The recent survey by Sebrae, in partnership with the Ministry of Development and Social Assistance, Family and Combating Hunger, revealed impressive data: and they formalized themselves as individual microentrepreneurs (MEI). In total, there are now 4.6 million formal employees from this group, and the study highlights that Sebrae’s technical support significantly increases the chances of keeping the business active.
This movement is an important milestone for social entrepreneurship in Brazil, showing that formalization is a gateway to economic inclusion and income generation. However, transforming a MEI into a sustainable and profitable business goes far beyond formalization. It is necessary to face structuring challenges, especially in financial management, which is the beating heart of any company.
Structuring: the foundation for growth
Many new entrepreneurs enter the market with desire and courage, but without the necessary preparation to manage a business. Structuring involves everything from initial planning, clear definition of the business model, to the organization of internal processes, such as stock control, customer service and, mainly, financial management.
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Without a solid foundation, the risk of failure increases, and many businesses end up closing in the first few years. Therefore, the role of Sebrae and other support institutions is fundamental in training these entrepreneurs, offering practical knowledge and tools that facilitate day-to-day management.
Financial management: the challenge that can define the future
Among the main challenges faced by MEIs and small business owners is cash management. Controlling inflows and outflows, planning payments, dealing with seasonality and unforeseen events are tasks that require discipline and knowledge.
Furthermore, the challenge of experiencing high interest rates makes access to credit difficult and limits the growth and investment capacity of these businesses. In an economic scenario marked by high interest rates and inflation, efficiency in financial management becomes even more crucial.
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The role of training and technology
The Sebrae study shows that entrepreneurs who receive technical support have a greater chance of success. Training in finance, marketing, sales and the use of digital technologies can transform the reality of these businesses.
Simple financial management tools, cash control applications and digital sales platforms are powerful allies for the modern MEI. Digitization not only facilitates control, but also expands the reach of the business, connecting it to new customers and markets.
If you are a micro-entrepreneur or are thinking about formalizing your business, consider:
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- Do you have clear control of your cash flow?
- Are you prepared to deal with market ups and downs?
- Are you looking for training and support to grow sustainably?
Answering these questions could be the first step towards turning your dream into a solid and lasting business.
The challenge of progress
The jump of 2.5 million Brazilians from CadÚnico to MEI is news that inspires and shows the potential of entrepreneurship.
But success depends on more than will: it requires training, understanding technology and, above all, efficient financial management. Therefore, counting now on partner banks and consultancies that provide support and solutions are strategies that are more than necessary, but fundamental.
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After all, transforming a dream into a sustainable business is a daily challenge that requires courage, constant learning and the ability to reinvent yourself every day.
