" style=3D"background-color: #=
fff4ce; padding-left: 15px; padding-right: 15px;"> <table width=3D"100%" ce=
llspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><t=
d class=3D"r26-c" align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0=
" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r27-o" style=
=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"center" valign=3D"t=
op" class=3D"r28-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-f=
amily: 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"colo=
r: #ffcc00; font-size: 32px;"><strong>Empresas distinguem a Raize pelo seu =
servi=C3=A7o de financiamento.</strong></span></p><p style=3D"margin: 0; fo=
nt-size: 26px;">=C2=A0</p></div> </td> </tr></table></td> </tr><tr><td clas=
s=3D"r29-c" align=3D"center" style=3D"font-size: 0px; line-height: 0px; val=
ign: top;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Q5u=
SHs4eDi0ndu7fI8bhRa/Jc1FHdMMuqxD" 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/OhoeWC7s30Lu.png?u=3D92pJLo34vnrQt=
izrtwSbiaH5iJTZfVvjxwo" width=3D"560" border=3D"0" style=3D"display: block;=
width: 100%;" sib_img_id=3D"2"></a> </td> </tr><tr><td class=3D"r30-c nl2g=
o-default-textstyle" align=3D"left" style=3D"color: #3b3f44; font-family: a=
rial,helvetica,sans-serif; font-size: 16px; word-break: break-word; backgro=
und-color: #fff4ce; line-height: 1; padding-top: 15px; text-align: left; va=
lign: 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 distinguida p=
ela CNBC e pela Statista, como uma das melhores Fintech a n=C3=ADvel mundia=
l no "<u>World's Top FinTech Companies</u>".=C2=A0</span></p><p style=3D"ma=
rgin: 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;">=C2=A0</p><p style=3D=
"margin: 0;"><span style=3D"color: #000000; 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.</span></p><p style=3D"margin: 0;">=C2=
=A0</p><p style=3D"margin: 0;">=C2=A0</p></div> </td> </tr></table></td> </=
tr></table></th> </tr></table></td> </tr></table><table cellspacing=3D"0" c=
ellpadding=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><t=
d class=3D"r12-i" style=3D"background-color: #ffffff;"> <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: n=
ormal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pr=
esentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout: fixed; wid=
th: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left: 15p=
x; padding-right: 15px;"> <table width=3D"100%" cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r31-c" align=
=3D"center" style=3D"font-size: 0px; line-height: 0px; padding-bottom: 15px=
; padding-top: 15px; valign: top;"> <a href=3D"http://r.marketing.raize.pt/=
mk/cl/f/sh/WCPzyXJTZ7XsyUV8QjhNmXnhGSBFrP3i/XfXDoMnUTWRT" target=3D"_blank"=
style=3D"color: #0092ff; text-decoration: underline;" sib_link_id=3D"5" te=
mplating=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/ezW_9DXg9w=
8w.png?u=3D92pJLo34vnrQtqmvw9ixo3wrSTGiSP2zfYw" width=3D"560" border=3D"0" =
style=3D"display: block; width: 100%;" sib_img_id=3D"3"></a> </td> </tr></t=
able></td> </tr></table></th> </tr></table></td> </tr></table></td> </tr></=
table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"prese=
ntation" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-lay=
out: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r1-i" style=3D"ba=
ckground-color: #ffffff;"> <table cellspacing=3D"0" cellpadding=3D"0" borde=
r=3D"0" role=3D"presentation" width=3D"590" align=3D"center" class=3D"r0-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" a=
lign=3D"center" class=3D"r11-o" style=3D"table-layout: fixed; width: 590px;=
"><tr><td height=3D"10" class=3D"r32-i" style=3D"font-size: 10px; line-heig=
ht: 10px; background-color: transparent;"> =C2=AD </td> </tr></table></th> =
</tr></table></td> </tr></table><table 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; width: 590px;"><tr><td valign=3D"top" c=
lass=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"table-layout: fixed; width: 100%;"><tr=
><td class=3D"r4-i" style=3D"background-color: #ffffff; padding-bottom: 20p=
x; padding-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"50%" valign=3D"t=
op" 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-left: 5px; padding-right: 5px;"> <table w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pres=
entation"><tr><td class=3D"r33-c nl2go-default-textstyle" align=3D"left" st=
yle=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: =
16px; line-height: 1.2; word-break: break-word; padding-left: 20px; padding=
-right: 20px; text-align: left; valign: top;"> <div><p style=3D"margin: 0; =
font-family: Arial,Helvetica,sans-serif; font-size: 14px; color: #888888;">=
<span>Raize<br>Rua Tierno Galvan - Amoreiras<br>Torre 3, 17=C2=BA piso<br>1=
070-274 Lisboa, Portugal<br><a href=3D"mailto:geral@raize.pt" style=3D"colo=
r: #0092ff; text-decoration: underline;"><span style=3D"text-decoration: un=
derline; color: rgb(255, 204, 0);">geral@raize.pt</span></a></span></p></di=
v> </td> </tr></table></td> </tr></table></th> <th width=3D"50%" 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-left: 5px; padding-right: 5px;"> <table w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pres=
entation"><tr><td class=3D"r34-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%" cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r34-c" align=3D"rig=
ht" style=3D"display: inline-block;"> <table cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation" width=3D"285" align=3D"right" cla=
ss=3D"r11-o" style=3D"table-layout: fixed; width: 285px;"><tr><td class=3D"=
r35-i" style=3D"padding-bottom: 2px; padding-left: 173px;"> <table width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentatio=
n"><tr><th width=3D"40" class=3D"r36-c mobshow resp-table" style=3D"font-we=
ight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation" width=3D"100%" class=3D"r37-o" style=3D"table-layout: fi=
xed; width: 100%;"><tr><td class=3D"r38-i" style=3D"font-size: 0px; line-he=
ight: 0px; padding-bottom: 5px; padding-top: 5px;"> <a href=3D"http://r.mar=
keting.raize.pt/mk/cl/f/sh/WCPzyXJTZ7fg2WiOmpB3YHxUPF4N76fq/4oQwm_ntML-n" t=
arget=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/wPcXfuNA7ogH.png?u=3D92pJLo34vnrQtyZzyMzJtXcdCd3rFIAFNB4" 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" cl=
ass=3D"r36-c mobshow resp-table" style=3D"font-weight: normal;"> <table cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
=3D"100%" class=3D"r37-o" style=3D"table-layout: fixed; width: 100%;"><tr><=
td class=3D"r38-i" style=3D"font-size: 0px; line-height: 0px; padding-botto=
m: 5px; padding-top: 5px;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/=
sh/WCPzyXJTZ7nT6Yvf8uejK27HY1xUMoHy/3umAtC0AG-iD" target=3D"_blank" style=
=3D"color: #0092ff; text-decoration: underline;" sib_link_id=3D"7" templati=
ng=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/S38BlJddtfmA.png=
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xt-align: center;"> <div><p style=3D"margin: 0;"><a href=3D"http://r.market=
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