Due to the significant influence and participation of SMEs in our economy, this thesis aimed to analyze the different credit modalities and financial institutions to assist companies in choosing credit products. The research methodology was exploratory in nature, obtaining data from the Central Bank of Brazil on the average interest rates practiced by 121 financial institutions over three different periods in the last six months leading up to this work. The analysis of these data revealed the financial institutions that offer the lowest interest rates within the modalities disclosed by the Central Bank, the credit products most offered by financial institutions, the preference for fixed interest rates, and among the major banks that offer all modalities, BANCO SAFRA S.A. emerged as a potentially better option.