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Content preview: **"Proteja a sua liquidez para garantir maior estabilidade."**
**Ince****rteza económica e risco de crédito apontados como alguns dos
desafios para as empresas portuguesas em 2025. É por isso que s [...]
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**"Proteja a sua liquidez para garantir maior estabilidade."**
**Ince****rteza econ=C3=B3mica e risco de cr=C3=A9dito apontados como algun=
s dos desafios para as empresas portuguesas em 2025. =C3=89 por isso que su=
gerimos analisar as melhores condi=C3=A7=C3=B5es de financiamento, para man=
ter a liquidez da sua PME bem protegida durante os pr=C3=B3ximos meses e ga=
rantir estabilidade comercial e financeira.**
=C2=A0
**Incerteza econ=C3=B3mica motiva os principais desafios das empresas para =
2025.**
Um estudo recentemente realizado pela Cr=C3=A9dito y Cauci=C3=B3n e pela Ib=
erinform, que abrange uma amostra representativa do setor empresarial nacio=
nal, destaca os principais desafios enfrentados pelas empresas portuguesas =
em 2025, com base no cen=C3=A1rio econ=C3=B3mico atual. A incerteza econ=C3=
=B3mica e o baixo crescimento foram identificados como os maiores entraves =
por 50% das empresas mas existem outros fatores a ter em considera=C3=A7=C3=
=A3o.=C2=A0
=C2=A0
**Principais desafios identificados**
=C2=A0
- Margens Comerciais e Custos Operacionais:
- 38% das empresas relatam margens comerciais insuficientes;=20
- 36% enfrentam custos laborais excessivos, agravados pela infla=C3=A7=C3=
=A3o que impacta 96% das empresas, elevando custos de produ=C3=A7=C3=A3o e =
aquisi=C3=A7=C3=A3o;=20
=C2=A0
- Capta=C3=A7=C3=A3o de Clientes e Concorr=C3=AAncia:
- 31% apontam dificuldades na reten=C3=A7=C3=A3o de novos clientes;=20
- 26% mencionam o aumento da concorr=C3=AAncia como um fator cr=C3=ADtico;=
=20
=C2=A0
- Quest=C3=B5es Estruturais:
- A burocracia (25%), os atrasos nos pagamentos (22%) e o acesso limitado a=
financiamento (16%) continuam a restringir o crescimento empresarial.=20
=C2=A0
**Adicionalmente, o financiamento banc=C3=A1rio continua muito focado no cu=
rto-prazo=E2=80=A6 o que dificulta o investimento.**
Atualmente, de acordo com o Banco de Portugal, as empresas nacionais contin=
uam muito dependentes do financiamento de curto-prazo (prazos at=C3=A9 1 an=
o). Este foco no curto-prazo tem um efeito prejudicial nos novos investimen=
tos e no crescimento da economia - em particular das empresas mais pequenas=
. Atualmente, apenas 14% dos novos empr=C3=A9stimos banc=C3=A1rios t=C3=AAm=
um prazo superior a 1 ano (ou seja, s=C3=A3o adequados para a realiza=C3=
=A7=C3=A3o de investimentos).
=C2=A0
Uma das caracter=C3=ADsticas chave do financiamento Raize =C3=A9 o seu foco=
no "m=C3=A9dio/longo-prazo" e taxas fixas. Isto significa que quase todos =
os financiamentos t=C3=AAm prazos superiores a 3 anos para ajudar os empres=
=C3=A1rios a investir de forma sustent=C3=A1vel na sua atividade (com condi=
=C3=A7=C3=B5es competitivas e sem press=C3=B5es de curto-prazo).
**Comece 2025 com a sua PME bem capitalizada.**
=C2=A0
Seja pelos compromissos de produ=C3=A7=C3=A3o assumidos ou pela ambi=C3=A7=
=C3=A3o de "fechar bem o ano", o final de Dezembro pode ser atarefado e agi=
tado para muitas empresas portuguesas. Por isso, aproveite os pr=C3=B3ximos=
dias para tratar do financiamento que precisa. Na Raize verificamos todos =
os anos um aumento significativo das solicita=C3=A7=C3=B5es de cr=C3=A9dito=
no m=C3=AAs de janeiro. Este fen=C3=B3meno empresarial (facilmente justifi=
c=C3=A1vel) faz com que algumas aprova=C3=A7=C3=B5es =E2=80=93 junto da Rai=
ze ou dos bancos =E2=80=93 possam ser um pouco mais demoradas. Se gosta de =
obter as melhores condi=C3=A7=C3=B5es, antecipe o seu pedido de financiamen=
to e comece 2025 com o financiamento que precisa em caixa.
=C2=A0
**Utilize este per=C3=ADodo para capitalizar a sua empresa e garantir maior=
estabilidade.**
=C2=A0
Aceda a [**www.raize.pt**](https://www.raize.pt/empresas/financiamento-cred=
ito "Raize Financiamento PME") ou entre em contacto connosco atrav=C3=A9s d=
o **308 812 518** para mais informa=C3=A7=C3=B5es=C2=A0sobre as linhas de f=
inanciamento da Raize. Comece agora mesmo uma=C2=A0consulta gratuita e sem =
compromisso.
=C2=A0
**Boas Festas,**
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://=
www.raize.pt/empresas/financiamento-credito?utm_source=3DSendinBlue&utm_med=
ium=3DEmail&utm_campaign=3DEmailMarketing)
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=
ermite =C3=A0s empresas iniciar a jornada de sustentabilidade com um **auto=
diagn=C3=B3stico ESG gratuito** e a sistematiza=C3=A7=C3=A3o de indicadores=
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
Rua Tierno Galvan - Amoreiras
Torre 3, 17=C2=BA piso
1070-274 Lisboa, Portugal
[geral@raize.pt](mailto:geral@raize.pt)
Esta comunica=C3=A7=C3=A3o =C3=A9 dirigida exclusivamente =C3=A0 Sociedade.=
Quaisquer informa=C3=A7=C3=B5es sobre pessoas que n=C3=A3o a referida Soci=
edade resultam da rela=C3=A7=C3=A3o com a atividade empresarial e profissio=
nal e devem ser utilizadas exclusivamente por refer=C3=AAncia =C3=A0 Socied=
ade.
[Retirar-me da lista](http://r.marketing.raize.pt/mk/un/sh/WCPxRrWByckTjaLx=
qO6ysHxyXRtcVoAs/P69kBNl5mcAW)
=C2=A9 2024 Raize, Todos os direitos reservados.
[**Site**](https://www.raize.pt/empresas/financiamento-credito?utm_source=
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@import url("https://fonts.googleapis.com/css2?family=3DBitter&family=3DLa=
to&family=3DLobster&family=3DMontserrat&family=3DNoto Sans JP&family=3DOpen=
Sans&family=3DOswald&family=3DPermanent Marker&family=3DPoiret One&family=
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e-height: 1.2; word-break: break-word } .default-button { color: #ffffff; f=
ont-family: arial,helvetica,sans-serif; font-size: 16px; font-style: normal=
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: break-word } a, a:link { color: #ffcc00; font-style: normal; font-weight:=
bold; text-decoration: underline } .default-heading1 { color: #1F2D3D; fon=
t-family: arial,helvetica,sans-serif; font-size: 36px; word-break: break-wo=
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serif; font-size: 32px; word-break: break-word } .default-heading3 { color:=
#1F2D3D; font-family: arial,helvetica,sans-serif; font-size: 24px; word-br=
eak: break-word } .default-heading4 { color: #1F2D3D; font-family: arial,he=
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nt; font-size: inherit !important; font-family: inherit !important; font-we=
ight: inherit !important; line-height: inherit !important; } .no-show-for-y=
ou { border: none; display: none; float: none; font-size: 0; height: 0; lin=
e-height: 0; max-height: 0; mso-hide: all; overflow: hidden; table-layout: =
fixed; visibility: hidden; width: 0; } </style><!--[if mso]><xml> <o:Office=
DocumentSettings> <o:AllowPNG/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:O=
fficeDocumentSettings> </xml><![endif]--><style type=3D"text/css">a:link{co=
lor: #fc0; font-style: normal; font-weight: bold; text-decoration: underlin=
e;}</style></head><body bgcolor=3D"#ffffff" text=3D"#3b3f44" link=3D"#ffcc0=
0" yahoo=3D"fix" style=3D"background-color: #ffffff; padding-top: 38px;"> <=
table cellpadding=3D"0" border=3D"0" cellspacing=3D"0" style=3D" mso-hide: =
all; display: none;"><tr><td>Utilize este per=C3=ADodo para capitalizar a s=
ua empresa e garantir a sua estabilidade.͏‌ ͏‌&nbs=
p;͏‌ ͏‌ ͏‌ ͏‌ &=
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nbsp;͏‌ ͏‌ </td></tr></table> <!--[if mso]> <=
img width=3D"1" height=3D"1" src=3D"https://r.marketing.raize.pt/mk/op/sh/W=
CPxRrf2SE93WGxD1BvKICSLZ3BWrq8w/-W13_9CtAqTl" /> <![endif]-->
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ing.raize.pt/mk/op/sh/WCPxRrf2SE93WGxD1BvKICSLZ3BWrq8w/-W13_9CtAqTl" /> <!-=
- <![endif]--> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
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/gndIRnggs=
NTu" 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/4_bjdrfgWmlA.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>"Proteja a sua liquidez para garantir maior estabilidade."</stron=
g></span></p></div> </td> </tr></table></td> </tr></table></th> </tr></tabl=
e></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" sty=
le=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r14-i" style=3D"b=
ackground-color: #ffffff; padding-left: 20px; padding-right: 20px; padding-=
top: 5px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" borde=
r=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=
=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadd=
ing=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 width=3D"10=
0%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation">=
<tr><td class=3D"r13-c nl2go-default-textstyle" align=3D"left" style=3D"col=
or: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; word=
-break: break-word; line-height: 24px; padding-bottom: 10px; padding-top: 1=
0px; text-align: left; valign: top;"> <div><p style=3D"margin: 0; color: #3=
c4858; font-family: 'Arial',Helvetica,sans-serif; font-size: 24px;"><span s=
tyle=3D"color: #FFCC00; font-family: Arial,sans-serif; font-size: 13.5pt;">=
<strong>Ince</strong></span><span style=3D"color: #FFCC00; font-family: Ari=
al,sans-serif; font-size: 13.5pt;"><strong>rteza econ=C3=B3mica e risco de =
cr=C3=A9dito apontados como alguns dos desafios para as empresas portuguesa=
s em 2025. =C3=89 por isso que sugerimos analisar as melhores condi=C3=A7=
=C3=B5es de financiamento, para manter a liquidez da sua PME bem protegida =
durante os pr=C3=B3ximos meses e garantir estabilidade comercial e financei=
ra.</strong></span></p></div> </td> </tr></table></td> </tr></table></th> <=
/tr></table></td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" b=
order=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; padding-left: 20p=
x; padding-right: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpaddi=
ng=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"r16-o" style=3D"table-layout: fixed; width: 100%;">=
<tr><td align=3D"left" valign=3D"top" class=3D"r17-i nl2go-default-textstyl=
e" style=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-s=
ize: 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: #000000; font-family: Arial, helvetica, sans-serif; font-size: 1=
4px;"><strong>Incerteza econ=C3=B3mica motiva os principais desafios das em=
presas para 2025.</strong></span><br><br><span style=3D"color: #000000; fon=
t-family: Arial, helvetica, sans-serif; font-size: 14px;">Um estudo recente=
mente realizado pela Cr=C3=A9dito y Cauci=C3=B3n e pela Iberinform, que abr=
ange uma amostra representativa do setor empresarial nacional, destaca os p=
rincipais desafios enfrentados pelas empresas portuguesas em 2025, com base=
no cen=C3=A1rio econ=C3=B3mico atual. A <u>incerteza econ=C3=B3mica e o ba=
ixo crescimento</u> foram identificados como os maiores entraves por 50% da=
s empresas mas existem outros fatores a ter em considera=C3=A7=C3=A3o.=C2=
=A0</span></p><p style=3D"margin: 0;">=C2=A0</p><p style=3D"margin: 0;"><sp=
an style=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font=
-size: 14px;"><strong>Principais desafios identificados</strong></span></p>=
<p style=3D"margin: 0;">=C2=A0</p><ul style=3D"margin: 0; margin-top: 0cm;"=
><li style=3D"margin: 0;"><span style=3D"color: #000000; font-family: Arial=
, helvetica, sans-serif; font-size: 14px;"><u>Margens Comerciais e Custos O=
peracionais</u>:</span><ul style=3D"margin: 0; margin-top: 0cm;"><li style=
=3D"margin: 0;"><span style=3D"color: #000000; font-family: Arial, helvetic=
a, sans-serif; font-size: 14px;">38% das empresas relatam margens comerciai=
s insuficientes;</span></li><li style=3D"margin: 0;"><span style=3D"color: =
#000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;">36% e=
nfrentam custos laborais excessivos, agravados pela infla=C3=A7=C3=A3o que =
impacta 96% das empresas, elevando custos de produ=C3=A7=C3=A3o e aquisi=C3=
=A7=C3=A3o;</span></li></ul></li></ul><p style=3D"margin: 0; margin-top: 0c=
m;">=C2=A0</p><ul style=3D"margin: 0; margin-top: 0cm;"><li style=3D"margin=
: 0;"><span style=3D"color: #000000; font-family: Arial, helvetica, sans-se=
rif; font-size: 14px;"><u>Capta=C3=A7=C3=A3o de Clientes e Concorr=C3=AAnci=
a</u>:</span><ul style=3D"margin: 0; margin-top: 0cm;"><li style=3D"margin:=
0;"><span style=3D"color: #000000; font-family: Arial, helvetica, sans-ser=
if; font-size: 14px;">31% apontam dificuldades na reten=C3=A7=C3=A3o de nov=
os clientes;</span></li><li style=3D"margin: 0;"><span style=3D"color: #000=
000; font-family: Arial, helvetica, sans-serif; font-size: 14px;">26% menci=
onam o aumento da concorr=C3=AAncia como um fator cr=C3=ADtico;</span></li>=
</ul></li></ul><p style=3D"margin: 0; margin-top: 0cm;">=C2=A0</p><ul style=
=3D"margin: 0; margin-top: 0cm;"><li style=3D"margin: 0;"><span style=3D"co=
lor: #000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;">=
<u>Quest=C3=B5es Estruturais</u>:</span><ul style=3D"margin: 0; margin-top:=
0cm;"><li style=3D"margin: 0;"><span style=3D"color: #000000; font-family:=
Arial, helvetica, sans-serif; font-size: 14px;">A burocracia (25%), os atr=
asos nos pagamentos (22%) e o acesso limitado a financiamento (16%) continu=
am a restringir o crescimento empresarial.</span></li></ul></li></ul><p sty=
le=3D"margin: 0;">=C2=A0</p><p style=3D"margin: 0;"><span style=3D"color: #=
000000; font-family: Arial,sans-serif; font-size: 14px;"><strong>Adicionalm=
ente, o financiamento banc=C3=A1rio continua muito focado no curto-prazo=E2=
=80=A6 o que dificulta o investimento.</strong></span><br><br><span style=
=3D"color: #000000; font-family: Arial,sans-serif; font-size: 14px;">Atualm=
ente, de acordo com o Banco de Portugal, as empresas nacionais continuam mu=
ito dependentes do financiamento de curto-prazo (prazos at=C3=A9 1 ano). Es=
te foco no curto-prazo tem um efeito prejudicial nos novos investimentos e =
no crescimento da economia - em particular das empresas mais pequenas. Atua=
lmente, apenas 14% dos novos empr=C3=A9stimos banc=C3=A1rios t=C3=AAm um pr=
azo superior a 1 ano (ou seja, s=C3=A3o adequados para a realiza=C3=A7=C3=
=A3o de investimentos).</span></p></div> </td> </tr></table><table cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"550=
" align=3D"center" class=3D"r18-o" style=3D"table-layout: fixed; width: 550=
px;"><tr><td class=3D"r19-i" style=3D"font-size: 0px; line-height: 0px; pad=
ding-bottom: 15px; padding-top: 20px;"> <img src=3D"https://img.marketing.r=
aize.pt/im/sh/cL8Wqin3Z6Y_.png?u=3D92pJLo34vnrQtbCpgx4wDjJjACsvJK4L7eE" wid=
th=3D"550" border=3D"0" style=3D"display: block; width: 100%;" sib_img_id=
=3D"1"></td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=
=3D"0" role=3D"presentation" width=3D"100%" align=3D"left" class=3D"r16-o" =
style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=
=3D"top" class=3D"r17-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: #000000; font-famil=
y: Arial, helvetica, sans-serif; font-size: 14px;">Uma das caracter=C3=ADst=
icas chave do financiamento Raize =C3=A9 o seu foco no "m=C3=A9dio/longo-pr=
azo" e taxas fixas. Isto significa que quase todos os financiamentos t=C3=
=AAm prazos superiores a 3 anos para ajudar os empres=C3=A1rios a investir =
de forma sustent=C3=A1vel na sua atividade (com condi=C3=A7=C3=B5es competi=
tivas e sem press=C3=B5es de curto-prazo).</span></p><p style=3D"margin: 0;=
"><br><span style=3D"color: #000000; font-family: Arial, helvetica, sans-se=
rif; font-size: 14px;"><strong>Comece 2025 com a sua PME bem capitalizada.<=
/strong></span></p><p style=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;">Seja pelos compromissos de produ=C3=A7=C3=A3o assumidos =
ou pela ambi=C3=A7=C3=A3o de "fechar bem o ano", o final de Dezembro pode s=
er atarefado e agitado para muitas empresas portuguesas. Por isso, aproveit=
e os pr=C3=B3ximos dias para tratar do financiamento que precisa. Na Raize =
verificamos todos os anos um aumento significativo das solicita=C3=A7=C3=B5=
es de cr=C3=A9dito no m=C3=AAs de janeiro. Este fen=C3=B3meno empresarial (=
facilmente justific=C3=A1vel) faz com que algumas aprova=C3=A7=C3=B5es =E2=
=80=93 junto da Raize ou dos bancos =E2=80=93 possam ser um pouco mais demo=
radas. Se gosta de obter as melhores condi=C3=A7=C3=B5es, antecipe o seu pe=
dido de financiamento e comece 2025 com o financiamento que precisa em caix=
a.</span></p><p style=3D"margin: 0;">=C2=A0</p><p style=3D"margin: 0;"><spa=
n style=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-=
size: 14px;"><strong>Utilize este per=C3=ADodo para capitalizar a sua empre=
sa e garantir maior estabilidade.</strong></span></p><p style=3D"margin: 0;=
">=C2=A0</p><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0cm;=
"><span style=3D"color: black; font-family: Arial, helvetica, sans-serif; f=
ont-size: 14px;">Aceda a </span><a href=3D"http://r.marketing.raize.pt/mk/c=
l/f/sh/WCPzyXJTZ72ikArxgyPP6lDjBjK2hRuk/p-mAucd4-8j1" title=3D"Raize Financ=
iamento PME" target=3D"_blank" style=3D"color: #fc0; font-style: normal; fo=
nt-weight: bold; text-decoration: underline;" sib_link_id=3D"1" templating=
=3D"n"><span style=3D"background-color: transparent; color: #ffcc00; font-f=
amily: Arial, helvetica, sans-serif; font-size: 14px;"><strong>www.raize.pt=
</strong></span></a><span style=3D"background-color: transparent; color: #0=
00000; font-family: Arial, helvetica, sans-serif; font-size: 14px;"> ou ent=
re em contacto connosco atrav=C3=A9s do </span><span style=3D"background-co=
lor: transparent; color: #ffcc00; font-family: Arial, helvetica, sans-serif=
; font-size: 14px;"><strong>308 812 518</strong></span><span style=3D"backg=
round-color: transparent; color: #000000; font-family: Arial, helvetica, sa=
ns-serif; font-size: 14px;"> para mais informa=C3=A7=C3=B5es=C2=A0sobre as =
linhas de financiamento da Raize. </span><span style=3D"color: black; font-=
family: Arial, helvetica, sans-serif; font-size: 14px;">Comece agora mesmo =
uma=C2=A0<u>consulta gratuita e sem compromisso</u>.</span><br><span style=
=3D"font-family: Arial, helvetica, sans-serif; font-size: 14px;">=C2=A0</sp=
an><br><span style=3D"color: #000000; font-family: Arial, helvetica, sans-s=
erif; font-size: 14px;"><strong>Boas Festas,</strong></span><br><span style=
=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-size: 1=
4px;">Equipa Raize</span><br><br><br><span style=3D"color: #000000;">---</s=
pan><br><span style=3D"color: #000000; font-size: 11px;">Financiamento suje=
ito 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 sup=
ervisionada 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 autorizad=
a e supervisionada pelo Banco de Portugal.</span></p></div> </td> </tr></ta=
ble></th> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpadd=
ing=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"r20-i" style=3D"background-color: #ffffff; padding-left: 20px; padding-=
right: 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"100%" =
valign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"4=
95" align=3D"center" class=3D"r11-o" style=3D"background-color: #ffcc00; bo=
rder-collapse: separate; border-color: #000000; border-radius: 4px; border-=
style: solid; border-width: 0px; table-layout: fixed; width: 495px;"><tr><t=
d height=3D"21" align=3D"center" valign=3D"top" class=3D"r21-i nl2go-defaul=
t-textstyle" style=3D"word-break: break-word; background-color: #ffcc00; bo=
rder-radius: 4px; color: #ffffff; font-family: arial,helvetica,sans-serif; =
font-size: 16px; font-style: normal; line-height: 1.15; padding-bottom: 17p=
x; padding-left: 5px; padding-right: 5px; padding-top: 17px; text-align: ce=
nter;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7AVoD5E3=
3t4sVNWKWD9x9Ws/3RpmZ2TTgCK-" class=3D"r22-r default-button" target=3D"_bla=
nk" data-btn=3D"1" style=3D"font-style: normal; font-weight: normal; line-h=
eight: 1.15; text-decoration: none; word-break: break-word; word-wrap: brea=
k-word; display: block; -webkit-text-size-adjust: none; color: #ffffff; fon=
t-family: arial,helvetica,sans-serif; font-size: 16px;" sib_link_id=3D"2" t=
emplating=3D"n"> <span style=3D"color: #000000; font-family: Arial,Helvetic=
a,sans-serif; font-size: 18px;"><strong>COME=C3=87AR PROCESSO DE ESTUDO</st=
rong><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><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"r12-i" style=3D"background-color: #fffff=
f;"> <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" st=
yle=3D"padding-left: 15px; padding-right: 15px;"> <table width=3D"100%" cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td=
class=3D"r2-c" align=3D"center"> <table cellspacing=3D"0" cellpadding=3D"0=
" border=3D"0" role=3D"presentation" width=3D"336" class=3D"r18-o" style=3D=
"table-layout: fixed; width: 336px;"><tr><td class=3D"r23-i" style=3D"font-=
size: 0px; line-height: 0px; padding-bottom: 15px; padding-top: 15px;"> <im=
g src=3D"https://img.marketing.raize.pt/im/sh/UQVlXWtkfkNu.png?u=3D92pJLo34=
vnrQtiztjALIJCzUuMg46DBapGM" width=3D"336" border=3D"0" style=3D"display: b=
lock; 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"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"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"r24-c" align=3D"center" style=3D"font-s=
ize: 0px; line-height: 0px; valign: top;"> <a href=3D"http://r.marketing.ra=
ize.pt/mk/cl/f/sh/WCPzyXJTZ7IIsFIUP9MkeFXJTJ6HCr90/JR76EqAx9USY" target=3D"=
_blank" style=3D"color: #fc0; font-style: normal; font-weight: bold; text-d=
ecoration: underline;" sib_link_id=3D"3" templating=3D"n"> <img src=3D"http=
s://img.marketing.raize.pt/im/sh/IPdvHYPUOfls.png?u=3D92pJLo34vnrQtqmxlNbeO=
gfGeWTCt6IqWsU" 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" bo=
rder=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" class=3D"r=
11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r4-i" st=
yle=3D"background-color: #ffffff; padding-bottom: 20px; padding-top: 20px;"=
> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" ro=
le=3D"presentation"><tr><th width=3D"50%" valign=3D"top" class=3D"r5-c" sty=
le=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"tabl=
e-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r25-i" style=
=3D"padding-left: 8px; padding-right: 8px;"> <table width=3D"100%" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td clas=
s=3D"r26-c" align=3D"center" style=3D"border-radius: -1px; font-size: 0px; =
line-height: 0px; valign: top;"> <a href=3D"http://r.marketing.raize.pt/mk/=
cl/f/sh/WCPzyXJTZ7Q5wHVklEqQPzh6c5zOSYl8/lEqV2fly7qJo" target=3D"_blank" st=
yle=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.ma=
rketing.raize.pt/im/sh/1XCDG0GOLefk.png?u=3D92pJLo34vnrQtya1nas0UAL2OgGLfzQ=
6EUc" width=3D"279" border=3D"0" style=3D"display: block; width: 100%; bord=
er-radius: -1px;" sib_img_id=3D"4"></a> </td> </tr></table></td> </tr></tab=
le></th> <th width=3D"50%" valign=3D"top" class=3D"r5-c" style=3D"font-weig=
ht: 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: fixe=
d; width: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-lef=
t: 8px; padding-right: 8px;"> <table width=3D"100%" cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r27-c" ali=
gn=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" class=3D"r28-o" style=3D"table-layout: fix=
ed; width: 100%;"><tr><td align=3D"left" valign=3D"top" class=3D"r29-i nl2g=
o-default-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,=
sans-serif; font-size: 16px; word-break: break-word; line-height: 1; text-a=
lign: left;"> <div><h2 class=3D"default-heading2" style=3D"margin: 0; color=
: #1f2d3d; font-family: arial,helvetica,sans-serif; font-size: 32px; word-b=
reak: break-word;"><span style=3D"color: #ffcc00; font-size: 28px;">SIBS ES=
G: 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; l=
ine-height: 5px;">=C2=AD</td> </tr></table></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"100%" class=3D"r30-o" style=3D"table-layout:=
fixed; width: 100%;"><tr><td align=3D"left" valign=3D"top" class=3D"r31-i =
nl2go-default-textstyle" style=3D"color: #3b3f44; font-family: arial,helvet=
ica,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 portuguesas a nova plataforma </span=
><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Xt0Jj17KK6Bjqt=
kssViGNG/C74FfUXLMvTj" target=3D"_blank" style=3D"color: #fc0; font-style: =
normal; font-weight: bold; text-decoration: underline;" sib_link_id=3D"5" t=
emplating=3D"n"><span style=3D"font-family: Arial, helvetica, sans-serif; f=
ont-size: 12px;">SIBS ESG</span></a><span style=3D"color: #000000; font-fam=
ily: Arial, helvetica, sans-serif; font-size: 12px;">. </span><span style=
=3D"color: #3c4858; font-family: Arial, helvetica, sans-serif; font-size: 1=
2px;">Um servi=C3=A7o que permite =C3=A0s empresas iniciar a jornada de sus=
tentabilidade com um <strong>autodiagn=C3=B3stico ESG gratuito</strong> e a=
sistematiza=C3=A7=C3=A3o de indicadores de sustentabilidade, facilitando a=
partilha de informa=C3=A7=C3=A3o com outras entidades.=C2=A0</span><span s=
tyle=3D"color: #3c4858; font-size: 12px;">=C2=A0</span></p></div> </td> </t=
r><tr class=3D"nl2go-responsive-hide"><td height=3D"15" style=3D"font-size:=
15px; line-height: 15px;">=C2=AD</td> </tr></table></td> </tr><tr><td clas=
s=3D"r27-c" align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" bord=
er=3D"0" role=3D"presentation" width=3D"160" class=3D"r32-o" style=3D"table=
-layout: fixed; width: 160px;"><tr><td height=3D"18" align=3D"center" valig=
n=3D"top" class=3D"r33-i nl2go-default-textstyle" style=3D"color: #3b3f44; =
font-family: arial,helvetica,sans-serif; font-size: 16px; line-height: 1.2;=
word-break: break-word;"> <!--[if mso]> <v:roundrect xmlns:v=3D"urn:schem=
as-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word" hre=
f=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7fg4LwHTPnlxU0gtflcxxz=
O/MVEgQRJtwsOM" style=3D"v-text-anchor:middle; height: 41px; width: 159px;"=
arcsize=3D"20%" fillcolor=3D"#ffcc00" strokecolor=3D"#ffcc00" strokeweight=
=3D"1px" data-btn=3D"2" sib_link_id=3D"6" templating=3D"n"> <w:anchorlock> =
</w:anchorlock> <v:textbox inset=3D"0,0,0,0"> <div style=3D"display:none;">=
<center class=3D"default-button"><span><span style=3D"color:#000000;"><str=
ong>Saber mais</strong></span></span></center> </div> </v:textbox> </v:roun=
drect> <![endif]--> <!--[if !mso]><!-- --> <a href=3D"http://r.marketing.r=
aize.pt/mk/cl/f/sh/WCPzyXJTZ7fg4LwHTPnlxU0gtflcxxzO/MVEgQRJtwsOM" class=3D"=
r34-r default-button" target=3D"_blank" data-btn=3D"2" style=3D"font-style:=
normal; font-weight: normal; line-height: 1.15; text-decoration: none; wor=
d-break: break-word; border-style: solid; word-wrap: break-word; display: b=
lock; -webkit-text-size-adjust: none; background-color: #ffcc00; border-col=
or: #666666; border-radius: 8px; border-width: 0px; color: #ffffff; font-fa=
mily: arial,helvetica,sans-serif; font-size: 16px; height: 18px; mso-hide: =
all; padding-bottom: 12px; padding-left: 0px; padding-right: 0px; padding-t=
op: 12px; width: 160px;" sib_link_id=3D"6" templating=3D"n"> <span><span st=
yle=3D"color: #000000;"><strong>Saber mais</strong></span></span></a> <!--<=
![endif]--> </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"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" cellpadding=3D"0" border=3D"0" =
role=3D"presentation"><tr><th width=3D"50%" valign=3D"top" class=3D"r5-c" s=
tyle=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" b=
order=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"ta=
ble-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r25-i" sty=
le=3D"padding-left: 8px; padding-right: 8px;"> <table width=3D"100%" cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td cl=
ass=3D"r26-c" align=3D"center" style=3D"border-radius: -1px; font-size: 0px=
; line-height: 0px; valign: top;"> <a href=3D"http://r.marketing.raize.pt/m=
k/cl/f/sh/WCPzyXJTZ7nT8O9XpVHRjEAU2SekDfbW/8Pn5-WGJPIJg" target=3D"_blank" =
style=3D"color: #fc0; font-style: normal; font-weight: bold; text-decoratio=
n: underline;" sib_link_id=3D"7" templating=3D"n"> <img src=3D"https://img.=
marketing.raize.pt/im/sh/IVXC8fgcGf7y.png?u=3D92pJLo34vnrQu6N5po8MZe0o8q3US=
sXLw6k" width=3D"279" border=3D"0" style=3D"display: block; width: 100%; bo=
rder-radius: -1px;" sib_img_id=3D"5"></a> </td> </tr></table></td> </tr></t=
able></th> <th width=3D"50%" valign=3D"top" class=3D"r5-c" style=3D"font-we=
ight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout: fix=
ed; width: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-le=
ft: 8px; padding-right: 8px;"> <table width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r27-c" al=
ign=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" class=3D"r28-o" style=3D"table-layout: fix=
ed; width: 100%;"><tr><td align=3D"left" valign=3D"top" class=3D"r29-i nl2g=
o-default-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,=
sans-serif; font-size: 16px; word-break: break-word; line-height: 1; text-a=
lign: left;"> <div><h2 class=3D"default-heading2" style=3D"margin: 0; color=
: #1f2d3d; font-family: arial,helvetica,sans-serif; font-size: 32px; word-b=
reak: break-word;"><span style=3D"color: #ffcc00; font-size: 28px;"><strong=
>Raize em destaque no Portugal Fintech Report</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 cellspacing=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 align=3D"left" valign=3D"top" cl=
ass=3D"r31-i nl2go-default-textstyle" style=3D"color: #3b3f44; 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"color: #3c4858; font-family: Arial, helvetica, sans-serif; font-size: 1=
2px;">A Raize est=C3=A1 destacada no </span><a href=3D"http://r.marketing.r=
aize.pt/mk/cl/f/sh/WCPzyXJTZ7vGCQMoBal7UyKHBFXrTNDe/QDqbYR69UmRT" title=3D"=
Portugal Fintech Report" target=3D"_blank" style=3D"color: #fc0; font-style=
: normal; font-weight: bold; text-decoration: underline;" sib_link_id=3D"8"=
templating=3D"n"><span style=3D"color: #ffcc00; font-family: Arial, helvet=
ica, sans-serif; font-size: 12px;"><strong>Portugal Fintech Report</strong>=
</span></a><span style=3D"color: #3c4858; font-family: Arial, helvetica, sa=
ns-serif; font-size: 12px;"> 2024 da Portugal Fintech como uma das principa=
is Fintechs a operar no pa=C3=ADs. O Portugal Fintech Report revela anualme=
nte o estado do ecossistema fintech portugu=C3=AAs, ao divulgar estat=C3=AD=
sticas da ind=C3=BAstria, entrevistas com experts e exemplos reais de colab=
ora=C3=A7=C3=A3o.</span></p></div> </td> </tr><tr class=3D"nl2go-responsive=
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able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
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ans-serif; font-size: 16px; line-height: 1.2; word-break: break-word;"> <!=
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llspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><t=
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0%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left: 5px; padd=
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adding-left: 20px; padding-right: 20px; text-align: left; valign: top;"> <d=
iv><p style=3D"margin: 0; font-family: Arial,Helvetica,sans-serif; font-siz=
e: 14px; color: #888888;"><span>Raize<br>Rua Tierno Galvan - Amoreiras<br>T=
orre 3, 17=C2=BA piso<br>1070-274 Lisboa, Portugal<br><a href=3D"mailto:ger=
al@raize.pt" style=3D"color: #fc0; font-style: normal; font-weight: bold; t=
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ble-layout: fixed; width: 100%;"><tr><td class=3D"r40-i" style=3D"font-size=
: 0px; line-height: 0px; padding-bottom: 5px; padding-top: 5px;"> <a href=
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; font-weight: bold; text-decoration: underline;" sib_link_id=3D"12" templa=
ting=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/1kEMzPnXJoff.p=
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=3D"display: block; width: 100%;" sib_img_id=3D"8"></a> </td> </tr></table>=
</th> </tr></table></td> </tr></table></td> </tr></table></td> </tr></table=
></td> </tr></table></td> </tr></table></th> </tr></table></td> </tr></tabl=
e><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentat=
ion" 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: #ff=
ffff; padding-bottom: 20px; padding-left: 20px; padding-right: 20px; paddin=
g-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bo=
rder=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" clas=
s=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpad=
ding=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; font-family: Arial,Helvetica,sans-serif; font-size: 14px; co=
lor: #3c4858;"><span><span style=3D"font-size: 10px;"><span style=3D"color:=
#000000;">Esta comunica=C3=A7=C3=A3o =C3=A9 dirigida exclusivamente =C3=A0=
Sociedade. Quaisquer informa=C3=A7=C3=B5es sobre pessoas que n=C3=A3o a re=
ferida Sociedade resultam da rela=C3=A7=C3=A3o com a atividade empresarial =
e profissional e devem ser utilizadas exclusivamente por refer=C3=AAncia =
=C3=A0 Sociedade.</span></span></span></p></div> </td> </tr></table></th> <=
/tr></table></td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" b=
order=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"r42-i" =
style=3D"background-color: #ffffff; padding-top: 10px;"> <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: 15=
px; padding-right: 15px;"> <table width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r27-c" align=
=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"=
presentation" width=3D"100%" class=3D"r16-o" style=3D"table-layout: fixed; =
width: 100%;"><tr><td align=3D"center" valign=3D"top" class=3D"r33-i nl2go-=
default-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,sa=
ns-serif; font-size: 16px; line-height: 1.2; word-break: break-word; text-a=
lign: center;"> <div><p style=3D"margin: 0; font-family: Arial,Helvetica,sa=
ns-serif; font-size: 14px; color: #888888;"></p></div> </td> </tr></table><=
/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"100%" class=
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ter" valign=3D"top" class=3D"r33-i nl2go-default-textstyle" style=3D"color:=
#3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; line-he=
ight: 1.2; word-break: break-word; text-align: center;"> <div><p style=3D"m=
argin: 0;"><a href=3D"http://r.marketing.raize.pt/mk/un/sh/WCPxRrWByckTjaLx=
qO6ysHxyXRtcVoAs/P69kBNl5mcAW" style=3D"color: #fc0; font-style: normal; fo=
nt-weight: bold; text-decoration: underline;"><span style=3D"font-family: A=
rial,Helvetica,sans-serif; font-size: 14px; color: #ffcc00; text-decoration=
: underline;"><span>Retirar-me da lista</span></span></a></p></div> </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=
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table-layout: fixed; width: 100%;"><tr><td class=3D"r43-i" style=3D"backgro=
und-color: #ffffff; padding-bottom: 10px; padding-top: 10px;"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-we=
ight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation" width=3D"100%" align=3D"left" class=3D"r16-o" style=3D"t=
able-layout: fixed; width: 100%;"><tr><td align=3D"center" valign=3D"top" c=
lass=3D"r33-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-family=
: 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-family=
: Arial,Helvetica,sans-serif; font-size: 14px; color: #888888;"><span>=C2=
=A9 2024 Raize, Todos os direitos reservados.</span></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"r4-i" style=3D"background-color: #ffffff; padding-bottom: 20px; padd=
ing-left: 20px; padding-right: 20px; padding-top: 20px;"> <table width=3D"1=
00%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
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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; w=
idth: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-left: 5=
px; padding-right: 5px;"> <table width=3D"100%" cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r8-c" align=3D=
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le=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" bor=
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arial,helvetica,sans-serif; font-size: 16px; line-height: 1.2; text-align: =
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