{"id":99932,"date":"2016-08-24T00:00:00","date_gmt":"2016-08-24T04:00:00","guid":{"rendered":"https:\/\/latin-business-new.flywheelsites.com\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/"},"modified":"2025-12-06T10:56:56","modified_gmt":"2025-12-06T14:56:56","slug":"opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda","status":"publish","type":"post","link":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/","title":{"rendered":"Opciones de Financiamiento de Peque\u00f1as Empresas – Acciones o Deuda"},"content":{"rendered":"

\u00c1ngeles, inversionistas de riesgo, pr\u00e9stamos de bancos y prestamistas alternativos<\/em><\/p>\n

Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios piensan, no son la \u00fanica forma de financiar su empresa emergente.<\/p>\n

Aqu\u00ed le ofrecemos un resumen de sus opciones.<\/p>\n\n\n\n\n\n\n\n\n\n
Tipos de Financiamiento<\/strong><\/td>\n<\/tr>\n
ACCIONES<\/strong><\/td>\n\n

DEUDA<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Significa propiedad e incluye:<\/strong><\/p>\n<\/td>\n

No significa propiedad; es un dinero prestado que debe ser devuelto, e incluye:<\/strong><\/td>\n<\/tr>\n
\n

Ahorros personales<\/p>\n<\/td>\n

Pr\u00e9stamos de bancos y cooperativas de cr\u00e9dito (generalmente garantizados por la SBA)<\/td>\n<\/tr>\n
Inversiones de familiares y amigos<\/td>\n\n

Micro-cr\u00e9ditos de Community Express<\/p>\n<\/td>\n<\/tr>\n

Contribuciones de los socios<\/td>\n\n

Tarjetas de cr\u00e9dito (no recomendadas)<\/p>\n<\/td>\n<\/tr>\n

Ganancias retenidas en el negocio<\/td>\n\n

\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

SEIS FORMAS TRADICIONALES DE FINANCIAMIENTO<\/strong><\/p>\n

    \n
  1. Socios:<\/strong><\/li>\n<\/ol>\n

    Si usted no cuenta con el capital adecuado, considere conseguirse un socio comercial que pueda poner dinero en su inicio.<\/p>\n

      \n
    1. Amigos y familiares:<\/strong><\/li>\n<\/ol>\n

      Esto puede ser en forma de deuda (un pr\u00e9stamo) o de acciones (lo que otorga al amigo o familiar propiedad en el negocio a cambio de su inversi\u00f3n).<\/p>\n

        \n
      1. Pr\u00e9stamos:<\/strong><\/li>\n<\/ol>\n

        Estos podr\u00edan ser de bancos o cooperativas de cr\u00e9dito y podr\u00edan incluir pr\u00e9stamos con garant\u00eda hipotecaria.<\/p>\n

          \n
        1. Tarjetas de cr\u00e9dito:<\/strong><\/li>\n<\/ol>\n

          Si paga el saldo completo cada mes, las tarjetas de cr\u00e9dito pueden funcionar, pero si no lo hace, este m\u00e9todo de financiamiento puede resultar muy costoso muy r\u00e1pidamente.<\/p>\n

            \n
          1. Venta de capital social:<\/strong><\/li>\n<\/ol>\n

            Dependiendo de la constituci\u00f3n legal de su negocio, usted puede obtener capital mediante la venta de acciones. Tenga en cuenta que esto significa renunciar a algo de propiedad.<\/p>\n

              \n
            1. Subvenciones:<\/strong><\/li>\n<\/ol>\n

              Para la mayor\u00eda de las empresas con fines de lucro, las subvenciones no est\u00e1n disponibles. Sin embargo, si usted est\u00e1 iniciando una organizaci\u00f3n sin fines de lucro, las subvenciones pueden ser una opci\u00f3n. (Estas no est\u00e1n disponibles de manera inmediata)<\/p>\n

              CONSEJO:<\/strong> Como regla general, los bancos desean ver un \u00abflujo de efectivo libre\u00bb anual igual a 1,25 veces los requisitos anuales del servicio de la deuda. (El servicio de la deuda significa el capital m\u00e1s los pagos de intereses).<\/p>\n

              OTRAS SEIS FORMAS DE FINANCIAMIENTO<\/strong><\/p>\n

                \n
              1. Pr\u00e9stamos garantizados por la SBA:<\/strong><\/li>\n<\/ol>\n

                Estos pr\u00e9stamos son otorgados por los bancos, pero la Administraci\u00f3n de Peque\u00f1as Empresas garantiza un porcentaje del pr\u00e9stamo, lo que hace que los bancos est\u00e9n m\u00e1s dispuestos a asumir un riesgo en su negocio.<\/p>\n

                  \n
                1. Departamento de desarrollo comunitario y econ\u00f3mico:<\/strong><\/li>\n<\/ol>\n

                  \u00a0<\/strong>Los programas de desarrollo econ\u00f3mico local pueden ofrecer asistencia financiera.<\/p>\n

                    \n
                  1. Servicio de departamento de agricultura y desarrollo rural:<\/strong><\/li>\n<\/ol>\n

                    Si usted se encuentra en un \u00e1rea rural o est\u00e1 iniciando un negocio relacionado con la agricultura, es posible que haya programas de pr\u00e9stamos especiales disponibles para ayudarlo. La SBA tambi\u00e9n tiene pr\u00e9stamos dirigidos a empresarios rurales.<\/p>\n

                      \n
                    1. \u00c1ngeles inversionistas:<\/strong><\/li>\n<\/ol>\n

                      Los \u00e1ngeles son inversionistas individuales, a menudo ex empresarios, que invierten en compa\u00f1\u00edas prometedoras. Pueden formar grupos de \u00e1ngeles e invertir juntos.<\/p>\n

                        \n
                      1. Los inversionistas de riesgo:<\/strong><\/li>\n<\/ol>\n

                        Las compa\u00f1\u00edas de capital de riesgo invierten en compa\u00f1\u00edas que tienen potencial para un alto crecimiento y un r\u00e1pido retorno de la inversi\u00f3n. A menudo se enfocan en compa\u00f1\u00edas de tecnolog\u00eda y buscan grandes oportunidades de inversi\u00f3n con m\u00faltiples rondas de financiamiento.<\/p>\n

                          \n
                        1. Pr\u00e9stamos entre iguales:<\/strong><\/li>\n<\/ol>\n

                          En sitios como Prosper.com (www.prosper.com) o Lending Club (www.lendingclub.com), las personas pueden conectarse para solicitar y prestarse dinero entre s\u00ed.<\/p>\n

                          FINANCIAMIENTO A PARTIR DEL BALANCE FINANCIERO<\/strong><\/p>\n

                          \u00a0<\/strong>A veces, usted puede obtener financiamiento seg\u00fan el valor de los activos en su negocio o el valor de los art\u00edculos que est\u00e1 utilizando para comprar. \u00c9stos incluyen:<\/p>\n

                            \n
                          1. Financiamiento de cuentas por cobrar:<\/strong><\/li>\n<\/ol>\n

                            Tambi\u00e9n llamado factorizaci\u00f3n, \u00e9ste es un medio para obtener financiamiento basado en el valor de sus cuentas por cobrar.<\/p>\n

                              \n
                            1. L\u00ednea de cr\u00e9dito bancaria:<\/strong><\/li>\n<\/ol>\n

                              Esta es una cantidad de cr\u00e9dito preestablecida que puede utilizar seg\u00fan sea necesario. Una l\u00ednea de cr\u00e9dito puede ofrecer m\u00e1s flexibilidad que un pr\u00e9stamo y es m\u00e1s f\u00e1cil de obtener. Por lo general, se basa en el 75 por ciento de sus cuentas por cobrar actuales o el 50 por ciento del valor de su inventario.<\/p>\n

                                \n
                              1. Arrendamiento de equipos:<\/strong><\/li>\n<\/ol>\n

                                En lugar de comprar equipos para el negocio, considere arrendarlos para ahorrar dinero. Muchas empresas de arrendamiento ofrecen financiaci\u00f3n.<\/p>\n

                                  \n
                                1. Hipotecas mobiliarias:<\/strong><\/li>\n<\/ol>\n

                                  En una hipoteca mobiliaria, usted obtiene un pr\u00e9stamo para comprar un art\u00edculo y utiliza el mismo como garant\u00eda del pr\u00e9stamo.<\/p>\n

                                    \n
                                  1. Pr\u00e9stamos de mejora de planta:<\/strong><\/li>\n<\/ol>\n

                                    Usted puede obtener un pr\u00e9stamo para mejorar su edificio o instalaci\u00f3n al poner la propiedad como garant\u00eda. Por lo general, el pr\u00e9stamo se limitar\u00e1 de 75 a 80 por ciento del valor de mercado de la propiedad.<\/p>\n

                                      \n
                                    1. Contrato de venta condicional:<\/strong><\/li>\n<\/ol>\n

                                      Esto le permite financiar la compra de un art\u00edculo; el vendedor a\u00fan es propietario del art\u00edculo hasta que usted haya pagado el monto total.<\/p>\n

                                      \u00a0<\/strong>CONSEJO: No importa cu\u00e1n impresionante se vea su negocio en papel, su reuni\u00f3n cara a cara con un prestamista o inversionista puede hacer o deshacer el trato. \u00a1Prep\u00e1rese para impresionar! Conozca su FODA financiera (Fortalezas, Oportunidades, Debilidades y Amenazas). Conc\u00e9ntrese en sus fortalezas en su \u00abargumento de ventas\u00bb y su presentaci\u00f3n.<\/em><\/p>\n

                                      Este art\u00edculo de la serie en curso, preparada por Marjorie Weber tambi\u00e9n formar\u00e1 parte de la Fundaci\u00f3n Miami Bayside para calificar a los propietarios de peque\u00f1as empresas para el programa de pr\u00e9stamos de la Fundaci\u00f3n Miami Bayside.<\/p>\n

                                      Handbook series\u00a0Small Business Start Up\u00a0<\/strong><\/span><\/p>\n

                                      Part 1:\u00a0Small Business Start Ups Making It Legal<\/a>;\u00a0Part 2:\u00a0Small Business Start Up Capital Access Primer and Key Steps\u00a0<\/a>;\u00a0Part 3:\u00a0Definitive Steps to Create the Optimal Small Business Growth Team\u00a0<\/a>Part 4:\u00a0Once You Have the Dream Team, It’s About Employee Retention<\/a>, Part 5:\u00a0Delegating Responsibilities Policies and Procedures – Letting Go<\/a>\u00a0Part 6:\u00a0Breaking Down the Set Up of Small Business Financial Records\u00a0<\/a>\u00a0\u00a0Part 7:\u00a0Three Best Bet Picks for Small Business Accounting Software \u00a0<\/a>Part\u00a0 8:\u00a0To Lease or To Buy? Issues Relating To Both In Today’s Market part 1<\/a>\u00a0Part 9\u00a0Decided on a Business Lease? 20 Lease Provisions<\/a>\u00a0Part 10 \u00a0What Small Business Contracts Are Required and Who Reviews?<\/a>\u00a0Part 11\u00a0What are the most serious small business risk and coverage issues?<\/a>\u00a0Part 12:\u00a0Keeping Sightlines on Specific Small Business Target Markets<\/a>\u00a0Part 13: Small Business Targeting and Related Branding Components<\/a>\u00a0Part 14:\u00a0Keys to Developing an Essential Small Business Marketing Plan<\/a>\u00a0Part 15:\u00a0Small Business Social Media Blocking and Tackling 101<\/a> Part 16: Small Business Owner’s Primer- Understanding the Balance Sheet<\/a> Part 17: 5 Considerations to Properly Price Products and Services<\/a>\u00a0Part 18: How to Handle Inventory in Cash Flow Projections<\/a> Part 19: Primary Components for a Comprehensive Business Plan<\/a><\/p>\n

                                      Related articles:<\/strong><\/p>\n

                                      Equity Crowd Funding 101<\/a><\/p>\n

                                      Investment Diversification Should Include Diversity in Investments<\/a><\/p>\n

                                      Eli Mendoza on Equity and Financing<\/p>\n\n

                                      Small Business Capital, Digital Lenders and Angels<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

                                      \u00c1ngeles, inversionistas de riesgo, pr\u00e9stamos de bancos y prestamistas alternativos<\/p>\n","protected":false},"author":1910,"featured_media":99791,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1665,1666,1599],"tags":[1681],"class_list":["post-99932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dinero","category-financiacion","category-negocios","tag-startup-es"],"acf":[],"yoast_head":"\nOpciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda - Latin Business Hoy<\/title>\n<meta name=\"description\" content=\"Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios....\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda - Latin Business Hoy\" \/>\n<meta property=\"og:description\" content=\"Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios....\" \/>\n<meta property=\"og:url\" content=\"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/\" \/>\n<meta property=\"og:site_name\" content=\"Latin Business Hoy\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LatinBusinessToday\" \/>\n<meta property=\"article:published_time\" content=\"2016-08-24T04:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-06T14:56:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/03\/small_business_financing_1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marj Weber\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@latinbiztoday\" \/>\n<meta name=\"twitter:site\" content=\"@latinbiztoday\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marj Weber\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/\"},\"author\":{\"name\":\"Marj Weber\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#\\\/schema\\\/person\\\/f0a627d0e92a7614c1ae1c29cbfa8357\"},\"headline\":\"Opciones de Financiamiento de Peque\u00f1as Empresas – Acciones o Deuda\",\"datePublished\":\"2016-08-24T04:00:00+00:00\",\"dateModified\":\"2025-12-06T14:56:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/\"},\"wordCount\":1163,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/small_business_financing_1.jpg\",\"keywords\":[\"startup\"],\"articleSection\":[\"Dinero\",\"Financiaci\u00f3n\",\"Negocios\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/\",\"name\":\"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda - Latin Business Hoy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/small_business_financing_1.jpg\",\"datePublished\":\"2016-08-24T04:00:00+00:00\",\"dateModified\":\"2025-12-06T14:56:56+00:00\",\"description\":\"Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios....\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#primaryimage\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/small_business_financing_1.jpg\",\"contentUrl\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/small_business_financing_1.jpg\",\"width\":800,\"height\":480,\"caption\":\"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"P\u00e1gina Principal\",\"item\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Negocios\",\"item\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/categoria\\\/negocios\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Opciones de Financiamiento de Peque\u00f1as Empresas – Acciones o Deuda\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/\",\"name\":\"Latin Business Hoy\",\"description\":\"Red de Negocios Hispanos\",\"publisher\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#organization\",\"name\":\"Latin Business Hoy\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/LBT-main-logo-menu-300.png\",\"contentUrl\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/LBT-main-logo-menu-300.png\",\"width\":300,\"height\":160,\"caption\":\"Latin Business Hoy\"},\"image\":{\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/LatinBusinessToday\",\"https:\\\/\\\/x.com\\\/latinbiztoday\",\"https:\\\/\\\/instagram.com\\\/latinbusinesstoday\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/2364132\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/#\\\/schema\\\/person\\\/f0a627d0e92a7614c1ae1c29cbfa8357\",\"name\":\"Marj Weber\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/marj_weber_135.jpg\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/marj_weber_135.jpg\",\"contentUrl\":\"https:\\\/\\\/latinbusinesstoday.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/marj_weber_135.jpg\",\"caption\":\"Marj Weber\"},\"description\":\"Marjorie Weber is currently President of Primed 2 Grow Inc. providing small business owners with the resources and procedures required to access capital (both equity and debt). She commenced her career as a N.Y. real estate investment banker and over 20+ years has mentored hundreds of successful businesses. She leads financial literacy workshops (provided by the 501c3, Financial 4 Biz), and one-on-one mentoring. Between 20210 to 2014 she was chair of Miami Dade SCORE. From 2014 to 2017 Marj served as a financial advisor for SBDC\\\/FIU as well as served as an advisor to the Goldman Sachs 10,000 Small Business Program, the SBA Emerging Leaders Program, training for Veterans seeking an entrepreneurial path upon retirement from the service. She is a Latin Business Today advisory board member and is also working with The Beacon Council as a partner for their small business Xcelerator Program. Marj has facilitated workshops under the auspices of Miami Bayside Foundation, Little Haiti Cultural Center and several local banks. has facilitated workshops under the auspices of Miami Bayside Foundation, Little Haiti Cultural Center and several local banks. She commenced her career as a real estate investment banker in New York.\",\"url\":\"https:\\\/\\\/latinbusinesstoday.com\\\/es\\\/author\\\/marj-weber\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda - Latin Business Hoy","description":"Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios....","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/","og_locale":"es_ES","og_type":"article","og_title":"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda - Latin Business Hoy","og_description":"Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios....","og_url":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/","og_site_name":"Latin Business Hoy","article_publisher":"https:\/\/www.facebook.com\/LatinBusinessToday","article_published_time":"2016-08-24T04:00:00+00:00","article_modified_time":"2025-12-06T14:56:56+00:00","og_image":[{"width":800,"height":480,"url":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/03\/small_business_financing_1.jpg","type":"image\/jpeg"}],"author":"Marj Weber","twitter_card":"summary_large_image","twitter_creator":"@latinbiztoday","twitter_site":"@latinbiztoday","twitter_misc":{"Escrito por":"Marj Weber","Tiempo de lectura":"6 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#article","isPartOf":{"@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/"},"author":{"name":"Marj Weber","@id":"https:\/\/latinbusinesstoday.com\/es\/#\/schema\/person\/f0a627d0e92a7614c1ae1c29cbfa8357"},"headline":"Opciones de Financiamiento de Peque\u00f1as Empresas – Acciones o Deuda","datePublished":"2016-08-24T04:00:00+00:00","dateModified":"2025-12-06T14:56:56+00:00","mainEntityOfPage":{"@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/"},"wordCount":1163,"commentCount":0,"publisher":{"@id":"https:\/\/latinbusinesstoday.com\/es\/#organization"},"image":{"@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#primaryimage"},"thumbnailUrl":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/03\/small_business_financing_1.jpg","keywords":["startup"],"articleSection":["Dinero","Financiaci\u00f3n","Negocios"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/","url":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/","name":"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda - Latin Business Hoy","isPartOf":{"@id":"https:\/\/latinbusinesstoday.com\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#primaryimage"},"image":{"@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#primaryimage"},"thumbnailUrl":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/03\/small_business_financing_1.jpg","datePublished":"2016-08-24T04:00:00+00:00","dateModified":"2025-12-06T14:56:56+00:00","description":"Si bien los pr\u00e9stamos bancarios suelen ser la primera forma de financiamiento en la que la mayor\u00eda de los due\u00f1os de nuevos negocios....","breadcrumb":{"@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#primaryimage","url":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/03\/small_business_financing_1.jpg","contentUrl":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/03\/small_business_financing_1.jpg","width":800,"height":480,"caption":"Opciones de Financiamiento de Peque\u00f1as Empresas - Acciones o Deuda"},{"@type":"BreadcrumbList","@id":"https:\/\/latinbusinesstoday.com\/es\/opciones-de-financiamiento-de-pequenas-empresas-acciones-o-deuda\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u00e1gina Principal","item":"https:\/\/latinbusinesstoday.com\/es\/"},{"@type":"ListItem","position":2,"name":"Negocios","item":"https:\/\/latinbusinesstoday.com\/es\/categoria\/negocios\/"},{"@type":"ListItem","position":3,"name":"Opciones de Financiamiento de Peque\u00f1as Empresas – Acciones o Deuda"}]},{"@type":"WebSite","@id":"https:\/\/latinbusinesstoday.com\/es\/#website","url":"https:\/\/latinbusinesstoday.com\/es\/","name":"Latin Business Hoy","description":"Red de Negocios Hispanos","publisher":{"@id":"https:\/\/latinbusinesstoday.com\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/latinbusinesstoday.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/latinbusinesstoday.com\/es\/#organization","name":"Latin Business Hoy","url":"https:\/\/latinbusinesstoday.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/latinbusinesstoday.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/04\/LBT-main-logo-menu-300.png","contentUrl":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/04\/LBT-main-logo-menu-300.png","width":300,"height":160,"caption":"Latin Business Hoy"},"image":{"@id":"https:\/\/latinbusinesstoday.com\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/LatinBusinessToday","https:\/\/x.com\/latinbiztoday","https:\/\/instagram.com\/latinbusinesstoday","https:\/\/www.linkedin.com\/company\/2364132\/"]},{"@type":"Person","@id":"https:\/\/latinbusinesstoday.com\/es\/#\/schema\/person\/f0a627d0e92a7614c1ae1c29cbfa8357","name":"Marj Weber","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/04\/marj_weber_135.jpg","url":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/04\/marj_weber_135.jpg","contentUrl":"https:\/\/latinbusinesstoday.com\/wp-content\/uploads\/2022\/04\/marj_weber_135.jpg","caption":"Marj Weber"},"description":"Marjorie Weber is currently President of Primed 2 Grow Inc. providing small business owners with the resources and procedures required to access capital (both equity and debt). She commenced her career as a N.Y. real estate investment banker and over 20+ years has mentored hundreds of successful businesses. She leads financial literacy workshops (provided by the 501c3, Financial 4 Biz), and one-on-one mentoring. Between 20210 to 2014 she was chair of Miami Dade SCORE. From 2014 to 2017 Marj served as a financial advisor for SBDC\/FIU as well as served as an advisor to the Goldman Sachs 10,000 Small Business Program, the SBA Emerging Leaders Program, training for Veterans seeking an entrepreneurial path upon retirement from the service. She is a Latin Business Today advisory board member and is also working with The Beacon Council as a partner for their small business Xcelerator Program. Marj has facilitated workshops under the auspices of Miami Bayside Foundation, Little Haiti Cultural Center and several local banks. has facilitated workshops under the auspices of Miami Bayside Foundation, Little Haiti Cultural Center and several local banks. She commenced her career as a real estate investment banker in New York.","url":"https:\/\/latinbusinesstoday.com\/es\/author\/marj-weber\/"}]}},"_links":{"self":[{"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/posts\/99932","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/users\/1910"}],"replies":[{"embeddable":true,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/comments?post=99932"}],"version-history":[{"count":1,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/posts\/99932\/revisions"}],"predecessor-version":[{"id":111090,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/posts\/99932\/revisions\/111090"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/media\/99791"}],"wp:attachment":[{"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/media?parent=99932"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/categories?post=99932"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/latinbusinesstoday.com\/es\/wp-json\/wp\/v2\/tags?post=99932"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}