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Content preview: **Precisa de reforçar a sua tesouraria para investir mais?**
============================================================ **Os pagamentos
a horas continuam a ser um dos problemas do setor empresarial [...]
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**Precisa de refor=C3=A7ar a sua tesouraria para investir mais?**
=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=
=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=
=3D=3D=3D=3D=3D=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**
=C2=A0
**O atraso nos recebimentos e a falta de tesouraria das PME limita o potenc=
ial para investir...**
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. No entanto, a realidade mostra-nos que o a=
traso 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 empresas (em particular das mais pe=
quenas).
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 20% cumpre=
m 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.
Apesar da atual conjuntura e evolu=C3=A7=C3=A3o econ=C3=B3mica, os pagament=
os a horas continuam a ser um problema em Portugal e limitam o potencial da=
s empresas para investir. Uma das estrat=C3=A9gias para contornar este obst=
=C3=A1culo, =C3=A9 refor=C3=A7ar a tesouraria com recurso a financiamento e=
xterno.
=C2=A0
**Boas pr=C3=A1ticas para quem est=C3=A1 a pensar num novo financiamento=E2=
=80=A6 comece 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.=E2=80=8B=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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iver um plano aprovado e a ser cumprido). Para obter informa=C3=A7=C3=A3o a=
tualizada sobre a sua exposi=C3=A7=C3=A3o banc=C3=A1ria, consulte o seu map=
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aign=3D288%2023052023&utm_medium=3Demail). Mantenha tamb=C3=A9m atualizadas=
as suas certid=C3=B5es de n=C3=A3o d=C3=ADvida =C3=A0=C2=A0[Autoridade Tri=
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=C2=A0
**Para investir ou para salvaguardar... antecipe eventuais necessidades de =
tesouraria e mantenha a sua empresa bem capitalizada.**
=C2=A0
Somos r=C3=A1pidos e apresentamos condi=C3=A7=C3=B5es competitivas, com tax=
as fixas, para ajudar as empresas portuguesas a superar os desafios dos pr=
=C3=B3ximos meses. Fa=C3=A7a hoje uma consulta totalmente gratuita e sem co=
mpromisso e obtenha financiamento para tesouraria e investimento. Aceda a [=
**www.raize.pt**](https://www.raize.pt/empresas/financiamento-credito "Raiz=
e Financiamento PME") ou entre em contacto connosco atrav=C3=A9s do email [=
risco@raize.pt](mailto:risco@raize.pt?subject=3DInforma%C3%A7%C3%B5es "Pedi=
do de informa=C3=A7=C3=B5es") para mais informa=C3=A7=C3=B5es=C2=A0sobre as=
linhas de financiamento da Raize. Comece agora mesmo um processo de estudo=
(2minutos).
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)
Raize reconhecida pelo cumprimento do C=C3=B3digo Europeu de Boa Conduta
-------------------------------------------------------------------
=E2=80=9CEsta conquista refor=C3=A7a o nosso **compromisso cont=C3=ADnuo co=
m o financiamento =C3=A9tico**, assegurando a conformidade com as regras e =
**boas pr=C3=A1ticas do setor financeiro**. Continuaremos a trabalhar com d=
edica=C3=A7=C3=A3o e a liderar pelo exemplo.=E2=80=9D=C2=A0=C2=A0
[ **Saber mais**](https://blog.raize.pt/raize-reconhecida-pelo-cumprimento-=
do-codigo-europeu-de-boa-conduta/ "C=C3=B3digo Boa Conduta")
Podcast Capital de Sucesso com Camilo Louren=C3=A7o
----------------------------------------------
A Raize em parceria com a Flexdeal, apoia o novo podcast Capital de Sucesso=
, com produ=C3=A7=C3=A3o e modera=C3=A7=C3=A3o do jornalista econ=C3=B3mico=
Camilo Louren=C3=A7o, sobre Financiamento e Investimento Alternativo. **Ac=
ompanhe o podcast semanalmente nas plataformas habituais**!
[ **Saber mais**](https://blog.raize.pt/podcast-capital-de-sucesso-todos-os=
-episodios/ "Podcast Capital de Sucesso")
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/WCPxRrWByckThl85=
9nUGT5um31CMewrK/HorCKDJmLatU)
=C2=A9 2025 Raize, Todos os direitos reservados.
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to&family=3DLobster&family=3DMontserrat&family=3DNoto Sans JP&family=3DOpen=
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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=
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fixed; visibility: hidden; width: 0; } </style><!--[if mso]><xml> <o:Office=
DocumentSettings> <o:AllowPNG/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:O=
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lor: #fc0; font-style: normal; font-weight: bold; text-decoration: underlin=
e;}</style></head><body bgcolor=3D"#ffffff" text=3D"#000000" 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>Na Raize, somos especialistas a apoiar as empr=
esas n=C3=A3o importa a dimens=C3=A3o ou setor.‌ ­‌ &n=
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ght=3D"1" src=3D"https://r.marketing.raize.pt/mk/op/sh/WCPxRrf2SE93URjKKbIb=
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<!--[if !mso]> <!----> <img style=3D"display:none" src=3D"https://r.market=
ing.raize.pt/mk/op/sh/WCPxRrf2SE93URjKKbIbt0P94cUH0ypO/7tHaOzHo2UO_" /> <!-=
- <![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/WCPzyXJTZ6uveJQoeIJ0vp0jYVjfasz4/6MtUn_7_b=
t_J" 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/y64G-XAstEDO.png?u=3D92pJLo=
34vnrQtTPjpVvtXcvYDztI5jhEYiY" 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: #000; font-family: arial,helvetica,sans-serif; font-size: 14px; =
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;"><span=
style=3D"color: black; font-family: Arial,sans-serif; font-size: 48px;"><s=
trong>Precisa de refor=C3=A7ar a sua tesouraria para investir mais?</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" styl=
e=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r14-i" style=3D"ba=
ckground-color: #ffffff; padding-left: 20px; padding-right: 20px; padding-t=
op: 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" sty=
le=3D"table-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r7=
-i" style=3D"padding-left: 5px; padding-right: 5px;"> <table width=3D"100%"=
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr=
><td class=3D"r13-c nl2go-default-textstyle" align=3D"left" style=3D"color:=
#000; font-family: arial,helvetica,sans-serif; font-size: 14px; word-break=
: break-word; line-height: 24px; padding-bottom: 10px; padding-top: 10px; t=
ext-align: left; valign: top;"> <div><p style=3D"margin: 0;"><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 empresaria=
l portugu=C3=AAs e afetam, em muitos casos, a capacidade de investimento. N=
a Raize as empresas podem obter financiamento de forma simples e r=C3=A1pid=
a para apoiar eventuais constrangimentos de liquidez.=C2=A0</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"tab=
le-layout: fixed; width: 100%;"><tr><td class=3D"r12-i" style=3D"background=
-color: #ffffff; padding-left: 20px; padding-right: 20px;"> <table width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentatio=
n"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weigh=
t: 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"ta=
ble-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=3D"top" clas=
s=3D"r16-i nl2go-default-textstyle" style=3D"color: #000; font-family: aria=
l,helvetica,sans-serif; font-size: 14px; word-break: break-word; line-heigh=
t: 1.5; text-align: left;"> <div><p style=3D"margin: 0;">=C2=A0</p><p style=
=3D"margin: 0;"><strong>O atraso nos recebimentos e a falta de tesouraria d=
as PME limita o potencial para investir...</strong><br><br>Mais do que nunc=
a, 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 d=
os desenvolvimentos de mudan=C3=A7a que podem conduzir a um crescimento mai=
s pr=C3=B3spero. No entanto, a realidade mostra-nos que o atraso nos recebi=
mentos e os constrangimentos de liquidez continuam a ser um dos problemas d=
o setor empresarial portugu=C3=AAs e que afetam, em muitos casos, a capacid=
ade de investimento das empresas (em particular das mais pequenas).</p><p s=
tyle=3D"margin: 0;"><br>Segundo dados de um estudo da Informa D&B, grande p=
arte das empresas portuguesas paga com um atraso m=C3=A9dio de 23 dias, sen=
do que apenas 20% cumprem em m=C3=A9dia com os prazos.</p><p style=3D"margi=
n: 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"prese=
ntation" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-lay=
out: fixed; width: 100%;"><tr><td class=3D"r12-i" style=3D"background-color=
: #ffffff; padding-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: nor=
mal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pres=
entation" width=3D"550" align=3D"center" class=3D"r17-o" style=3D"table-lay=
out: fixed; width: 550px;"><tr><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/WCPz=
yXJTZ72iiLe50NmghZAWhIcmqabC/14bjCZhIzVB2" target=3D"_blank" style=3D"color=
: #fc0; font-style: normal; font-weight: bold; text-decoration: underline;"=
sib_link_id=3D"1" templating=3D"n"> <img src=3D"https://img.marketing.raiz=
e.pt/im/sh/b-urIfKHdDVK.png?u=3D92pJLo34vnrQtbCnrjCFd6bJy9gQscoUGKg" width=
=3D"550" border=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"=
1"></a> </td> </tr></table></th> </tr></table></td> </tr></table><table cel=
lspacing=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"r18-i" style=3D"background-color: #ffffff; pad=
ding-bottom: 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%" class=3D=
"r6-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valign=3D"top" c=
lass=3D"r7-i" style=3D"padding-left: 15px; padding-right: 15px;"> <table wi=
dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"prese=
ntation"><tr><td class=3D"r19-c nl2go-default-textstyle" align=3D"left" sty=
le=3D"color: #000; font-family: arial,helvetica,sans-serif; font-size: 14px=
; word-break: break-word; line-height: 1.5; text-align: left; valign: top;"=
> <div><p style=3D"margin: 0;">Estes n=C3=BAmeros mostram como =C3=A9 impor=
tante fazer uma boa gest=C3=A3o de tesouraria - capaz de suportar eventuais=
deslizes de clientes sem comprometer a atividade da empresa.<br>Apesar da =
atual conjuntura e evolu=C3=A7=C3=A3o econ=C3=B3mica, os pagamentos a horas=
continuam a ser um problema em Portugal e limitam o potencial das empresas=
para investir. Uma das estrat=C3=A9gias para contornar este obst=C3=A1culo=
, =C3=A9 refor=C3=A7ar a tesouraria com recurso a financiamento externo.<br=
>=C2=A0</p><p style=3D"margin: 0;"><span style=3D"color: black; font-family=
: Arial,sans-serif; font-size: 10.5pt;"><strong>Boas pr=C3=A1ticas para que=
m est=C3=A1 a pensar num novo financiamento=E2=80=A6 comece por pensar sobr=
e estas 3 quest=C3=B5es:</strong></span></p><p style=3D"margin: 0;">=C2=A0<=
/p><ul style=3D"margin: 0;"><li style=3D"margin: 0;"><span style=3D"color: =
black; font-family: Arial,sans-serif; font-size: 10.5pt;"><strong>Qual o mo=
ntante que realmente preciso?</strong>=C2=A0A maioria das empresas portugue=
sas obt=C3=A9m empr=C3=A9stimos entre os 25 e os 50 mil euros. Um novo fina=
nciamento n=C3=A3o deve exceder (tipicamente) os 25% do total de fatura=C3=
=A7=C3=A3o anual de uma empresa.=E2=80=8B</span></li></ul><p style=3D"margi=
n: 0;">=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>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 par=
a amortizar o empr=C3=A9stimo. Pense nas boas alturas e tamb=C3=A9m nas men=
os 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 style=3D=
"margin: 0;"><span style=3D"color: black; font-family: Arial,sans-serif; fo=
nt-size: 10.5pt;"><strong>Tenho as minhas contas em dia?</strong>=C2=A0Para=
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 Autoridad=
e Tribut=C3=A1ria (exceto se tiver um plano aprovado e a ser cumprido). Par=
a obter informa=C3=A7=C3=A3o atualizada sobre a sua exposi=C3=A7=C3=A3o ban=
c=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/WCPzyXJTZ7AVmNrLMT=
GMTJKJq5Vu6IDK/72EJl2Cs_L8F" style=3D"color: #fc0; font-style: normal; font=
-weight: bold; text-decoration: underline;" sib_link_id=3D"2" 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-fa=
mily: Arial,sans-serif; font-size: 10.5pt;">. Mantenha tamb=C3=A9m atualiza=
das as suas certid=C3=B5es de n=C3=A3o d=C3=ADvida =C3=A0=C2=A0</span><a hr=
ef=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIqQ4biYk2F3U6ysP1Lz=
pS/DeDDv3OPyacs" style=3D"color: #fc0; font-style: normal; font-weight: bol=
d; text-decoration: underline;" sib_link_id=3D"3" templating=3D"n"><span st=
yle=3D"color: #ffcc00; font-family: Arial,sans-serif; font-size: 10.5pt;">A=
utoridade Tribut=C3=A1ria</span></a><span style=3D"color: black; font-famil=
y: Arial,sans-serif; font-size: 10.5pt;">=C2=A0e=C2=A0</span><a href=3D"htt=
p://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Q5uSHs4eDi0ndu7fI8bhRa/0Ygq8S=
hfqFJm" style=3D"color: #fc0; font-style: normal; font-weight: bold; text-d=
ecoration: underline;" sib_link_id=3D"4" templating=3D"n"><span style=3D"co=
lor: #ffcc00; font-family: Arial,sans-serif; font-size: 10.5pt;">Seguran=C3=
=A7a Social</span></a><span style=3D"color: black; font-family: Arial,sans-=
serif; font-size: 10.5pt;">.</span></li></ul><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>Para investir ou para salvaguardar=
... antecipe eventuais necessidades de tesouraria e mantenha a sua empresa =
bem capitalizada.</strong></span></p><p style=3D"margin: 0;">=C2=A0</p><p s=
tyle=3D"margin: 0;"><span style=3D"color: black; font-family: Arial,sans-se=
rif; font-size: 10.5pt;">Somos r=C3=A1pidos e apresentamos condi=C3=A7=C3=
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superar os desafios dos pr=C3=B3ximos meses. Fa=C3=A7a hoje uma consulta to=
talmente gratuita e sem compromisso e obtenha financiamento para tesouraria=
e investimento. </span><span style=3D"color: black; font-family: Arial, he=
lvetica, sans-serif; font-size: 14px;">Aceda a </span><a href=3D"http://r.m=
arketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7XsyUV8QjhNmXnhGSBFrP3i/2Txs6vE1ye5E"=
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font-style: normal; font-weight: bold; text-decoration: underline;" sib_lin=
k_id=3D"5" templating=3D"n"><span style=3D"background-color: transparent; c=
olor: #ffcc00; font-family: Arial, helvetica, sans-serif; font-size: 14px;"=
><strong>www.raize.pt</strong></span></a><span style=3D"background-color: t=
ransparent; color: #000000; font-family: Arial, helvetica, sans-serif; font=
-size: 14px;"> ou entre em contacto connosco atrav=C3=A9s do email </span><=
a href=3D"mailto:risco@raize.pt?subject=3DInforma%C3%A7%C3%B5es" title=3D"P=
edido de informa=C3=A7=C3=B5es" target=3D"_blank" style=3D"color: #fc0; fon=
t-style: normal; font-weight: bold; text-decoration: underline;"><span styl=
e=3D"background-color: transparent; color: #ffcc00; font-family: Arial, hel=
vetica, sans-serif; font-size: 14px;">risco@raize.pt</span></a><span style=
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etica, sans-serif; font-size: 14px;"> </span><span style=3D"background-colo=
r: transparent; color: #000000; font-family: Arial, helvetica, sans-serif; =
font-size: 14px;">para mais informa=C3=A7=C3=B5es=C2=A0sobre as linhas de f=
inanciamento da Raize. </span><span style=3D"color: black; font-family: Ari=
al,sans-serif; font-size: 10.5pt;">Comece agora mesmo um processo de estudo=
(2minutos).</span></p><p style=3D"margin: 0; text-align: justify;"><br><sp=
an style=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font=
-size: 14px;">Equipa Raize</span><br><br><br><span style=3D"color: #000000;=
">---</span><br><span style=3D"color: #000000; font-size: 11px;">Financiame=
nto sujeito 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 autoriza=
da e supervisionada pela CMVM. A Raize - Institui=C3=A7=C3=A3o de Pagamento=
s, S.A., Sociedade Aberta, =C3=A9 uma institui=C3=A7=C3=A3o de pagamentos a=
utorizada e supervisionada pelo Banco de Portugal.</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" wid=
th=3D"100%" align=3D"center" class=3D"r3-o" style=3D"table-layout: fixed; w=
idth: 100%;"><tr><td class=3D"r20-i" style=3D"background-color: #ffffff; pa=
dding-left: 20px; padding-right: 20px; padding-top: 20px;"> <table width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentatio=
n"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weigh=
t: 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"b=
ackground-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"r21-i nl2go-default-textstyle" style=3D"word-break: break-word; b=
ackground-color: #ffcc00; border-radius: 4px; color: #ffffff; font-family: =
arial,helvetica,sans-serif; font-size: 16px; font-style: normal; line-heigh=
t: 1.15; padding-bottom: 17px; padding-left: 5px; padding-right: 5px; paddi=
ng-top: 17px; text-align: center;"> <a href=3D"http://r.marketing.raize.pt/=
mk/cl/f/sh/WCPzyXJTZ7fg2WiOmpB3YHxUPF4N76fq/vaB5CL97LJ5i" class=3D"r22-r de=
fault-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-adjus=
t: none; color: #ffffff; font-family: arial,helvetica,sans-serif; font-size=
: 16px;" sib_link_id=3D"6" 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-respo=
nsive-hide"><td height=3D"20" style=3D"font-size: 20px; line-height: 20px;"=
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=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" class=3D"r11-o=
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=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" cellpadding=3D"0" borde=
r=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"r23-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"r24-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/WCPzyXJTZ7nT6Yvf8uejK27HY1xUMoHy/PBq_AGd-IxFB" target=3D"_blank" st=
yle=3D"color: #fc0; font-style: normal; font-weight: bold; text-decoration:=
underline;" sib_link_id=3D"7" templating=3D"n"> <img src=3D"https://img.ma=
rketing.raize.pt/im/sh/BhOh4Nf5hzov.png?u=3D92pJLo34vnrQtqmvw9ixo3wrSTGiSP2=
zfYw" width=3D"279" title=3D"C=C3=B3digo Boa Conduta" border=3D"0" style=3D=
"display: block; width: 100%; border-radius: -1px;" sib_img_id=3D"3"></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"r19-c" align=3D"left"> <table cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r2=
5-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"left" val=
ign=3D"top" class=3D"r26-i nl2go-default-textstyle" style=3D"color: #000; f=
ont-family: arial,helvetica,sans-serif; font-size: 14px; 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;">Raize reconhecida pelo cumprimento do C=C3=B3digo Euro=
peu de Boa Conduta</span></h2></div> </td> </tr><tr class=3D"nl2go-responsi=
ve-hide"><td height=3D"5" style=3D"font-size: 5px; line-height: 5px;">=C2=
=AD</td> </tr></table></td> </tr><tr><td class=3D"r19-c" align=3D"left"> <t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
width=3D"100%" class=3D"r27-o" style=3D"table-layout: fixed; width: 100%;"=
><tr><td align=3D"left" valign=3D"top" class=3D"r28-i nl2go-default-textsty=
le" style=3D"color: #000; font-family: arial,helvetica,sans-serif; font-siz=
e: 14px; 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: 12px;">=E2=80=9CEsta conquista refor=C3=
=A7a o nosso <strong>compromisso cont=C3=ADnuo com o financiamento =C3=A9ti=
co</strong>, assegurando a conformidade com as regras e <strong>boas pr=C3=
=A1ticas do setor financeiro</strong>. Continuaremos a trabalhar com dedica=
=C3=A7=C3=A3o e a liderar pelo exemplo.=E2=80=9D=C2=A0</span><span style=3D=
"color: #3c4858; font-size: 12px;">=C2=A0</span></p></div> </td> </tr><tr c=
lass=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 class=3D"r1=
9-c" align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0=
" role=3D"presentation" width=3D"160" class=3D"r29-o" style=3D"table-layout=
: fixed; width: 160px;"><tr><td height=3D"18" align=3D"center" valign=3D"to=
p" class=3D"r30-i nl2go-default-textstyle" style=3D"color: #000; font-famil=
y: arial,helvetica,sans-serif; font-size: 14px; line-height: 1.2; word-brea=
k: break-word;"> <!--[if mso]> <v:roundrect xmlns:v=3D"urn:schemas-microso=
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//r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7vGAb8vV08P5mH4goqbcVu6/jilUBo-2=
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orlock> <v:textbox inset=3D"0,0,0,0"> <div style=3D"display:none;"> <center=
class=3D"default-button"><span><span style=3D"color:#000000;"><strong>Sabe=
r mais</strong></span></span></center> </div> </v:textbox> </v:roundrect> <=
![endif]--> <!--[if !mso]><!-- --> <a href=3D"http://r.marketing.raize.pt/=
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=3D"2" style=3D"font-style: normal; font-weight: normal; line-height: 1.15;=
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rap: break-word; display: block; -webkit-text-size-adjust: none; background=
-color: #ffcc00; border-color: #666666; border-radius: 8px; border-width: 0=
px; color: #ffffff; font-family: arial,helvetica,sans-serif; font-size: 16p=
x; height: 18px; mso-hide: all; padding-bottom: 12px; padding-left: 0px; pa=
dding-right: 0px; padding-top: 12px; width: 160px;" sib_link_id=3D"8" templ=
ating=3D"n"> <span><span style=3D"color: #000000;"><strong>Saber mais</stro=
ng></span></span></a> <!--<![endif]--> </td> </tr></table></td> </tr></tabl=
e></td> </tr></table></th> </tr></table></td> </tr></table><table cellspaci=
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" 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-bott=
om: 20px; padding-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"50%" vali=
gn=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacin=
g=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"r23-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"r2-c" align=3D"center"> <table cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"279"=
class=3D"r32-o" style=3D"border-bottom-color: #ffcc00; border-bottom-width=
: 1px; border-collapse: separate; border-left-color: #ffcc00; border-left-w=
idth: 1px; border-radius: -1px; border-right-color: #ffcc00; border-right-w=
idth: 1px; border-style: solid; border-top-color: #ffcc00; border-top-width=
: 1px; margin-bottom: 0px; margin-top: 0px; table-layout: fixed; width: 279=
px;"><tr><td class=3D"r33-i" style=3D"border-radius: -2px; font-size: 0px; =
line-height: 0px;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzy=
XJTZ833EdMBr5c4rWQrpbjisDWE/e83LXj_ygzLy" target=3D"_blank" style=3D"color:=
#fc0; font-style: normal; font-weight: bold; text-decoration: underline;" =
sib_link_id=3D"9" templating=3D"n"> <img src=3D"https://img.marketing.raize=
.pt/im/sh/XY4R-Tbm7yP_.png?u=3D92pJLo34vnrQtizrtwSbiaH5iJTZfVvjxwo" width=
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: block; width: 100%; border-radius: -2px;" sib_img_id=3D"2"></a> </td> </t=
r></table></td> </tr></table></td> </tr></table></th> <th width=3D"50%" val=
ign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspaci=
ng=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: 8px; padding-right: 8px;"> <=
table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation"><tr><td class=3D"r19-c" align=3D"left"> <table cellspacin=
g=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%"=
class=3D"r25-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: #000; font-family: arial,helvetica,sans-serif; font-size: 14px; word-=
break: break-word; line-height: 1; text-align: left;"> <div><h2 class=3D"de=
fault-heading2" style=3D"margin: 0; color: #1f2d3d; font-family: arial,helv=
etica,sans-serif; font-size: 32px; word-break: break-word;"><span style=3D"=
color: #ffcc00; font-size: 28px;">Podcast Capital de Sucesso com Camilo Lou=
ren=C3=A7o</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"r19-c" align=3D"left"> <table cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"=
100%" class=3D"r27-o" style=3D"table-layout: fixed; width: 100%;"><tr><td a=
lign=3D"left" valign=3D"top" class=3D"r28-i nl2go-default-textstyle" style=
=3D"color: #000; font-family: arial,helvetica,sans-serif; font-size: 14px; =
line-height: 1.2; word-break: break-word; text-align: left;"> <div><p style=
=3D"margin: 0;"><span style=3D"color: #3c4858; font-size: 12px;">A Raize em=
parceria com a Flexdeal, apoia o novo podcast Capital de Sucesso, com prod=
u=C3=A7=C3=A3o e modera=C3=A7=C3=A3o do jornalista econ=C3=B3mico Camilo Lo=
uren=C3=A7o, sobre Financiamento e Investimento Alternativo. <strong>Acompa=
nhe o podcast semanalmente nas plataformas habituais</strong>!</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></table></td> </t=
r><tr><td class=3D"r19-c" align=3D"left"> <table cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation" width=3D"160" class=3D"r29-o" =
style=3D"table-layout: fixed; width: 160px;"><tr><td height=3D"18" align=3D=
"center" valign=3D"top" class=3D"r30-i nl2go-default-textstyle" style=3D"co=
lor: #000; font-family: arial,helvetica,sans-serif; font-size: 14px; line-h=
eight: 1.2; word-break: break-word;"> <!--[if mso]> <v:roundrect xmlns:v=
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skFreY0yNYfs71wQ/6CLcZy51oqaR" style=3D"v-text-anchor:middle; height: 41px;=
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0" strokeweight=3D"1px" data-btn=3D"3" sib_link_id=3D"10" 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"colo=
r:#000000;"><strong>Saber mais</strong></span></span></center> </div> </v:t=
extbox> </v:roundrect> <![endif]--> <!--[if !mso]><!-- --> <a href=3D"http=
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ize-adjust: none; background-color: #ffcc00; border-color: #666666; border-=
radius: 8px; border-width: 0px; color: #ffffff; font-family: arial,helvetic=
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12px; padding-left: 0px; padding-right: 0px; padding-top: 12px; width: 160=
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