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Content preview: **Precisa de reforçar a sua tesouraria para investir e crescer
mais** **.** ===== **Os pagamentos a horas continuam a ser um dos problemas
do setor empresarial português e afetam, em muitos casos, a [...]
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**Precisa de refor=C3=A7ar a sua tesouraria para investir e crescer mais**
**.**
=3D=3D=3D=3D=3D
**Os pagamentos a horas continuam a ser um dos problemas do setor empresari=
al portugu=C3=AAs e afetam, em muitos casos, a capacidade de investimento. =
Na Raize as empresas podem obter financiamento de forma simples e r=C3=A1pi=
da para apoiar eventuais constrangimentos de liquidez.**
=C2=A0
**O atraso nos recebimentos e a falta de tesouraria das PME limita o potenc=
ial para investir...**
=C2=A0
A realidade mostra-nos que o atraso nos recebimentos e os constrangimentos =
de liquidez continuam a ser um dos problemas do setor empresarial portugu=
=C3=AAs e que afetam, em muitos casos, a capacidade de investimento das emp=
resas (em particular das mais pequenas). Em 2023, cerca de 65% das empresas=
portuguesas dizem ter sofrido o =E2=80=9Cimpacto negativo da morosidade de=
recebimentos=E2=80=9D nos seus resultados. Este =C3=A9 um dos dados mais r=
elevantes extra=C3=ADdos do Estudo de Gest=C3=A3o de Risco de Cr=C3=A9dito =
em Portugal, impulsionado pela Iberinform.
=C2=A0
Os principais riscos apontados para os atrasos de recebimentos por parte do=
s clientes s=C3=A3o:=C2=A0
- aumento geral da infla=C3=A7=C3=A3o (51%);=20
- aumento dos custos financeiros (47%);=20
- custos com a energia (33%);=20
- m=C3=A1 evolu=C3=A7=C3=A3o da procura (27%);=C2=A0=20
- tens=C3=B5es geopol=C3=ADticas (26%);=20
- problemas na cadeia de abastecimento (20%).=20
Segundo dados de um estudo da Informa D&B, grande parte das empresas portug=
uesas paga com um atraso m=C3=A9dio de 23 dias, sendo que apenas=C2=A0**18%=
**=C2=A0cumprem em m=C3=A9dia com os prazos.
=C2=A0
Estes n=C3=BAmeros mostram como =C3=A9 importante fazer uma boa gest=C3=A3o=
de tesouraria - capaz de suportar eventuais deslizes de clientes sem compr=
ometer a atividade da empresa. Uma das estrat=C3=A9gias para contornar este=
obst=C3=A1culo, =C3=A9 refor=C3=A7ar a tesouraria com recurso a financiame=
nto externo.
=C2=A0
**Na Raize as empresas podem obter financiamento de forma simples e r=C3=A1=
pida para apoiar eventuais constrangimentos de liquidez.**
=C2=A0
Mais do que nunca, acelerar a digitaliza=C3=A7=C3=A3o, garantir a resili=C3=
=AAncia, apostar na sustentabilidade e na melhoria dos processos de venda s=
=C3=A3o alguns dos desenvolvimentos de mudan=C3=A7a que podem conduzir a um=
crescimento mais pr=C3=B3spero.
=C2=A0
Por isso, se procura num novo financiamento para apoiar a sua atividade, co=
mece por pensar sobre estas 3 quest=C3=B5es:
=C2=A0
- **Qual o montante que realmente preciso?**=C2=A0A maioria das empresas po=
rtuguesas obt=C3=A9m empr=C3=A9stimos entre os 25 e os 50 mil euros. Um nov=
o financiamento n=C3=A3o deve exceder (tipicamente) os 25% do total de fatu=
ra=C3=A7=C3=A3o anual de uma empresa.=20
=C2=A0
- **Quanto posso (e quero) pagar por m=C3=AAs?**=C2=A0Al=C3=A9m do montante=
, =C3=A9 importante perceber quanto consegue pagar por m=C3=AAs para amorti=
zar o empr=C3=A9stimo. Pense nas boas alturas e tamb=C3=A9m nas menos boas =
da sua empresa. =C3=89 importante que se sinta confort=C3=A1vel com o valor=
da presta=C3=A7=C3=A3o mensal - em ambos os momentos.=20
=C2=A0
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Fa=C3=A7a hoje uma=C2=A0consulta totalmente gratuita e sem compromisso=C2=
=A0e obtenha financiamento para tesouraria e investimento.=C2=A0Visite-nos =
em [**www.raize.pt**](https://www.raize.pt/empresas/financiamento-credito "=
Raize Financiamento PME") ou entre em contacto connosco atrav=C3=A9s do **3=
08 812 518** para mais informa=C3=A7=C3=B5es=C2=A0sobre as linhas de financ=
iamento da Raize.
=C2=A0
Equipa Raize
---
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.
=C2=A0
=C2=A0
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**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=
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=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
=C2=A0
A=C2=A0Raize foi distinguida pela CNBC e pela Statista, como uma das melhor=
es Fintech a n=C3=ADvel mundial no "**World's Top FinTech Companies**".
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 =
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=C2=A0
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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.
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.=
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none; float: none; font-size: 0; height: 0; line-height: 0; max-height: 0; =
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G/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:OfficeDocumentSettings> </xml=
><![endif]--><style type=3D"text/css">a:link{color: #fc0; font-style: norma=
l; font-weight: bold; text-decoration: underline;}</style></head><body bgco=
lor=3D"#ffffff" text=3D"#3b3f44" link=3D"#ffcc00" yahoo=3D"fix" style=3D"ba=
ckground-color: #ffffff; padding-top: 38px;"> <table cellpadding=3D"0" bord=
er=3D"0" cellspacing=3D"0" style=3D" mso-hide: all; display: none;"><tr><td=
>O incumprimento de pagamentos gera importantes tens=C3=B5es de liquidez e =
=C3=A9 especialmente desestabilizador das opera=C3=A7=C3=B5es para as empre=
sas de menor dimens=C3=A3o.͏‌ ͏‌ ͏‌=
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nj; ͏‌ </td></tr></table> <!--[if mso]> <img width=3D"1=
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<!--[if !mso]> <!----> <img style=3D"display:none" src=3D"https://r.market=
ing.raize.pt/mk/op/sh/WCPxRrf2SE93WGxD1BvKICSLZ3BWrq8w/w_oU7P2D_fbC" /> <!-=
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e=3D"presentation" class=3D"nl2go-body-table" width=3D"100%" style=3D"backg=
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/bGlt5QSwf=
r-g" target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-weigh=
t: bold; text-decoration: underline;" sib_link_id=3D"0" templating=3D"n"> <=
img src=3D"https://img.marketing.raize.pt/im/sh/Qw6CeR53-9BR.png?u=3D92pJLo=
34vnrQtTPlejoa8FdxQ35mWQx5Q26" width=3D"200" alt=3D"Raize" border=3D"0" sty=
le=3D"display: block; width: 100%;" sib_img_id=3D"0"></a> </td> </tr></tabl=
e></td> </tr></table></td> </tr></table></th> </tr></table></td> </tr><tr c=
lass=3D"nl2go-responsive-hide"><td height=3D"20" style=3D"font-size: 20px; =
line-height: 20px;">=C2=AD</td> </tr></table><table cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"cen=
ter" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td cl=
ass=3D"r12-i" style=3D"background-color: #ffffff; padding-left: 20px; paddi=
ng-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" c=
lass=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cell=
padding=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" clas=
s=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; line-height: 1.2; word-break: break-word; padding-bottom: 10px; padding-=
top: 10px; text-align: left; valign: top;"> <div><p style=3D"margin: 0; col=
or: #3c4858; font-family: Arial,Helvetica,sans-serif; font-size: 24px;"><sp=
an style=3D"color: black; font-family: Arial,sans-serif; font-size: 36.0pt;=
"><strong>Precisa de refor=C3=A7ar a sua tesouraria para investir e crescer=
mais</strong></span><span style=3D"color: #000000; font-size: 48px;"><stro=
ng>.</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; padding-right: 20p=
x; 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=
" 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"r13-c nl2go-default-textstyle" align=3D"left" st=
yle=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: =
16px; word-break: break-word; line-height: 24px; padding-bottom: 10px; padd=
ing-top: 10px; text-align: left; valign: top;"> <div><p style=3D"margin: 0;=
color: #3c4858; font-family: 'Arial',Helvetica,sans-serif; font-size: 24px=
;"><span style=3D"color: #FFCC00; font-family: Arial,sans-serif; font-size:=
13.5pt;"><strong>Os pagamentos a horas continuam a ser um dos problemas do=
setor empresarial portugu=C3=AAs e afetam, em muitos casos, a capacidade d=
e investimento. Na Raize as empresas podem obter financiamento de forma sim=
ples e r=C3=A1pida para apoiar eventuais constrangimentos de liquidez.</str=
ong></span></p></div> </td> </tr></table></td> </tr></table></th> </tr></ta=
ble></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" s=
tyle=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r12-i" style=3D=
"background-color: #ffffff; padding-left: 20px; padding-right: 20px;"> <tab=
le 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%" align=3D"left" class=3D"r15-o" =
style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=
=3D"top" class=3D"r16-i nl2go-default-textstyle" style=3D"color: #3b3f44; f=
ont-family: arial,helvetica,sans-serif; font-size: 16px; word-break: break-=
word; line-height: 20px; text-align: left;"> <div><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>O atraso nos recebimentos e =
a falta de tesouraria das PME limita o potencial para investir...</strong><=
/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: black; font-family: Arial,sans-serif; font-size: 10.5=
pt;">A realidade mostra-nos que o atraso nos recebimentos e os constrangime=
ntos de liquidez continuam a ser um dos problemas do setor empresarial port=
ugu=C3=AAs e que afetam, em muitos casos, a capacidade de investimento das =
empresas (em particular das mais pequenas). Em 2023, cerca de 65% das empre=
sas portuguesas dizem ter sofrido o =E2=80=9Cimpacto negativo da morosidade=
de recebimentos=E2=80=9D nos seus resultados. Este =C3=A9 um dos dados mai=
s relevantes extra=C3=ADdos do Estudo de Gest=C3=A3o de Risco de Cr=C3=A9di=
to em Portugal, impulsionado pela Iberinform.</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: black; =
font-family: Arial,sans-serif; font-size: 10.5pt;">Os principais riscos apo=
ntados para os atrasos de recebimentos por parte dos clientes s=C3=A3o:=C2=
=A0</span></p><ul style=3D"margin: 0; list-style-type: disc;"><li style=3D"=
margin: 0;"><span style=3D"color: black; font-family: Arial,sans-serif; fon=
t-size: 10.5pt;">aumento geral da infla=C3=A7=C3=A3o (51%);</span></li><li =
style=3D"margin: 0;"><span style=3D"color: black; font-family: Arial,sans-s=
erif; font-size: 10.5pt;">aumento dos custos financeiros (47%);</span></li>=
<li style=3D"margin: 0;"><span style=3D"color: black; font-family: Arial,sa=
ns-serif; font-size: 10.5pt;">custos com a energia (33%);</span></li><li st=
yle=3D"margin: 0;"><span style=3D"color: black; font-family: Arial,sans-ser=
if; font-size: 10.5pt;">m=C3=A1 evolu=C3=A7=C3=A3o da procura (27%);=C2=A0<=
/span></li><li style=3D"margin: 0;"><span style=3D"color: black; font-famil=
y: Arial,sans-serif; font-size: 10.5pt;">tens=C3=B5es geopol=C3=ADticas (26=
%);</span></li><li style=3D"margin: 0;"><span style=3D"color: black; font-f=
amily: Arial,sans-serif; font-size: 10.5pt;">problemas na cadeia de abastec=
imento (20%).</span></li></ul><p style=3D"margin: 0;"><br><span style=3D"co=
lor: black; font-family: Arial,sans-serif; font-size: 10.5pt;">Segundo dado=
s de um estudo da Informa D&B, grande parte das empresas portuguesas paga c=
om um atraso m=C3=A9dio de 23 dias, sendo que apenas=C2=A0<strong>18%</stro=
ng>=C2=A0cumprem em m=C3=A9dia com os prazos.</span></p><p style=3D"margin:=
0;">=C2=A0</p></div> </td> </tr></table><table cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" role=3D"presentation" width=3D"550" align=3D"center" =
class=3D"r17-o" style=3D"table-layout: fixed; width: 550px;"><tr><td class=
=3D"r18-i" style=3D"font-size: 0px; line-height: 0px; padding-bottom: 15px;=
padding-top: 15px;"> <img src=3D"https://img.marketing.raize.pt/im/sh/l99A=
3_XvepBN.png?u=3D92pJLo34vnrQtbCpgx4wDjJjACsvJK4L7eE" width=3D"550" border=
=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"1"></td> </tr><=
/table></th> </tr></table></td> </tr></table><table cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"cen=
ter" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td cl=
ass=3D"r19-i" style=3D"background-color: #ffffff; padding-bottom: 20px; pad=
ding-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;"> <ta=
ble cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" =
width=3D"100%" align=3D"left" class=3D"r15-o" style=3D"table-layout: fixed;=
width: 100%;"><tr><td align=3D"left" valign=3D"top" class=3D"r16-i nl2go-d=
efault-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,san=
s-serif; font-size: 16px; word-break: break-word; line-height: 20px; text-a=
lign: left;"> <div><p style=3D"margin: 0; color: #3c4858; font-family: 'Ari=
al',Helvetica,sans-serif; font-size: 14px;"><span style=3D"color: black; fo=
nt-family: Arial,sans-serif; font-size: 10.5pt;">Estes n=C3=BAmeros mostram=
como =C3=A9 importante fazer uma boa gest=C3=A3o de tesouraria - capaz de =
suportar eventuais deslizes de clientes sem comprometer a atividade da empr=
esa. Uma das estrat=C3=A9gias para contornar este obst=C3=A1culo, =C3=A9 re=
for=C3=A7ar a tesouraria com recurso a financiamento externo.</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: black; font-family: Arial,sans-serif; font-size: 10.5pt;"><stron=
g>Na Raize as empresas podem obter financiamento de forma simples e r=C3=A1=
pida para apoiar eventuais constrangimentos de liquidez.</strong></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 sty=
le=3D"color: black; font-family: Arial,sans-serif; font-size: 10.5pt;">Mais=
do que nunca, acelerar a digitaliza=C3=A7=C3=A3o, garantir a resili=C3=AAn=
cia, apostar na sustentabilidade e na melhoria dos processos de venda s=C3=
=A3o alguns dos desenvolvimentos de mudan=C3=A7a que podem conduzir a um cr=
escimento mais pr=C3=B3spero.</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: black; font-family: Ari=
al,sans-serif; font-size: 10.5pt;">Por isso, se procura num novo financiame=
nto para apoiar a sua atividade, comece por pensar sobre estas 3 quest=C3=
=B5es:</span></p><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom:=
0cm;">=C2=A0</p><ul style=3D"margin: 0;"><li style=3D"margin: 0;"><span st=
yle=3D"color: black; font-family: Arial,sans-serif; font-size: 10.5pt;"><st=
rong>Qual o montante que realmente preciso?</strong>=C2=A0A maioria das emp=
resas portuguesas obt=C3=A9m empr=C3=A9stimos entre os 25 e os 50 mil euros=
. Um novo financiamento n=C3=A3o deve exceder (tipicamente) os 25% do total=
de fatura=C3=A7=C3=A3o anual de uma empresa.</span></li></ul><p style=3D"m=
argin: 0;">=C2=A0</p><ul style=3D"margin: 0;"><li style=3D"margin: 0;"><spa=
n style=3D"color: black; font-family: Arial,sans-serif; font-size: 10.5pt;"=
><strong>Quanto posso (e quero) pagar por m=C3=AAs?</strong>=C2=A0Al=C3=A9m=
do montante, =C3=A9 importante perceber quanto consegue pagar por m=C3=AAs=
para amortizar o empr=C3=A9stimo. Pense nas boas alturas e tamb=C3=A9m nas=
menos boas da sua empresa. =C3=89 importante que se sinta confort=C3=A1vel=
com o valor da presta=C3=A7=C3=A3o mensal - em ambos os momentos.</span></=
li></ul><p style=3D"margin: 0;">=C2=A0</p><ul style=3D"margin: 0;"><li styl=
e=3D"margin: 0;"><span style=3D"color: black; font-family: Arial,sans-serif=
; font-size: 10.5pt;"><strong>Tenho as minhas contas em dia?</strong>=C2=A0=
Para obter financiamento tem de ter as suas contas em dia. Isto significa n=
=C3=A3o estar em atraso com os Bancos/Raize, Seguran=C3=A7a Social e Autori=
dade Tribut=C3=A1ria (exceto se tiver um plano aprovado e a ser cumprido). =
Para obter informa=C3=A7=C3=A3o atualizada sobre a sua exposi=C3=A7=C3=A3o =
banc=C3=A1ria, consulte o seu mapa de responsabilidades no s=C3=ADtio do=C2=
=A0</span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ72ikAr=
xgyPP6lDjBjK2hRuk/jVFQqvELu1hK" target=3D"_blank" style=3D"color: #fc0; fon=
t-style: normal; font-weight: bold; text-decoration: underline;" sib_link_i=
d=3D"1" templating=3D"n"><span style=3D"color: #ffcc00; font-family: Arial,=
sans-serif; font-size: 10.5pt;">Banco de Portugal</span></a><span style=3D"=
color: black; font-family: Arial,sans-serif; font-size: 10.5pt;">. Mantenha=
tamb=C3=A9m atualizadas as suas certid=C3=B5es de n=C3=A3o d=C3=ADvida =C3=
=A0=C2=A0</span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ=
7AVoD5E33t4sVNWKWD9x9Ws/9IDW7kDw1Ysr" style=3D"color: #fc0; font-style: nor=
mal; font-weight: bold; text-decoration: underline;" sib_link_id=3D"2" temp=
lating=3D"n"><span style=3D"color: #ffcc00; font-family: Arial,sans-serif; =
font-size: 10.5pt;">Autoridade Tribut=C3=A1ria</span></a><span style=3D"col=
or: black; font-family: Arial,sans-serif; font-size: 10.5pt;">=C2=A0e=C2=A0=
</span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIsFIUP9=
MkeFXJTJ6HCr90/FpUk2H2pJZGb" style=3D"color: #fc0; font-style: normal; font=
-weight: bold; text-decoration: underline;" sib_link_id=3D"3" templating=3D=
"n"><span style=3D"color: #ffcc00; font-family: Arial,sans-serif; font-size=
: 10.5pt;">Seguran=C3=A7a Social</span></a><span style=3D"color: black; fon=
t-family: Arial,sans-serif; font-size: 10.5pt;">.</span></li></ul><p style=
=3D"margin: 0; font-style: normal; font-weight: 400; text-decoration-style:=
initial; text-decoration-thickness: initial;">=C2=A0</p><p style=3D"margin=
: 0; font-style: normal; font-weight: 400; text-decoration-style: initial; =
text-decoration-thickness: initial;"><span style=3D"color: black; font-fami=
ly: Arial,sans-serif; font-size: 10.5pt;"><strong>Somos r=C3=A1pidos e apre=
sentamos condi=C3=A7=C3=B5es competitivas, com taxas fixas, para ajudar as =
empresas portuguesas a superar os desafios dos pr=C3=B3ximos meses.</strong=
></span><br><br><span style=3D"color: black; font-family: Arial,sans-serif;=
font-size: 10.5pt;">Fa=C3=A7a hoje uma=C2=A0<u>consulta totalmente gratuit=
a e sem compromisso</u>=C2=A0e obtenha financiamento para tesouraria e inve=
stimento.=C2=A0</span><span style=3D"background-color: transparent; color: =
rgb(0,0,0); font-family: Arial, helvetica, sans-serif; font-size: 15px;">Vi=
site-nos em </span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyX=
JTZ7Q5wHVklEqQPzh6c5zOSYl8/9YyUWWKomkul" title=3D"Raize Financiamento PME" =
target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-weight: bo=
ld; text-decoration: underline;" sib_link_id=3D"4" templating=3D"n"><span s=
tyle=3D"background-color: transparent; color: #ffcc00; font-family: Arial, =
helvetica, sans-serif; font-size: 15px;"><strong>www.raize.pt</strong></spa=
n></a><span style=3D"background-color: transparent; color: rgb(0,0,0); font=
-family: Arial, helvetica, sans-serif; font-size: 15px;"> ou entre em conta=
cto connosco atrav=C3=A9s do </span><span style=3D"background-color: transp=
arent; color: rgb(255,204,0); font-family: Arial, helvetica, sans-serif; fo=
nt-size: 15px;"><strong>308 812 518</strong></span><span style=3D"backgroun=
d-color: transparent; color: rgb(0,0,0); font-family: Arial, helvetica, san=
s-serif; font-size: 15px;"> para mais informa=C3=A7=C3=B5es=C2=A0sobre as l=
inhas de financiamento da Raize.</span><br><span style=3D"font-family: Aria=
l, helvetica, sans-serif; font-size: 15px;">=C2=A0</span><br><br><span styl=
e=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-size: =
15px;">Equipa Raize</span><br><br><br><span style=3D"color: #000000;">---</=
span><br><span style=3D"color: #000000; font-size: 11px;">Financiamento suj=
eito a an=C3=A1lise. A Raize =C3=A9 um dos financiadores de refer=C3=AAncia=
das PME em Portugal. A Raizecrowd, Lda =C3=A9 uma entidade autorizada e su=
pervisionada 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 autoriza=
da e supervisionada pelo Banco de Portugal.</span><br>=C2=A0</p><p style=3D=
"margin: 0;">=C2=A0</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"r3-o" style=3D"tabl=
e-layout: fixed; width: 100%;"><tr><td class=3D"r4-i" style=3D"background-c=
olor: #ffffff; padding-bottom: 20px; padding-left: 20px; padding-right: 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"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"495" align=
=3D"center" class=3D"r11-o" style=3D"background-color: #ffcc00; border-coll=
apse: separate; border-color: #000000; border-radius: 4px; border-style: so=
lid; border-width: 0px; table-layout: fixed; width: 495px;"><tr><td height=
=3D"21" align=3D"center" valign=3D"top" class=3D"r20-i nl2go-default-textst=
yle" style=3D"word-break: break-word; background-color: #ffcc00; border-rad=
ius: 4px; color: #ffffff; font-family: arial,helvetica,sans-serif; font-siz=
e: 16px; font-style: normal; line-height: 1.15; padding-bottom: 17px; paddi=
ng-left: 5px; padding-right: 5px; padding-top: 17px; text-align: center;"> =
<a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Xt0Jj17KK6Bjqtk=
ssViGNG/Qh9x-A5yFeHj" class=3D"r21-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; word-wrap: break-word; =
display: block; -webkit-text-size-adjust: none; color: #ffffff; font-family=
: arial,helvetica,sans-serif; font-size: 16px;" sib_link_id=3D"5" templatin=
g=3D"n"> <span style=3D"color: #000000; font-family: Arial,Helvetica,sans-s=
erif; font-size: 18px;"><strong>COME=C3=87AR PROCESSO DE ESTUDO</strong><br=
>(gratuito e sem compromisso)</span></a> </td> </tr></table></th> </tr></ta=
ble></td> </tr><tr class=3D"nl2go-responsive-hide"><td height=3D"20" style=
=3D"font-size: 20px; line-height: 20px;">=C2=AD</td> </tr></table><table ce=
llspacing=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; wi=
dth: 100%;"><tr><td class=3D"r22-i" style=3D"background-color: #fff6db; 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=
: 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"> <table width=3D"100%" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr>=
<td class=3D"r23-c" align=3D"left"> <table cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r24-o" style=
=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"center" valign=3D"t=
op" class=3D"r25-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-f=
amily: arial,helvetica,sans-serif; font-size: 16px; line-height: 1.2; word-=
break: break-word; text-align: center;"> <div><p style=3D"margin: 0; font-f=
amily: Arial,Helvetica,sans-serif; font-size: 24px; color: #3c4858;"><span =
style=3D"font-size: 30px;"><span style=3D"color: #ffcc00;"><strong>Empresas=
distinguem a Raize pelo seu servi=C3=A7o de financiamento.</strong></span>=
</span></p></div> </td> </tr><tr class=3D"nl2go-responsive-hide"><td height=
=3D"10" style=3D"font-size: 10px; line-height: 10px;">=C2=AD</td> </tr></ta=
ble></td> </tr><tr><td class=3D"r23-c" align=3D"left"> <table cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" =
class=3D"r24-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align=
=3D"left" valign=3D"top" class=3D"r26-i nl2go-default-textstyle" style=3D"c=
olor: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; li=
ne-height: 1.2; word-break: break-word; padding-left: 3px; padding-right: 3=
px; text-align: left;"> <div><p style=3D"margin: 0; font-family: Arial,Helv=
etica,sans-serif; font-size: 14px; color: #3c4858;"><span>=C2=A0</span><br>=
<span><span style=3D"background-color: transparent; color: rgb(0, 0, 0);">A=
</span><span style=3D"background-color: transparent; color: rgb(0, 0, 0);">=
=C2=A0Raize foi distinguida pela CNBC e pela Statista, como uma das melhore=
s Fintech a n=C3=ADvel mundial no "<strong><u>World's Top FinTech Companies=
</u></strong>".</span></span><br><span><br><span style=3D"background-color:=
transparent; color: rgb(0, 0, 0);">A par desta distin=C3=A7=C3=A3o que mui=
to nos orgulha, a Raize foi ainda eleita "<strong><u>Marca N=C2=BA1 na Esco=
lha dos Profissionais</u></strong>" e distinguida com o "<strong><u>Pr=C3=
=A9mio Cinco Estrelas</u></strong>" pelo 5=C2=BA ano consecutivo, na catego=
ria Cr=C3=A9dito a Empresas.</span></span><br><span>=C2=A0</span><br><span>=
<span style=3D"background-color: transparent; color: rgb(0, 0, 0);">Estes p=
r=C3=A9mios refletem o elevado grau de satisfa=C3=A7=C3=A3o das empresas co=
m 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></span></p></div> </td> </tr=
><tr class=3D"nl2go-responsive-hide"><td height=3D"10" style=3D"font-size: =
10px; line-height: 10px;">=C2=AD</td> </tr></table></td> </tr><tr><td class=
=3D"r2-c" align=3D"center"> <table cellspacing=3D"0" cellpadding=3D"0" bord=
er=3D"0" role=3D"presentation" width=3D"510" class=3D"r27-o" style=3D"table=
-layout: fixed; width: 510px;"><tr class=3D"nl2go-responsive-hide"><td heig=
ht=3D"10" width=3D"20" style=3D"font-size: 10px; line-height: 10px;">=C2=AD=
</td> <td height=3D"10" style=3D"font-size: 10px; line-height: 10px;">=C2=
=AD</td> <td height=3D"10" width=3D"20" style=3D"font-size: 10px; line-heig=
ht: 10px;">=C2=AD </td> </tr><tr class=3D"nl2go-responsive-hide"><td height=
=3D"20" width=3D"20" style=3D"font-size: 20px; line-height: 20px; backgroun=
d-color: #fff6db;">=C2=AD </td> <td height=3D"20" style=3D"font-size: 20px;=
line-height: 20px; background-color: #fff6db;">=C2=AD</td> <td height=3D"2=
0" width=3D"20" style=3D"font-size: 20px; line-height: 20px; background-col=
or: #fff6db;">=C2=AD </td> </tr><tr><td class=3D"nl2go-responsive-hide" wid=
th=3D"20" style=3D"font-size: 0px; line-height: 1px; background-color: #fff=
6db;">=C2=AD </td> <td class=3D"r10-i" style=3D"font-size: 0px; line-height=
: 0px;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7fg4LwH=
TPnlxU0gtflcxxzO/hppudLocGHv3" target=3D"_blank" style=3D"color: #fc0; font=
-style: normal; font-weight: bold; text-decoration: underline;" sib_link_id=
=3D"6" templating=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/n=
7MZmE9BW9l5.png?u=3D92pJLo34vnrQtiztjALIJCzUuMg46DBapGM" width=3D"470" bord=
er=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"2"></a> </td>=
<td class=3D"nl2go-responsive-hide" width=3D"20" style=3D"font-size: 0px; =
line-height: 1px; background-color: #fff6db;">=C2=AD </td> </tr><tr class=
=3D"nl2go-responsive-hide"><td height=3D"20" width=3D"20" style=3D"font-siz=
e: 20px; line-height: 20px; background-color: #fff6db;">=C2=AD </td> <td he=
ight=3D"20" style=3D"font-size: 20px; line-height: 20px; background-color: =
#fff6db;">=C2=AD</td> <td height=3D"20" width=3D"20" style=3D"font-size: 20=
px; line-height: 20px; background-color: #fff6db;">=C2=AD </td> </tr></tabl=
e></td> </tr></table></td> </tr></table></th> </tr></table></td> </tr></tab=
le><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion" 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: #f=
fffff; padding-bottom: 20px; padding-top: 20px;"> <table width=3D"100%" cel=
lspacing=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%" class=3D"r6-o" style=3D"table-layout: fixed; width: 10=
0%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left: 15px; pad=
ding-right: 15px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0" role=3D"presentation"><tr><td class=3D"r28-c" align=3D"cent=
er" style=3D"font-size: 0px; line-height: 0px; valign: top;"> <a href=3D"ht=
tp://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7nT8O9XpVHRjEAU2SekDfbW/oGYi4=
fyKLB3k" target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-w=
eight: bold; text-decoration: underline;" sib_link_id=3D"7" templating=3D"n=
"> <img src=3D"https://img.marketing.raize.pt/im/sh/7fzZ4fwhqNyo.png?u=3D92=
pJLo34vnrQtqmxlNbeOgfGeWTCt6IqWsU" width=3D"590" border=3D"0" style=3D"disp=
lay: block; width: 100%;" sib_img_id=3D"3"></a> </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"r4-i" style=3D"background-color: #ffffff; padding-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"50%" 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"r29-c nl2go-default-textstyle" align=3D"left" style=
=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16p=
x; line-height: 1.2; word-break: break-word; padding-left: 20px; padding-ri=
ght: 20px; text-align: left; valign: top;"> <div><p style=3D"margin: 0; fon=
t-family: Arial,Helvetica,sans-serif; font-size: 14px; color: #888888;"><sp=
an>Raize<br>Rua Tierno Galvan - Amoreiras<br>Torre 3, 17=C2=BA piso<br>1070=
-274 Lisboa, Portugal<br><a href=3D"mailto:geral@raize.pt" style=3D"color: =
#fc0; font-style: normal; font-weight: bold; text-decoration: underline;"><=
span style=3D"text-decoration: underline; color: rgb(255, 204, 0);">geral@r=
aize.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"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"r30-c" align=3D=
"right"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pr=
esentation" width=3D"285" align=3D"right" class=3D"r11-o" style=3D"table-la=
yout: fixed; width: 285px;"><tr><td valign=3D"top"> <table width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><=
td class=3D"r30-c" align=3D"right" style=3D"display: inline-block;"> <table=
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" wid=
th=3D"285" align=3D"right" class=3D"r11-o" style=3D"table-layout: fixed; wi=
dth: 285px;"><tr><td class=3D"r31-i" style=3D"padding-bottom: 2px; padding-=
left: 173px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bo=
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