While banks see the risk of default and difficulty in recovering financed motorcycles, the Lula government is considering using a guarantee fund to unlock credit for delivery workers; the measure could reach up to 1.2 million workers linked to digital platforms.

Written by Caio Aviz

Published on 04/06/2026 at 02:44

Updated on 04/06/2026 at 02:45

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New line of credit being prepared by the Lula government may facilitate the purchase and replacement of used motorcycles by app delivery drivers, requires a minimum link with digital platforms, discusses the use of a guarantee fund to reduce risks to banks, evaluates the insurance charge on operations, and could benefit up to 1.2 million workers who depend daily on motorcycles to generate income across the country

The government of President Luiz Inácio Lula da Silva is preparing a new line of credit aimed at app delivery drivers who wish to buy or replace motorcycles. The measure, still in the final adjustment phase in June 2026, should offer facilitated conditions for motorcyclists who provide services to digital platforms, such as iFood.

Technicians following the discussions state that the worker will need to prove a link with a platform for at least six months to access the financing. In this way, the government seeks to direct credit to professionals who are already working in the delivery sector and depend on motorcycles as a work tool.

Credit for delivery drivers must require a link with platforms

The proposal arises after the Move Apps program, aimed at app drivers. Now, the Executive’s focus shifts to the delivery motorcyclist, who faces constant costs with maintenance, vehicle replacement, and renewal of the work tool.

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Guarantee fund may reduce financing interest rates

To reduce interest rates and compensate for the risk of default, the government is considering using resources from a guarantee fund. Among the alternatives analyzed is the Operations Guarantee Fund, known as FGO.

This mechanism could cover potential losses for banks and make credit more viable for workers with variable income. The charge of insurance is also under discussion within the proposal’s design.

The estimated potential audience by the technicians ranges between 700,000 and 1.2 million delivery workers across the country. Thus, the credit line can reach a significant portion of professionals working in app-based deliveries.

Electric motorcycles are also included in the government’s plan

The average value of a motorcycle considered in the discussions is R$ 17.8 thousand. This cost is well below the ceiling of R$ 150 thousand provided in Move Aplicativos, a program created to finance vehicles used by app drivers.

The resources can also be used to purchase electric motorcycles. These models cost, on average, between R$ 8 thousand and R$ 9 thousand, according to the values mentioned in internal discussions.

The proposal should not require the manufacturer to be national. Therefore, the financing may include different brands and models, as long as the final design of the credit line maintains this possibility.

Announcement still depends on final adjustments

The measure has not yet been officially launched. However, according to the information under discussion in the government, Lula is eager to announce the financing by June 2026.

The new credit line is part of a set of actions by the Executive in an election year. Although the program still depends on technical definitions, it already appears as one of the main bets to reach motorcyclists working with app-based deliveries.

With facilitated interest rates, possible use of FGO, direct discount on remuneration, and openness to electric motorcycles, can the credit change the way delivery workers finance their main work tool in the coming months?

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While banks see the risk of default and difficulty in recovering financed motorcycles, the Lula government is considering using a guarantee fund to unlock credit for delivery workers; the measure could reach up to 1.2 million workers linked to digital platforms.

Credit for delivery drivers must require a link with platforms

Guarantee fund may reduce financing interest rates

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While banks see the risk of default and difficulty in recovering financed motorcycles, the Lula government is considering using a guarantee fund to unlock credit for delivery workers; the measure could reach up to 1.2 million workers linked to digital platforms.

Credit for delivery drivers must require a link with platforms

Guarantee fund may reduce financing interest rates

The paycheck that seemed impossible: São José employee receives R$ 7.94 after legal strike, while deductions by the City Hall affect over a thousand employees and become a target of inquiry in the City Council.

Electric motorcycles are also included in the government’s plan

Announcement still depends on final adjustments

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