Financiamento e Programas
Programas de subsídios, formação e mentoria para empreendedores moçambicanos.
Importante
O Biscate não é parceiro destas instituições e não gere candidaturas. Candidate-se sempre directamente na página oficial de cada programa. Nunca pague a ninguém para "garantir" um financiamento.
BCI Small Business Credit Line
Banco Comercial e de Investimentos (BCI)
Commercial credit line for small and micro businesses in Mozambique, part of a broader $74M fund initiative supporting small business financing across sectors.
Quem pode candidatar-se
Registered small businesses and micro-entrepreneurs with basic financial documentation.
FECOP Youth Scholarship Fund
Government of Portugal / FECOP
Scholarship subsidy program for young Mozambicans, offering funding of up to 450,000 MZN to support vocational and technical training costs.
Quem pode candidatar-se
Young Mozambicans (typically 18-35) enrolling in vocational or technical training programs.
hiveonline VSLA Digital Integration
hiveonline
Digitizes Village Savings and Loan Associations (VSLAs) using blockchain-based tracking, currently covering 89 VSLAs in rural Mozambique, creating credit history for previously unbanked savings group members.
Quem pode candidatar-se
Rural savings groups (VSLAs) and their individual members seeking digitized credit history.
FSD Mozambique Financial Inclusion Facility
FSD Mozambique
Financial Services Deepening program supporting initiatives that expand financial inclusion for unbanked and underbanked populations, including partnership with Banco de Moçambique on the regulatory sandbox.
Quem pode candidatar-se
Organizations and platforms building financial inclusion products for underserved Mozambican populations.
Adanian Labs Venture Building Program
Adanian Labs
Pan-African venture builder and incubator providing mentorship, technical support, and ecosystem connections for early-stage tech startups, with active operations across East and Southern Africa.
Quem pode candidatar-se
Early-stage tech startups, including fintech and livelihood platforms, seeking incubation and mentorship support.
Banco de Moçambique Regulatory Sandbox (7th Edition)
Banco de Moçambique
A controlled testing environment allowing fintech and blockchain-based platforms to pilot escrow, stablecoin payments, and DeFi lending products under direct regulatory oversight before full VASP registration.
Quem pode candidatar-se
Fintech startups, payment platforms, and blockchain-based service providers operating or planning to operate in Mozambique.
Orange Corners Innovation Fund (OCIF)
Orange Corners
Innovation fund helping young innovators turn ideas into job-creating businesses.
Até $8,000
Quem pode candidatar-se
Entrepreneurs 18–35 with an early-stage innovation-driven idea.
Prazo: 2026-11-30 (confirme no site oficial)
Emprega — Agora Emprega Competition
World Bank
National business competition offering training and grant funding for high-growth enterprises.
Até $23,400
Quem pode candidatar-se
Mozambican entrepreneurs with a viable business plan; priority for youth and women-led ventures.
Prazo: 2026-10-31 (confirme no site oficial)
iDE Last-Mile Market Network
iDE Mozambique
Embeds micro-entrepreneurs into resilient rural market supply chains.
Quem pode candidatar-se
Rural micro-entrepreneurs in agriculture and last-mile distribution.
Conecta Negócios
NGO Consortium
Targeted business training (accounting, market analysis) designed to lift women and youth into viable micro-enterprises.
Até $1,500
Quem pode candidatar-se
Women and youth aged 18–35 starting a micro-enterprise.
Prazo: 2026-09-15 (confirme no site oficial)
PRONAI Decentralized Processing
Government of Mozambique
Supports localized, modular processing units so communities process raw materials on-site.
Quem pode candidatar-se
Community groups and SMEs in agribusiness processing.
Digital Acceleration Project
World Bank
Broadband delivery to 300 remote localities to enable digital and decentralized work.
Quem pode candidatar-se
Localities and service providers; supports workers needing connectivity for remote jobs.