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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?**
**Foi apresentado e aprovado, na Assembleia da República, o Programa do
Governo para os próximos 4 anos de legislatura. Dos impo [...]
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**Programa do Governo: o que****=C2=A0****muda para as PME portuguesas?**
**Foi apresentado e aprovado, na Assembleia da Rep=C3=BAblica, o Programa d=
o Governo para os pr=C3=B3ximos 4 anos de legislatura. Dos impostos =C3=A0 =
burocracia, passando pelo financiamento, pela internacionaliza=C3=A7=C3=A3o=
e pelos apoios =C3=A0 tesouraria, e****stas s=C3=A3o algumas das medidas q=
ue podem afetar diretamente a atividade das PME.**
=C2=A0
Incentivos fiscais, capitaliza=C3=A7=C3=A3o e apoios ao investimentos, 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
=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
**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 tamb=C3=A9m as proje=C3=A7=C3=B5es macroec=C3=B3nimcas=
no =C3=A2mbito do Programa de Estabilidade para 2024-2028 (PE 2024-28). O =
enquadramento previsto pelo Governo aponta para um=C2=A0crescimento da econ=
omia nacional a um ritmo m=C3=A9dio de 1,7% por ano, entre 2024 e 2028. No =
entanto, o Governo acredita existir a possibilidade para exceder o objetivo=
de crescimento porque a base =C3=A9 a que estava no Or=C3=A7amento do Esta=
do 2024 que foi projetado pelo Governo anterior, que era menos otimista rel=
ativamente ao comportamento da economia.=C2=A0=C2=A0
=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=
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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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o email [**risco@raize.pt**](mailto:risco@raize.pt)=C2=A0para para mais inf=
orma=C3=A7=C3=B5es=C2=A0sobre as linhas de financiamento da Raize.=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=
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iadores de refer=C3=AAncia das PME em Portugal.
=C2=A0
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tings> <o:AllowPNG/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:OfficeDocume=
ntSettings> </xml><![endif]--><style type=3D"text/css">a:link{color: #0092f=
f; text-decoration: underline;}</style></head><body bgcolor=3D"#ffffff" tex=
t=3D"#3b3f44" link=3D"#0092ff" yahoo=3D"fix" style=3D"background-color: #ff=
ffff; padding-top: 38px;"> <table cellpadding=3D"0" border=3D"0" cellspacin=
g=3D"0" style=3D" mso-hide: all; display: none;"><tr><td>Foi apresentado e =
aprovado o Programa do Governo para os pr=C3=B3ximos 4 anos. Estas s=C3=A3o=
algumas das medidas que podem afetar diretamente a atividade das PME.͏=
;‌ ͏‌ ͏‌ ͏‌ ͏&z=
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</tr></table> <!--[if mso]> <img width=3D"1" height=3D"1" src=3D"https://r.=
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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=
;"> <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"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/WCPzyXJTZ6uvg8ehKsvjL13w2wQvRkIc/F0aCs-oGM=
zuh" 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/g0fSFk5tV0GB.png?u=3D92pJLo34vnrQtTPlejoa8FdxQ35mWQx5Q26" 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>Foi apresentado e aprovado, na Assembleia da Rep=C3=BAblica,=
o Programa do Governo para os pr=C3=B3ximos 4 anos de legislatura. Dos imp=
ostos =C3=A0 burocracia, passando pelo financiamento, pela internacionaliza=
=C3=A7=C3=A3o e pelos apoios =C3=A0 tesouraria, e</strong></span><span styl=
e=3D"color: #FFCC00; font-family: Arial,sans-serif; font-size: 13.5pt;"><st=
rong>stas s=C3=A3o algumas das medidas que podem afetar diretamente a ativi=
dade das PME.</strong></span></p></div> </td> </tr></table></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"r15-i" style=3D"background-color: #ffffff; padding-bottom: 20px; paddin=
g-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"100=
%" valign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cel=
lspacing=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: 18.0pt;">=C2=A0</p><p sty=
le=3D"margin: 0; line-height: 18.0pt;"><span style=3D"color: #000000; font-=
family: Arial,sans-serif; font-size: 10.5pt;">Incentivos fiscais, capitaliz=
a=C3=A7=C3=A3o e apoios ao investimentos, s=C3=A3o algumas das medidas apre=
sentadas 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-height: 18.0pt;"><span style=3D"colo=
r: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;">Entre as pri=
ncipais medidas, o executivo prop=C3=B5e-se a reduzir os impostos sobre as =
PME, al=C3=A9m de refor=C3=A7ar a capacidade de dedu=C3=A7=C3=A3o =C3=A0 co=
leta em IRC dos lucros das empresas que invistam na economia.=C2=A0</span><=
/p><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;"><strong=
>Algumas das principais medidas que podem ter impacto para as PME:</strong>=
</span></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; fon=
t-family: 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 a=
no (21% para 15% at=C3=A9 2027);</span></li><li style=3D"margin: 0;"><span =
style=3D"color: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;"=
>Reduzir em 20% as tributa=C3=A7=C3=B5es aut=C3=B3nomas sobre viaturas das =
empresas 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;">Elimina=
=C3=A7=C3=A3o, de forma gradual, da progressividade da derrama estadual e d=
a derrama municipal em sede de IRC;</span></li><li style=3D"margin: 0;"><sp=
an style=3D"color: #000000; font-family: Arial,sans-serif; font-size: 10.5p=
t;">Eliminar ou reduzir custos relativos =C3=A0 utiliza=C3=A7=C3=A3o de ins=
trumentos 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></l=
i><li style=3D"margin: 0;"><span style=3D"color: #000000; font-family: Aria=
l,sans-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=A9di=
tos tribut=C3=A1rios;</span></li><li style=3D"margin: 0;"><span style=3D"co=
lor: #000000; font-family: Arial,sans-serif; font-size: 10.5pt;">Implementa=
r uma conta-corrente de empresas com o Estado;=C2=A0</span></li><li style=
=3D"margin: 0;"><span style=3D"color: #000000; font-family: Arial,sans-seri=
f; font-size: 10.5pt;">Garantir o pagamento de faturas a 30 dias pelo Estad=
o;</span></li><li style=3D"margin: 0;"><span style=3D"color: #000000; font-=
family: Arial,sans-serif; font-size: 10.5pt;">Isen=C3=A7=C3=A3o de impostos=
e contribui=C3=A7=C3=B5es nos pr=C3=A9mios de desempenho, at=C3=A9 ao valo=
r limite 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-si=
ze: 10.5pt;">Uma das medidas tamb=C3=A9m previstas pelo governo prende-se c=
om o aumento do sal=C3=A1rio m=C3=ADnimo nacional (SMN).=C2=A0O novo execut=
ivo pretende que o SMN aumente at=C3=A9 aos mil euros em 2028, comprometend=
o-se para isso a fazer aumentos em linha com a infla=C3=A7=C3=A3o, acrescid=
a dos ganhos de produtividade. Isto representa um aumento de 22% face ao va=
lor atual, ao longo de toda a legislatura.</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 tamb=C3=A9m as proje=C3=A7=C3=B5es macroec=
=C3=B3nimcas no =C3=A2mbito do Programa de Estabilidade para 2024-2028 (PE =
2024-28). O enquadramento previsto pelo Governo aponta para um=C2=A0<u>cres=
cimento da economia nacional a um ritmo m=C3=A9dio de 1,7% por ano</u>, ent=
re 2024 e 2028. No entanto, o Governo acredita existir a possibilidade para=
exceder o objetivo de crescimento porque a base =C3=A9 a que estava no Or=
=C3=A7amento do Estado 2024 que foi projetado pelo Governo anterior, que er=
a menos otimista relativamente ao comportamento da economia.=C2=A0</span>=
=C2=A0</p><p style=3D"margin: 0;">=C2=A0</p></div> </td> </tr></table><tabl=
e cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" wi=
dth=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.marke=
ting.raize.pt/mk/cl/f/sh/WCPzyXJTZ72ikArxgyPP6lDjBjK2hRuk/3fBpbtjv6AMs" tar=
get=3D"_blank" style=3D"color: #0092ff; text-decoration: underline;" sib_li=
nk_id=3D"1" templating=3D"n"> <img src=3D"https://img.marketing.raize.pt/im=
/sh/0zm_tRwupQq_.png?u=3D92pJLo34vnrQtbCpgx4wDjJjACsvJK4L7eE" width=3D"550"=
title=3D"Raize Empresas" border=3D"0" style=3D"display: block; width: 100%=
;" sib_img_id=3D"1"></a> </td> </tr></table><table cellspacing=3D"0" cellpa=
dding=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" class=3D"r17-i nl2go-default-textstyle" style=3D"c=
olor: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; wo=
rd-break: break-word; line-height: 20px; text-align: left;"> <div><p style=
=3D"margin: 0; color: #3c4858; font-family: 'Arial',Helvetica,sans-serif; f=
ont-size: 14px;">=C2=A0</p><p style=3D"margin: 0; color: #3c4858; font-fami=
ly: 'Arial',Helvetica,sans-serif; font-size: 14px;"><span style=3D"color: b=
lack; font-family: Arial,sans-serif; font-size: 10.5pt;">A sustentar o cres=
cimento 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 importante para o crescimento da economia ser=C3=
=A1 o desempenho do mercado de trabalho que, segundo as previs=C3=B5es do G=
overno, dever=C3=A1 registar uma=C2=A0<u>queda da taxa de desemprego</u>, p=
assando de 6,7% em 2024 para 5,8% em 2028.</span></p><p style=3D"margin: 0;=
line-height: 15.0pt; margin-bottom: 0cm;"><span style=3D"color: #3C4858; f=
ont-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"col=
or: 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"ma=
rgin: 0;">=C2=A0</p><p style=3D"margin: 0;"><span style=3D"color: black; fo=
nt-family: Arial,sans-serif; font-size: 10.5pt;"><strong>Raize. Financiamen=
to sustent=C3=A1vel de m=C3=A9dio/longo-prazo para apoiar a tesouraria e in=
vestimentos.</strong></span><br><br><span style=3D"color: black; font-famil=
y: Arial,sans-serif; font-size: 10.5pt;">Se procura meios financeiros para =
poder investir na sua empresa, n=C3=A3o hesite em contactar-nos. Comece ago=
ra mesmo um=C2=A0<u>processo de consulta gratuito e sem compromisso</u>. A<=
/span><span style=3D"background-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/WCPzyXJTZ7AVoD5E33t4sVNWKWD9x9Ws/8HZe5pc71w6q" style=3D=
"color: #0092ff; text-decoration: underline;" sib_link_id=3D"2" templating=
=3D"n"><span style=3D"background-color: transparent; color: #ffcc00; font-s=
ize: 14px;"><strong><u>www.raize.pt</u></strong></span></a><span style=3D"b=
ackground-color: transparent; color: rgb(0,0,0); font-size: 14px;"> ou entr=
e em contacto connosco atrav=C3=A9s do email </span><a href=3D"mailto:risco=
@raize.pt" style=3D"color: #0092ff; text-decoration: underline;"><span styl=
e=3D"background-color: transparent; color: #ffcc00; font-size: 14px;"><stro=
ng><u>risco@raize.pt</u></strong></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 Ra=
ize.=C2=A0</span><br><span style=3D"font-size: 14px;">=C2=A0</span><br><br>=
<span style=3D"color: #000000; 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-color: transparent; color: rgb(0,0,0); font-size: =
10px;">Financiamento sujeito a an=C3=A1lise. A Raize =C3=A9 um dos financia=
dores de refer=C3=AAncia das PME em Portugal. A Raizecrowd, Lda =C3=A9 uma =
entidade 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=A3=
o de pagamentos autorizada e supervisionada pelo Banco de Portugal.</span><=
/p></div> </td> </tr></table></th> </tr></table></td> </tr></table><table c=
ellspacing=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; wi=
dth: 100%;"><tr><td class=3D"r4-i" style=3D"background-color: #ffffff; padd=
ing-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 20p=
x;"> <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"presentation" width=3D"550" align=3D"center" class=3D=
"r11-o" style=3D"table-layout: fixed; width: 550px;"><tr><td height=3D"46" =
align=3D"center" valign=3D"top" class=3D"r21-i nl2go-default-textstyle" sty=
le=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 1=
6px; line-height: 1.2; word-break: break-word;"> <!--[if mso]> <v:roundrec=
t xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsof=
t-com:office:word" href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ=
7IIsFIUP9MkeFXJTJ6HCr90/09wbLhuDCXQX" 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 s=
tyle=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 compromis=
so)</span></span></center> </div> </v:textbox> </v:roundrect> <![endif]--> =
<!--[if !mso]><!-- --> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/W=
CPzyXJTZ7IIsFIUP9MkeFXJTJ6HCr90/09wbLhuDCXQX" class=3D"r22-r default-button=
" target=3D"_blank" data-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; word-wrap: break-word; display: block; -webkit-text-s=
ize-adjust: none; background-color: #ffcc00; border-bottom-color: #ffcc00; =
border-bottom-width: 20px; border-color: #ffcc00; border-left-color: #ffcc0=
0; border-left-width: 20px; border-radius: 10px; border-right-color: #ffcc0=
0; border-right-width: 20px; border-top-color: #ffcc00; border-top-width: 2=
0px; border-width: 15px; color: #ffffff; font-family: arial,helvetica,sans-=
serif; font-size: 16px; height: 46px; mso-hide: all; padding-left: 5px; pad=
ding-right: 5px; width: 510px;" sib_link_id=3D"3" templating=3D"n"> <span><=
span style=3D"color: #050505;"><strong>COME=C3=87AR PROCESSO DE ESTUDO</str=
ong></span><br><span style=3D"color: #050505; font-size: 15px;">(gratuito e=
sem compromisso)</span></span></a> <!--<![endif]--> </td> </tr></table></t=
h> </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"presentati=
on" 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: #ff=
ffff; padding-bottom: 10px; padding-top: 20px;"> <table width=3D"100%" cell=
spacing=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: #ff=
f4ce; font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0" role=3D"presentation" width=3D"100%" class=3D"r24-o" style=3D"tab=
le-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r25-i" styl=
e=3D"background-color: #fff4ce; padding-left: 15px; padding-right: 15px;"> =
<table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation"><tr><td class=3D"r26-c" align=3D"left"> <table cellspacin=
g=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"top" class=3D"r28-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: 26p=
x;"><span style=3D"color: #ffcc00; font-size: 32px;"><strong>Empresas disti=
nguem 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"r29-c nl2go-default-textstyle" align=3D"left" s=
tyle=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size:=
16px; word-break: break-word; background-color: #fff4ce; line-height: 1; p=
adding-top: 15px; text-align: left; valign: top;"> <div><p style=3D"margin:=
0;"><span style=3D"color: #000000; font-size: 14px;">A Raize foi distingui=
da pela CNBC e pela Statista, como uma das melhores Fintech a n=C3=ADvel mu=
ndial no <strong>"<u>World's Top FinTech Companies</u>"</strong>.=C2=A0</sp=
an></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 <strong>"<u>Marca N=C2=BA1 na Escolha dos Profissionais</u>"<=
/strong> e distinguida com o <strong>"<u>Pr=C3=A9mio Cinco Estrelas</u>"</s=
trong> 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 s=
tyle=3D"color: #000000; font-size: 14px;">Estes pr=C3=A9mios refletem o ele=
vado 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 PM=
E em Portugal.</span></p><p style=3D"margin: 0;">=C2=A0</p></div> </td> </t=
r><tr><td class=3D"r30-c" align=3D"center" style=3D"font-size: 0px; line-he=
ight: 0px; padding-bottom: 15px; valign: top;"> <a href=3D"http://r.marketi=
ng.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Q5wHVklEqQPzh6c5zOSYl8/VtHRFv8BmQX7" targe=
t=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/s=
h/d_KCizwQ6Xpa.png?u=3D92pJLo34vnrQtiztjALIJCzUuMg46DBapGM" width=3D"560" b=
order=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"2"></a> </=
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: fi=
xed; width: 100%;"><tr><td class=3D"r12-i" style=3D"background-color: #ffff=
ff;"> <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"presentation" width=3D"100%" class=3D"r6-o" style=3D=
"table-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r7-i" s=
tyle=3D"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"r31-c" align=3D"center" style=3D"font-size: 0px; line-height: 0p=
x; padding-bottom: 15px; padding-top: 15px; valign: top;"> <a href=3D"http:=
//r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Xt0Jj17KK6BjqtkssViGNG/TUVnEV-2=
3A2d" target=3D"_blank" style=3D"color: #0092ff; text-decoration: underline=
;" sib_link_id=3D"5" templating=3D"n"> <img src=3D"https://img.marketing.ra=
ize.pt/im/sh/VAkTBuV9f4bJ.png?u=3D92pJLo34vnrQtqmxlNbeOgfGeWTCt6IqWsU" widt=
h=3D"560" border=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D=
"3"></a> </td> </tr></table></td> </tr></table></th> </tr></table></td> </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 valign=3D"top" cla=
ss=3D"r1-i" style=3D"background-color: #ffffff;"> <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><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"present=
ation" width=3D"590" align=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-height: 10px; background-color: transparent;"> =C2=AD </t=
d> </tr></table></th> </tr></table></td> </tr></table><table cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"590" alig=
n=3D"center" class=3D"r0-o" style=3D"table-layout: fixed; width: 590px;"><t=
r><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"table-layout: fi=
xed; width: 100%;"><tr><td class=3D"r4-i" style=3D"background-color: #fffff=
f; padding-bottom: 20px; padding-top: 20px;"> <table width=3D"100%" cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th wid=
th=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-r=
ight: 5px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bord=
er=3D"0" role=3D"presentation"><tr><td class=3D"r33-c nl2go-default-textsty=
le" align=3D"left" style=3D"color: #3b3f44; font-family: arial,helvetica,sa=
ns-serif; font-size: 16px; line-height: 1.2; word-break: break-word; paddin=
g-left: 20px; padding-right: 20px; text-align: left; valign: top;"> <div><p=
style=3D"margin: 0; font-family: Arial,Helvetica,sans-serif; font-size: 14=
px; color: #888888;"><span>Raize<br>Rua Tierno Galvan - Amoreiras<br>Torre =
3, 17=C2=BA piso<br>1070-274 Lisboa, Portugal<br><a href=3D"mailto:geral@ra=
ize.pt" style=3D"color: #0092ff; text-decoration: underline;"><span style=
=3D"text-decoration: underline; color: rgb(255, 204, 0);">geral@raize.pt</s=
pan></a></span></p></div> </td> </tr></table></td> </tr></table></th> <th w=
idth=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"presentatio=
n" 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 width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bo=
rder=3D"0" role=3D"presentation"><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: fixe=
d; 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"right" style=3D"display: inline-block;"> <table cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"28=
5" align=3D"right" class=3D"r11-o" style=3D"table-layout: fixed; width: 285=
px;"><tr><td class=3D"r35-i" style=3D"padding-bottom: 2px; padding-left: 17=
3px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0" role=3D"presentation"><tr><th width=3D"40" class=3D"r36-c mobshow resp-t=
able" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r37-o" st=
yle=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r38-i" style=3D"=
font-size: 0px; line-height: 0px; padding-bottom: 5px; padding-top: 5px;"> =
<a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7fg4LwHTPnlxU0gt=
flcxxzO/48aeIQr7Sgo3" target=3D"_blank" style=3D"color: #0092ff; text-decor=
ation: underline;" sib_link_id=3D"6" templating=3D"n"> <img src=3D"https://=
img.marketing.raize.pt/im/sh/oW7-ivF7m-u0.png?u=3D92pJLo34vnrQtya1nas0UAL2O=
gGLfzQ6EUc" 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" class=3D"r36-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: fix=
ed; width: 100%;"><tr><td class=3D"r38-i" style=3D"font-size: 0px; line-hei=
ght: 0px; padding-bottom: 5px; padding-top: 5px;"> <a href=3D"http://r.mark=
eting.raize.pt/mk/cl/f/sh/WCPzyXJTZ7nT8O9XpVHRjEAU2SekDfbW/47fINOftyIvH" ta=
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