Financiamento para pequenas construtoras

por Koper | set 25, 2018 | Gestão de obras, Gestão financeira | 121 Comentários

O Financiamento para construção civil é uma ferramenta essencial hoje em dia. Antes de mais nada para manter-se saudável, uma empresa não pode parar de produzir os produtos ofertados. Com uma construtora, essa ótica não é diferente. O coração de qualquer construtora é a produção constante de novas unidades negociáveis, que trarão maior volume de caixa e recursos para a organização continuar investindo.

Sobretudo nem sempre o capital disponível permite a execução imediata de novos empreendimentos. Nesses casos, busca-se financiamentos em bancos e credores para construir. Por vezes, também, a empresa busca subsídios logo no início de sua atuação, pelos altos custos envolvidos na obra.

Dessa maneira, nesta postagem, buscaremos orientar o leitor sobre qual tipo de financiamento buscar, quais credores atuam no segmento e qual o melhor momento para financiar uma obra. Vamos lá?

O que faz um financiamento ser diferente de um empréstimo?

Primeiramente, devemos separar de maneira clara as duas coisas, a fim de deixar evidente como funciona um financiamento.

Em um financiamento, o interessado busca um credor, ou seja, uma instituição financeira, que libera o capital necessário para a compra de itens, produtos ou serviços especificados em contrato. Isso é, o banco saberá exatamente o que será investido antes de liberar o dinheiro.

Aqui, há médias de juros menores, que variam de acordo com a instituição financeira. Em um empréstimo, o banco libera o capital para uso livre do financiado. Todavia, as taxas de juros são muito mais elevadas.

Quando devo buscar um financiamento?

Afirmar um momento exato para buscar uma forma de financiamento na execução de obras é uma tarefa complicada, pois depende de inúmeros fatores e das peculiaridades de cada empresa, de cada gestor, etc.

Para viabilizar novos projetos no setor, surge a necessidade de ter caixa suficiente para que a obra flua corretamente e sem problemas relacionados ao financeiro. Por conta do valor alto que é preciso para construir, às vezes a solução pode ser financiar.

Geralmente financia-se quando os fundos de capital da construtora não são suficientes para execução de uma nova obra. Como os valores demandados são, muitas vezes, altos demais para uma corporação que busca dar os primeiros passos, empresas que estão começando tendem a dar o pontapé inicial a partir de um financiamento bancário.

Em determinadas situações, o investimento inicial pode sustentar as primeiras etapas da obra, mas não haverá verba para as seguintes. Nessas ocasiões, podem ser solicitados financiamentos específicos para:

Materiais de construção;
Infraestrutura;
Maquinário pesado;
Aluguel de mão de obra;
Compra de terreno.

Através de uma análise precisa, busque saber se é mais interessante para sua empresa buscar um financiamento total da obra ou apenas partes dela.

Quais passos devo seguir?

Antes de tudo é primordial ter em mãos o projeto integral da obra realizado por um engenheiro. Nele, devem ser descritas todas as etapas da obra, os materiais utilizados e qual será o custo de cada etapa (estruturação, iluminação, acabamento, etc.).

Uma vez que o projeto esteja finalizado, envie a documentação inteira ao banco. Então, basta esperar a avaliação financeira que atestará positivamente (ou negativamente) à liberação do financiamento. Caso tudo esteja certo, o banco liberará, enfim, o início das obras. No entanto, atente-se para um detalhe: o dinheiro não será recebido imediatamente.

Em primeira instância, você deverá investir seus próprios recursos seguindo as etapas estipuladas pelo planejamento do engenheiro. Apenas após a validação é que o banco irá reembolsar o valor firmado em contrato. Depois, poderá realizar a segunda etapa e assim sucessivamente.

Onde solicito um financiamento?

A grande maioria dos bancos oferece possibilidades de financiamento, cada um com suas particularidades. Aqui, no entanto, trataremos da Caixa Econômica Federal.

A modalidade de financiamento para a Construção Civil da Caixa é nomeada pelo banco como “Plano Empresa da Construção Civil”. É comumente chamada como PEC ou ainda como Plano Empresário. Trata-se de um tipo de financiamento simplificado, destinado a construtoras que tenham interesse em produzir empreendimentos imobiliários. Segundo as regras do programa, o banco assegura que o período máximo do processo dura em até seis meses.

Adicionalmente, o plano também permite que o contrato seja feito modularmente, o que, de acordo com o banco, oferece velocidade à contratação e à produção. Como consequência, também antecipa as vendas.

Clicando aqui, você pode fazer uma simulação de financiamento de acordo com seus termos.

Cuidados especiais

Seja qual for a instituição credora, ou a modalidade de financiamento assinada, é preciso tomar uma série de cuidados para que não se torne um problema.

O primeiro ponto que devemos pensar diz respeito aos juros cobrados em contrato, embutidos na forma de pagamento.

Foi dito que diferentes bancos possuem diferentes taxas de juros para suas modalidades. No entanto, é bom ficar atento a outra questão: as condições de pagamento propostas. Muitas vezes, conciliar as duas coisas (juros e condições de pagamento) é o que trará maior clareza antes de fechar o contrato.

Imagine, por exemplo, que seja o primeiro pagamento seja estipulado para antes mesmo de você sequer começar a construção, ou antes de receber pagamentos pelas unidades negociadas.

O contrário aqui também se faz possível: é bom ficar atento quanto a condições de pagamento “boas demais para ser verdade”. Muitas vezes, pode ser que por trás delas se escondam juros elevados ou agressivos.

Mais um ponto importante é ficar atento à natureza (ou foco) do financiamento. Isso é, para que servirá o crédito obtido. Buscando um plano específico para a Construção Civil, a tendência é que os processos se encurtem e o tempo de finalização, por consequência, diminua.

Por fim, preste atenção também aos documentos necessários:

Atestado de situação cadastral;
Alvarás;
Projetos arquitetônicos;
Confirmação de mobilidade financeira;
Registros de empreendimentos.

Caso tenha interesse em saber mais sobre gestão de pequenas construtoras, baixe já nosso e-Book sobre o tema! Nele, você encontrará mais dicas de ação e reflexão sobre sua empresa. Basta clicar aqui e preencher seus dados.

E aí, gostou do conteúdo? Tem alguma experiência com financiamento de obras que gostaria de compartilhar?
Não deixe também de acompanha nosso blog e ter acesso a muitos conteúdos gratuitos que vão te auxiliar na gestão da sua empresa.

Inscreva-se para receber notícias e novidades da Koper

121 Comentários

Thiago no 17/01/2019 a partir do 22:50

Olá,

Mesmo eu financiando totalmente a obra, eu tenho que começar a obra com recursos próprios e ai sim o banco me liberar o restante ?
Koper no 21/01/2019 a partir do 10:26

Oi Thiago, sua pergunta é uma dúvida frequente, vamos tentar esclarecer isso juntos. A Caixa Econômica Federal oferece diversas linhas de financiamento para habitação, sendo uma dessas linhas o financiamento da construção de uma casa para uma pessoa que já tem o terreno e precisa apenas do dinheiro para fazer a execução da obra.

O financiamento mais comum é para compra da casa ou apartamento que pode ser novo usado, mas para as pessoas que já tem um terreno e que precisam apenas fazer a construção, existe também um financiamento para esta modalidade, ou seja, uma vez que você já tem o terreno só precisará financiar o valor da construção.

Acredito que seu caso se enquadra no segundo exemplo e, neste sentido, é importante considerar que você precisará ter um pouco de recurso próprio para começar a construção pois a Caixa irá fazer o pagamento de cada etapa concluída e não fará o adiantamento para você realizar a construção dela. Portanto é preciso pensar nisso, pois além de ter o terreno devidamente regularizado é preciso ter um pouco de dinheiro para administrar a construção da obra.
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