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Content preview: **"Antecipe eventuais necessidades de tesouraria."** **Aproxima-se
a data de pagamento do IVA trimestral e, para muitas empresas, isto significa
um pagamento avultado que pode afetar a disponibilidade [...]
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**"Antecipe eventuais necessidades de tesouraria."**
**Aproxima-se a data de pagamento do IVA trimestral e, para muitas empresas=
, isto significa um pagamento avultado que pode afetar a disponibilidade de=
tesouraria e a capacidade de investimento numa altura em que se confirma u=
m crescimento da economia.**
=C2=A0
**O prazo para pagamento do IVA trimestral =C3=A9 j=C3=A1 no dia 25 de nove=
mbro.**
Em Portugal, s=C3=A3o muitas as PME que optam por pagar o seu IVA trimestra=
lmente. Em alguns casos, este pagamento mais avultado acaba por afetar a di=
sponibilidade de tesouraria e a capacidade de investimento e crescimento de=
stas empresas. Neste momento, muitas empresas come=C3=A7am a preparar recur=
sos para responder =C3=A0s necessidades de fornecimento dos =C3=BAltimos me=
ses do ano. O per=C3=ADodo que antecede o Natal =C3=A9 conhecido por ser do=
s mais importantes do ano. Para algumas PME, esta =C3=A9poca do ano chega a=
representar mais de 40% das vendas anuais e =C3=A9 importante que nenhuma =
empresa fique para tr=C3=A1s.
**Economia portuguesa est=C3=A1 resiliente e deve continuar a evoluir bem (=
embora j=C3=A1 se verifique uma desacelera=C3=A7=C3=A3o)...**
O Produto Interno Bruto (PIB) portugu=C3=AAs registou uma varia=C3=A7=C3=A3=
o hom=C3=B3loga de=C2=A0**1,9%**=C2=A0no terceiro trimestre de 2024 em term=
os reais, de acordo com os dados mais recentes do Instituto Nacional de Est=
at=C3=ADstica. No entanto, comparando com o segundo trimestre, o PIB regist=
ou uma varia=C3=A7=C3=A3o em cadeia de apenas=C2=A0**0,2%**, sendo o consum=
o interno o grande motor da economia nacional.
=C2=A0
Portugal apresentou um ritmo de crescimento inferior =C3=A0 m=C3=A9dia da Z=
ona Euro (0,4%). No entanto, Portugal tem estado constantemente em converg=
=C3=AAncia econ=C3=B3mica com a Europa e =C3=A9 esperado que os pr=C3=B3xim=
os trimestres continuem a confirmar esta tend=C3=AAncia de crescimento, emb=
ora a um ritmo mais lento. Os analistas antecipam que a atividade empresari=
al da zona euro e a confian=C3=A7a dos consumidores dever=C3=A3o recuperar =
cautelosamente nos pr=C3=B3ximos meses, tendo em conta a redu=C3=A7=C3=A3o =
das taxas de juro e o arrefecimento da infla=C3=A7=C3=A3o.
=C2=A0
**Apesar da confian=C3=A7a da economia, as PME continuam com dificuldades e=
m investir. E muito devido =C3=A0 falta de financiamento.=C2=A0**
=C2=A0
Os constragimentos de liquidez e a falta de financiamento externo s=C3=A3o =
alguns dos fatores que limitam as empresas a implementar medidas para mitig=
ar os riscos externos, como as incertezas geopol=C3=ADticas, o abrandamento=
do consumo ou a instabilidade dos mercados financeiros. Nesta fase, =C3=A9=
importante para as empresas continuar a investir de forma moderada e suste=
nt=C3=A1vel para manter o posicionamento no mercado. Mais do que nunca, ace=
lerar a digitaliza=C3=A7=C3=A3o, garantir a resili=C3=AAncia, apostar na su=
stentabilidade e na melhoria dos processos de venda s=C3=A3o alguns dos des=
envolvimentos de mudan=C3=A7a que podem conduzir a um crescimento mais pr=
=C3=B3spero.
=C2=A0
**Para investir ou para salvaguardar... antecipe eventuais necessidades de =
tesouraria e mantenha a sua empresa bem capitalizada.**
=C2=A0
Trabalhamos com milhares de empresas portuguesas para financiar projetos de=
investimento e tesouraria com custos muito competitivos e prazos de respos=
ta imbat=C3=ADveis.
E se n=C3=A3o gostar da nossa proposta n=C3=A3o tem problema. O estudo da R=
aize =C3=A9=C2=A0**gratuito**=C2=A0e=C2=A0**sem compromisso**=C2=A0o que fa=
z com que milhares de empresas portuguesas j=C3=A1 o tenham feito.
**Gostaria de fazer um estudo. Qual o pr=C3=B3ximo passo?**
=C2=A0
Visite-nos em [**www.raize.pt**](https://www.raize.pt/empresas/financiament=
o-credito "Raize Financiamento PME") ou entre em contacto connosco atrav=C3=
=A9s do **308 812 518** para mais informa=C3=A7=C3=B5es=C2=A0sobre as linha=
s de financiamento 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.
[ **COME=C3=87AR PROCESSO DE ESTUDO**(gratuito e sem compromisso)](https://=
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SIBS ESG: A jornada de sustentabilidade das PME.
------------------------------------------------
A Raize, em parceria com a SIBS, disponibiliza =C3=A0s empresas portuguesas=
a nova plataforma [SIBS ESG](https://esg.sibs.com/). Um servi=C3=A7o que p=
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de sustentabilidade, facilitando a partilha de informa=C3=A7=C3=A3o com ou=
tras entidades.=C2=A0=C2=A0
[ **Saber mais**](https://blog.raize.pt/raize-integra-sibsesg-para-apoiar-a=
s-pme-portuguesas/)
**Raize em destaque no Portugal Fintech Report**
------------------------------------------------
A Raize est=C3=A1 destacada no [**Portugal Fintech Report**](https://www.po=
rtugalfintech.org/portugal-fintech-report-2024 "Portugal Fintech Report") 2=
024 da Portugal Fintech como uma das principais Fintechs a operar no pa=C3=
=ADs. O Portugal Fintech Report revela anualmente o estado do ecossistema f=
intech portugu=C3=AAs, ao divulgar estat=C3=ADsticas da ind=C3=BAstria, ent=
revistas com experts e exemplos reais de colabora=C3=A7=C3=A3o.
[ **Saber mais**](https://blog.raize.pt/a-raize-em-destaque-no-portugal-fin=
tech-report-2024/)
Raize
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Torre 3, 17=C2=BA piso
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mso]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> <o:PixelsPerInch>96</o:=
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"text/css">a:link{color: #fc0; font-style: normal; font-weight: bold; text-=
decoration: underline;}</style></head><body bgcolor=3D"#ffffff" text=3D"#3b=
3f44" link=3D"#ffcc00" yahoo=3D"fix" style=3D"background-color: #ffffff; pa=
dding-top: 38px;"> <table cellpadding=3D"0" border=3D"0" cellspacing=3D"0" =
style=3D" mso-hide: all; display: none;"><tr><td>Apesar da confian=C3=A7a d=
a economia, as PME continuam com dificuldades em investir.͏‌ =
;͏‌ ͏‌ ͏‌ ͏‌ &#=
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er" class=3D"r0-o" style=3D"table-layout: fixed; width: 590px;"><tr><td val=
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lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
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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/IBM59vxKe=
13W" 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/MMvb2Qcik7cy.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>"Antecipe eventuais necessidades de tesouraria."</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"tabl=
e-layout: fixed; width: 100%;"><tr><td class=3D"r14-i" style=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" ro=
le=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" st=
yle=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" bo=
rder=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"tab=
le-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%" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td clas=
s=3D"r13-c nl2go-default-textstyle" align=3D"left" style=3D"color: #3b3f44;=
font-family: arial,helvetica,sans-serif; font-size: 16px; word-break: brea=
k-word; line-height: 24px; padding-bottom: 10px; padding-top: 10px; text-al=
ign: left; valign: top;"> <div><p style=3D"margin: 0; color: #3c4858; font-=
family: 'Arial',Helvetica,sans-serif; font-size: 24px;"><span style=3D"colo=
r: #FFCC00; font-family: Arial,sans-serif; font-size: 13.5pt;"><strong>Apro=
xima-se a data de pagamento do IVA trimestral e, para muitas empresas, isto=
significa um pagamento avultado que pode afetar a disponibilidade de tesou=
raria e a capacidade de investimento numa altura em que se confirma um cres=
cimento da economia.</strong></span></p></div> </td> </tr></table></td> </t=
r></table></th> </tr></table></td> </tr></table><table cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"=
center" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td=
class=3D"r12-i" style=3D"background-color: #ffffff; padding-left: 20px; pa=
dding-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 cellspacing=3D"0" c=
ellpadding=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; font-family: arial,helvetica,sans-serif; font-size: 16p=
x; word-break: break-word; line-height: 20px; text-align: left;"> <div><p s=
tyle=3D"margin: 0;">=C2=A0</p><p style=3D"margin: 0;"><span style=3D"color:=
#000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;"><str=
ong>O prazo para pagamento do IVA trimestral =C3=A9 j=C3=A1 no dia 25 de no=
vembro.</strong></span></p><p style=3D"margin: 0;"><br><span style=3D"color=
: #000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;">Em =
Portugal, s=C3=A3o muitas as PME que optam por pagar o seu IVA trimestralme=
nte. Em alguns casos, este pagamento mais avultado acaba por afetar a dispo=
nibilidade de tesouraria e a capacidade de investimento e crescimento desta=
s empresas. Neste momento, muitas empresas come=C3=A7am a preparar recursos=
para responder =C3=A0s necessidades de fornecimento dos =C3=BAltimos meses=
do ano. O per=C3=ADodo que antecede o Natal =C3=A9 conhecido por ser dos m=
ais importantes do ano. Para algumas PME, esta =C3=A9poca do ano chega a re=
presentar mais de 40% das vendas anuais e =C3=A9 importante que nenhuma emp=
resa fique para tr=C3=A1s.</span><br><br><span style=3D"color: #000000; fon=
t-family: Arial, helvetica, sans-serif; font-size: 14px;"><strong>Economia =
portuguesa est=C3=A1 resiliente e deve continuar a evoluir bem (embora j=C3=
=A1 se verifique uma desacelera=C3=A7=C3=A3o)...</strong></span><br><br><sp=
an style=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font=
-size: 14px;">O Produto Interno Bruto (PIB) portugu=C3=AAs registou uma var=
ia=C3=A7=C3=A3o hom=C3=B3loga de=C2=A0<strong>1,9%</strong>=C2=A0no terceir=
o trimestre de 2024 em termos reais, de acordo com os dados mais recentes d=
o Instituto Nacional de Estat=C3=ADstica. No entanto, comparando com o segu=
ndo trimestre, o PIB registou uma varia=C3=A7=C3=A3o em cadeia de apenas=C2=
=A0<strong>0,2%</strong>, sendo o consumo interno o grande motor da economi=
a nacional.</span></p><p style=3D"margin: 0;">=C2=A0</p></div> </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"r12-i" style=3D"background-color: #ffffff;"> <table width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><=
th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight: norma=
l;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presen=
tation" 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: 15px; p=
adding-right: 15px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r17-c" align=3D"=
center" style=3D"font-size: 0px; line-height: 0px; padding-bottom: 15px; pa=
dding-top: 15px; valign: top;"> <img src=3D"https://img.marketing.raize.pt/=
im/sh/1HEdZKe9FnnI.png?u=3D92pJLo34vnrQtbCpgx4wDjJjACsvJK4L7eE" width=3D"56=
0" border=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"1"></t=
d> </tr></table></td> </tr></table></th> </tr></table></td> </tr></table><t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout: fix=
ed; width: 100%;"><tr><td class=3D"r18-i" style=3D"background-color: #fffff=
f; padding-bottom: 20px; padding-left: 20px; padding-right: 20px;"> <table =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pre=
sentation"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"fo=
nt-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; font-fam=
ily: arial,helvetica,sans-serif; font-size: 16px; word-break: break-word; l=
ine-height: 20px; text-align: left;"> <div><p style=3D"margin: 0;"><span st=
yle=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-size=
: 14px;">Portugal apresentou um ritmo de crescimento inferior =C3=A0 m=C3=
=A9dia da Zona Euro (0,4%). No entanto, Portugal tem estado constantemente =
em converg=C3=AAncia econ=C3=B3mica com a Europa e =C3=A9 esperado que os p=
r=C3=B3ximos trimestres continuem a confirmar esta tend=C3=AAncia de cresci=
mento, embora a um ritmo mais lento. Os analistas antecipam que a atividade=
empresarial da zona euro e a confian=C3=A7a dos consumidores dever=C3=A3o =
recuperar cautelosamente nos pr=C3=B3ximos meses, tendo em conta a redu=C3=
=A7=C3=A3o das taxas de juro e o arrefecimento da infla=C3=A7=C3=A3o.</span=
></p><p style=3D"margin: 0; line-height: 15.0pt;">=C2=A0</p><p style=3D"mar=
gin: 0; line-height: 15.0pt;"><span style=3D"color: #000000; font-family: A=
rial, helvetica, sans-serif; font-size: 14px;"><strong>Apesar da confian=C3=
=A7a da economia, as PME continuam com dificuldades em investir. E muito de=
vido =C3=A0 falta de financiamento.=C2=A0</strong></span></p><p style=3D"ma=
rgin: 0; line-height: 15.0pt;">=C2=A0</p><p style=3D"margin: 0; line-height=
: 15.0pt;"><span style=3D"color: #000000; font-family: Arial, helvetica, sa=
ns-serif; font-size: 14px;">Os constragimentos de liquidez e a falta de fin=
anciamento externo s=C3=A3o alguns dos fatores que limitam as empresas a im=
plementar medidas para mitigar os riscos externos, como as incertezas geopo=
l=C3=ADticas, o abrandamento do consumo ou a instabilidade dos mercados fin=
anceiros. Nesta fase, =C3=A9 importante para as empresas continuar a invest=
ir de forma moderada e sustent=C3=A1vel para manter o posicionamento no mer=
cado. Mais do que nunca, acelerar a digitaliza=C3=A7=C3=A3o, garantir a res=
ili=C3=AAncia, apostar na sustentabilidade e na melhoria dos processos de v=
enda s=C3=A3o alguns dos desenvolvimentos de mudan=C3=A7a que podem conduzi=
r a um crescimento mais pr=C3=B3spero.</span></p><p style=3D"margin: 0;">=
=C2=A0</p><p style=3D"margin: 0;"><span style=3D"color: #000000; font-famil=
y: Arial, helvetica, sans-serif; font-size: 14px;"><strong>Para investir ou=
para salvaguardar... antecipe eventuais necessidades de tesouraria e mante=
nha a sua empresa bem capitalizada.</strong></span></p><p style=3D"margin: =
0;">=C2=A0</p><p style=3D"margin: 0; line-height: 15.0pt;"><span style=3D"c=
olor: #000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;"=
>Trabalhamos com milhares de empresas portuguesas para financiar projetos d=
e investimento e tesouraria com custos muito competitivos e prazos de respo=
sta imbat=C3=ADveis.</span><br><br><span style=3D"color: #000000; font-fami=
ly: Arial, helvetica, sans-serif; font-size: 14px;">E se n=C3=A3o gostar da=
nossa proposta n=C3=A3o tem problema. O estudo da Raize =C3=A9=C2=A0<stron=
g>gratuito</strong>=C2=A0e=C2=A0<strong>sem compromisso</strong>=C2=A0o que=
faz com que milhares de empresas portuguesas j=C3=A1 o tenham feito.</span=
></p><p style=3D"margin: 0; line-height: 15.0pt;"><br><span style=3D"color:=
#000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;"><str=
ong>Gostaria de fazer um estudo. Qual o pr=C3=B3ximo passo?</strong></span>=
</p><p style=3D"margin: 0; font-style: normal; font-weight: 400; text-decor=
ation-style: initial; text-decoration-thickness: initial;">=C2=A0</p><p sty=
le=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0cm;"><span style=3D"b=
ackground-color: transparent; color: #000000; font-family: Arial, helvetica=
, sans-serif; font-size: 14px;">Visite-nos em </span><a href=3D"http://r.ma=
rketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ72ikArxgyPP6lDjBjK2hRuk/w8PcIi0mSkZT" =
title=3D"Raize Financiamento PME" target=3D"_blank" style=3D"color: #fc0; f=
ont-style: normal; font-weight: bold; text-decoration: underline;" sib_link=
_id=3D"1" templating=3D"n"><span style=3D"background-color: transparent; co=
lor: #ffcc00; font-family: Arial, helvetica, sans-serif; font-size: 14px;">=
<strong>www.raize.pt</strong></span></a><span style=3D"background-color: tr=
ansparent; color: #000000; font-family: Arial, helvetica, sans-serif; font-=
size: 14px;"> ou entre em contacto connosco atrav=C3=A9s do </span><span st=
yle=3D"background-color: transparent; color: #ffcc00; font-family: Arial, h=
elvetica, sans-serif; font-size: 14px;"><strong>308 812 518</strong></span>=
<span style=3D"background-color: transparent; color: #000000; font-family: =
Arial, helvetica, sans-serif; font-size: 14px;"> para mais informa=C3=A7=C3=
=B5es=C2=A0sobre as linhas de financiamento da Raize.</span><br><span style=
=3D"font-family: Arial, helvetica, sans-serif; font-size: 14px;">=C2=A0</sp=
an><br><br><span style=3D"color: #000000; font-family: Arial, helvetica, sa=
ns-serif; font-size: 14px;">Equipa Raize</span><br><br><br><span style=3D"c=
olor: #000000;">---</span><br><span style=3D"color: #000000; font-size: 11p=
x;">Financiamento sujeito a an=C3=A1lise. A Raize =C3=A9 um dos financiador=
es de refer=C3=AAncia das PME em Portugal. A Raizecrowd, Lda =C3=A9 uma ent=
idade autorizada e supervisionada pela CMVM. A Raize - Institui=C3=A7=C3=A3=
o de Pagamentos, S.A., Sociedade Aberta, =C3=A9 uma institui=C3=A7=C3=A3o d=
e pagamentos autorizada e supervisionada pelo Banco de Portugal.</span></p>=
</div> </td> </tr></table></th> </tr></table></td> </tr></table><table cell=
spacing=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; width:=
100%;"><tr><td class=3D"r19-i" style=3D"background-color: #ffffff; 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"495" align=3D"center" class=3D"r11-o" style=3D"backgrou=
nd-color: #ffcc00; border-collapse: separate; border-color: #000000; border=
-radius: 4px; border-style: solid; 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-textstyle" style=3D"word-break: break-word; backgro=
und-color: #ffcc00; border-radius: 4px; color: #ffffff; font-family: arial,=
helvetica,sans-serif; font-size: 16px; font-style: normal; line-height: 1.1=
5; padding-bottom: 17px; padding-left: 5px; padding-right: 5px; padding-top=
: 17px; text-align: center;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/=
f/sh/WCPzyXJTZ7AVoD5E33t4sVNWKWD9x9Ws/vbMvGE4tPlKI" 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: non=
e; color: #ffffff; font-family: arial,helvetica,sans-serif; font-size: 16px=
;" sib_link_id=3D"2" templating=3D"n"> <span style=3D"color: #000000; font-=
family: Arial,Helvetica,sans-serif; font-size: 18px;"><strong>COME=C3=87AR =
PROCESSO DE ESTUDO</strong><br>(gratuito e sem compromisso)</span></a> </td=
> </tr></table></th> </tr></table></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 cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0" role=3D"presentation" width=3D"100%" align=3D"center" class=3D"r11-o" st=
yle=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r12-i" style=3D"=
background-color: #ffffff;"> <table width=3D"100%" cellspacing=3D"0" cellpa=
dding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" valig=
n=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: 15px; padding-right: 15px;">=
<table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation"><tr><td class=3D"r2-c" align=3D"center"> <table cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"336=
" class=3D"r22-o" style=3D"table-layout: fixed; width: 336px;"><tr><td clas=
s=3D"r23-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/yGW=
c1b-TofZN.png?u=3D92pJLo34vnrQtiztjALIJCzUuMg46DBapGM" width=3D"336" border=
=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"2"></td> </tr><=
/table></td> </tr></table></td> </tr></table></th> </tr></table></td> </tr>=
</table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pre=
sentation" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-l=
ayout: fixed; width: 100%;"><tr><td class=3D"r4-i" style=3D"background-colo=
r: #ffffff; padding-bottom: 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"100%" class=3D"r6-o" style=3D"table-layout: fixed; widt=
h: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left: 15px=
; padding-right: 15px;"> <table width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r24-c" align=3D=
"center" style=3D"font-size: 0px; line-height: 0px; valign: top;"> <a href=
=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIsFIUP9MkeFXJTJ6HCr90=
/yrtDCqnOrl-7" target=3D"_blank" style=3D"color: #fc0; font-style: normal; =
font-weight: bold; text-decoration: underline;" sib_link_id=3D"3" templatin=
g=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/NKc9YQTLmm4n.png?=
u=3D92pJLo34vnrQtqmxlNbeOgfGeWTCt6IqWsU" width=3D"590" 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> </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"r4-i" style=3D"background-color: #ffffff; padding-bottom=
: 20px; padding-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpa=
dding=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" 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"r25-i" style=3D"padding-left: 8px; padding-right: 8px;"> =
<table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation"><tr><td class=3D"r26-c" align=3D"center" style=3D"border-=
radius: -1px; font-size: 0px; line-height: 0px; valign: top;"> <a href=3D"h=
ttp://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Q5wHVklEqQPzh6c5zOSYl8/dbyh=
lcRdcdLp" target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-=
weight: bold; text-decoration: underline;" sib_link_id=3D"4" templating=3D"=
n"> <img src=3D"https://img.marketing.raize.pt/im/sh/DCRK8xNFAKr-.png?u=3D9=
2pJLo34vnrQtya1nas0UAL2OgGLfzQ6EUc" width=3D"279" border=3D"0" style=3D"dis=
play: block; width: 100%; border-radius: -1px;" sib_img_id=3D"4"></a> </td>=
</tr></table></td> </tr></table></th> <th width=3D"50%" valign=3D"top" cla=
ss=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpa=
dding=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: 8px; padding-right: 8px;"> <table width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentatio=
n"><tr><td class=3D"r27-c" align=3D"left"> <table cellspacing=3D"0" cellpad=
ding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r28-o=
" style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=
=3D"top" class=3D"r29-i nl2go-default-textstyle" style=3D"color: #3b3f44; f=
ont-family: arial,helvetica,sans-serif; font-size: 16px; word-break: break-=
word; line-height: 1; text-align: left;"> <div><h2 class=3D"default-heading=
2" style=3D"margin: 0; color: #1f2d3d; font-family: arial,helvetica,sans-se=
rif; font-size: 32px; word-break: break-word;"><span style=3D"color: #ffcc0=
0; font-size: 28px;">SIBS ESG: A jornada de sustentabilidade das PME.</span=
></h2></div> </td> </tr><tr class=3D"nl2go-responsive-hide"><td height=3D"5=
" style=3D"font-size: 5px; line-height: 5px;">=C2=AD</td> </tr></table></td=
> </tr><tr><td class=3D"r27-c" align=3D"left"> <table cellspacing=3D"0" cel=
lpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r=
30-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"left" va=
lign=3D"top" class=3D"r31-i nl2go-default-textstyle" style=3D"color: #3b3f4=
4; font-family: arial,helvetica,sans-serif; font-size: 16px; line-height: 1=
.2; word-break: break-word; text-align: left;"> <div><p style=3D"margin: 0;=
"><span style=3D"font-family: Arial, helvetica, sans-serif; font-size: 12px=
;">A Raize, em parceria com a SIBS, disponibiliza =C3=A0s empresas portugue=
sas a nova plataforma </span><a href=3D"http://r.marketing.raize.pt/mk/cl/f=
/sh/WCPzyXJTZ7Xt0Jj17KK6BjqtkssViGNG/H-i5V2k8biNs" target=3D"_blank" style=
=3D"color: #fc0; font-style: normal; font-weight: bold; text-decoration: un=
derline;" sib_link_id=3D"5" templating=3D"n"><span style=3D"font-family: Ar=
ial, helvetica, sans-serif; font-size: 12px;">SIBS ESG</span></a><span styl=
e=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-size: =
12px;">. </span><span style=3D"color: #3c4858; font-family: Arial, helvetic=
a, sans-serif; font-size: 12px;">Um servi=C3=A7o que permite =C3=A0s empres=
as iniciar a jornada de sustentabilidade com um <strong>autodiagn=C3=B3stic=
o ESG gratuito</strong> e a sistematiza=C3=A7=C3=A3o de indicadores de sust=
entabilidade, facilitando a partilha de informa=C3=A7=C3=A3o com outras ent=
idades.=C2=A0</span><span style=3D"color: #3c4858; font-size: 12px;">=C2=A0=
</span></p></div> </td> </tr><tr class=3D"nl2go-responsive-hide"><td height=
=3D"15" style=3D"font-size: 15px; line-height: 15px;">=C2=AD</td> </tr></ta=
ble></td> </tr><tr><td class=3D"r27-c" align=3D"left"> <table cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"160" c=
lass=3D"r32-o" style=3D"table-layout: fixed; width: 160px;"><tr><td height=
=3D"18" align=3D"center" valign=3D"top" class=3D"r33-i nl2go-default-textst=
yle" style=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font=
-size: 16px; line-height: 1.2; word-break: break-word;"> <!--[if mso]> <v:=
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CPzyXJTZ7fg4LwHTPnlxU0gtflcxxzO/GcnR0wU5ahT8" style=3D"v-text-anchor:middle=
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> </div> </v:textbox> </v:roundrect> <![endif]--> <!--[if !mso]><!-- --> <=
a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7fg4LwHTPnlxU0gtf=
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btn=3D"2" style=3D"font-style: normal; font-weight: normal; line-height: 1.=
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d-wrap: break-word; display: block; -webkit-text-size-adjust: none; backgro=
und-color: #ffcc00; border-color: #666666; border-radius: 8px; border-width=
: 0px; color: #ffffff; font-family: arial,helvetica,sans-serif; font-size: =
16px; height: 18px; mso-hide: all; padding-bottom: 12px; padding-left: 0px;=
padding-right: 0px; padding-top: 12px; width: 160px;" sib_link_id=3D"6" te=
mplating=3D"n"> <span><span style=3D"color: #000000;"><strong>Saber mais</s=
trong></span></span></a> <!--<![endif]--> </td> </tr></table></td> </tr></t=
able></td> </tr></table></th> </tr></table></td> </tr></table><table cellsp=
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00%" 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-b=
ottom: 20px; padding-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"50%" v=
align=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"10=
0%" class=3D"r6-o" style=3D"table-layout: fixed; width: 100%;"><tr><td vali=
gn=3D"top" class=3D"r25-i" style=3D"padding-left: 8px; padding-right: 8px;"=
> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" ro=
le=3D"presentation"><tr><td class=3D"r26-c" align=3D"center" style=3D"borde=
r-radius: -1px; font-size: 0px; line-height: 0px; valign: top;"> <a href=3D=
"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7nT8O9XpVHRjEAU2SekDfbW/Ug=
uG1XQNhe1l" target=3D"_blank" style=3D"color: #fc0; font-style: normal; fon=
t-weight: bold; text-decoration: underline;" sib_link_id=3D"7" templating=
=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/E4FyLh5jWr4e.png?u=
=3D92pJLo34vnrQu6N5po8MZe0o8q3USsXLw6k" width=3D"279" border=3D"0" style=3D=
"display: block; width: 100%; border-radius: -1px;" sib_img_id=3D"5"></a> <=
/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" 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: 8px; padding-right: 8px;"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><td class=3D"r27-c" align=3D"left"> <table cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r2=
8-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"left" val=
ign=3D"top" class=3D"r29-i nl2go-default-textstyle" style=3D"color: #3b3f44=
; font-family: arial,helvetica,sans-serif; font-size: 16px; word-break: bre=
ak-word; line-height: 1; text-align: left;"> <div><h2 class=3D"default-head=
ing2" style=3D"margin: 0; color: #1f2d3d; font-family: arial,helvetica,sans=
-serif; font-size: 32px; word-break: break-word;"><span style=3D"color: #ff=
cc00; font-size: 28px;"><strong>Raize em destaque no Portugal Fintech Repor=
t</strong></span></h2></div> </td> </tr><tr class=3D"nl2go-responsive-hide"=
><td height=3D"5" style=3D"font-size: 5px; line-height: 5px;">=C2=AD</td> <=
/tr></table></td> </tr><tr><td class=3D"r27-c" align=3D"left"> <table cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"=
100%" class=3D"r30-o" style=3D"table-layout: fixed; width: 100%;"><tr><td a=
lign=3D"left" valign=3D"top" class=3D"r31-i nl2go-default-textstyle" style=
=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16p=
x; line-height: 1.2; word-break: break-word; text-align: left;"> <div><p st=
yle=3D"margin: 0;"><span style=3D"color: #3c4858; font-family: Arial, helve=
tica, sans-serif; font-size: 12px;">A Raize est=C3=A1 destacada no </span><=
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