{"id":99957,"date":"2017-10-30T00:00:00","date_gmt":"2017-10-30T04:00:00","guid":{"rendered":"https:\/\/latin-business-new.flywheelsites.com\/preguntas-respuestas-de-finanzas-de-pequenos-negocios-por-un-prestamista-experto\/"},"modified":"2025-12-06T10:52:56","modified_gmt":"2025-12-06T14:52:56","slug":"preguntas-respuestas-de-finanzas-de-pequenos-negocios-por-un-prestamista-experto","status":"publish","type":"post","link":"https:\/\/latinbusinesstoday.com\/es\/preguntas-respuestas-de-finanzas-de-pequenos-negocios-por-un-prestamista-experto\/","title":{"rendered":"Preguntas & Respuestas de Finanzas de Peque\u00f1os Negocios por Un Prestamista Experto"},"content":{"rendered":"

Preguntas financieras de due\u00f1os de peque\u00f1os negocios, propuestas y respondidas por un defensor de los peque\u00f1os negocios.<\/h4>\n

<\/p>\n

Note del Editor: Esta es la primera parte en una serie de preguntas comunes recopiladas de due\u00f1os de peque\u00f1os negocios y sus respectivas respuestas hechas por un experto de finanzas.<\/em><\/p>\n

El crecimiento y la expansi\u00f3n de los \u00a0peque\u00f1os negocios \u00a0requiere capital<\/a>. Como accesar lo, requiere lo siguiente: esta es la primera de una serie de preguntas y respuestas comunes a esto,<\/p>\n

Pregunta 1:\u00a0<\/strong><\/p>\n

Necesito capital de trabajo para la expansi\u00f3n de mi negocio. Debo aplicar por una l\u00ednea cr\u00e9dito \u00a0o un <\/strong>prestamo<\/strong><\/a>\u00a0a termino fijo, o ambos?<\/strong><\/p>\n

Un pr\u00e9stamo, si su negocio tiene menos de dos a\u00f1os usted no est\u00e1 listo para una l\u00ednea de cr\u00e9dito. La aplicaci\u00f3n a una l\u00ednea de cr\u00e9dito requiere un historial sobre las ventas brutas y si su negocio es nuevo, usted probablemente no calificar\u00e1 a una l\u00ednea de cr\u00e9dito de un banco.<\/p>\n

Usted tendr\u00e1 que considerar un pr\u00e9stamo a termino fijo el cual es determinado por tres factores importantes:<\/strong><\/p>\n

#1 Su puntaje de cr\u00e9dito y cuanto tiene en deudas pendientes. Esto incluye tanto el personal como las obligaciones de la empresa.<\/p>\n

#2 Flujos de caja reales reflejan su habilidad para pagar las deuda pendientes y poder crecer su negocio.<\/p>\n

#3\u00a0El prestamista est\u00e1 familiarizado y le gusta su tipo de empresa.<\/p>\n

Precauci\u00f3n del escritor:\u00a0<\/em><\/strong><\/p>\n

Muchos negocios ser\u00e1n aproximados por prestamistas de internet quienes ofrecen acceso a capital \u00abR\u00e1pida\u00bb , Tenga Cuidado!<\/em><\/p>\n

El costo de estos pr\u00e9stamos \u00abR\u00e1pidos\u00bb al \u00e9xito de su negocio que tienen un proceso de aplicaci\u00f3n muy simple, pueden ser peligrosos tanto para el \u00e9xito del negocio y a su puntaje de cr\u00e9dito personal. Las tasas de inter\u00e9s ofrecidas podr\u00e1n parecer bajas dado que es un inter\u00e9s pagado diario.<\/em><\/p>\n

Intereses diarios impactan la disponibilidad de efectivo para poder crecer su negocio, y la tasa de inter\u00e9s, calculada de manera anual, es siempre de doble digito. El pago de la deuda es dif\u00edcil y obtener deuda adicional a una tasa del mercado es imposible hasta que el prestamos es pagado.<\/em><\/p>\n

Si su puntaje de cr\u00e9dito personal es bueno (680 o m\u00e1s), muchos prestamistas tanto bancos y prestamistas de internet, considerar\u00e1n un pr\u00e9stamo empresarial a termino fijo en un inter\u00e9s de un digito..<\/p>\n

En muchos casos el SBA garantiza una gran porci\u00f3n de el pr\u00e9stamo, asegurando al aplicante de su repago. La garant\u00eda del\u00a0 SBA reduce el riesgo a el prestamista. Pr\u00e9stamos garantizados por el SBA son muchos m\u00e1s econ\u00f3micos que prestamos de \u00abpayday\u00bb. Y algunos bancos pueden ofrecer pr\u00e9stamos convencionales a termino fijo a clientes calificados con buen historial.<\/p>\n

Pregunta 2:<\/strong><\/p>\n

Que tanto se demora el proceso de aplicaci\u00f3n a el pr\u00e9stamo?<\/strong><\/p>\n

Usted puede encontrar prestamistas de \u00abPayday\u00bb en el internet que pueden proveer financiaci\u00f3n entre 24 a 48 horas. Esos prestamos podr\u00e1n ser \u00abr\u00e1pidos\u00bb pero son muy costosos. Cuidado!<\/p>\n

Hay un prestamista en internet United Midwest Savings Bank.<\/p>\n

UMWSB ha racionalizado el proceso en l\u00ednea tanto para empresas nuevas como las ya existentes. La mayor dificultad para la muchos de los aplicantes es el puntaje de cr\u00e9dito que se necesita.<\/p>\n

Ellos pueden proveer una pre-aprobaci\u00f3n en menos de 24 horas y luego el cliente tiene que proveer la dem\u00e1s informaci\u00f3n.<\/p>\n

Si la compa\u00f1\u00eda mantiene los estados financieros actuales y puede preparar una proyecci\u00f3n de flujo de caja realista, un prestamos se puede cerrar en menos de 10 d\u00edas. Los prestamos bajo el programa SBA 7A son pr\u00e9stamos entre $20,000 hasta $150,000.<\/p>\n

En el estado de la Florida \u00abNeighborhood Lending Partners\u00bb tiene prestamos para nuevas empresas a un inter\u00e9s un poco mas alto que prestamistas convencionales, pero ellos consideran aplicantes con puntajes de cr\u00e9dito que en los bancos no son aceptables.<\/p>\n

Ellos consideran prestamos hasta por $500,000.\u00a0 El proceso es m\u00e1s lento que los prestamos en l\u00ednea, pero es una alternativa excelente.<\/p>\n

Y, Acci\u00f3n USA tambi\u00e9n est\u00e1 procesando prestamos para empresas nuevas.<\/p>\n

Todos estos prestamistas est\u00e1n revisando los prestamos con garant\u00edas del SBA.<\/p>\n

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

Keys to Obtaining Funding<\/a><\/p>\n

Real Scenario- When a Growing Small Business Needs Funding<\/a><\/p>\n

3 Questions To Optimize Your Financial Performance<\/a><\/p>\n

Breaking Down the Set Up of Small Business Financial Records\u00a0<\/a><\/p>\n

3 Action Steps to Financial Management\u00a0<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Preguntas financieras de due\u00f1os de peque\u00f1os negocios, propuestas y respondidas por un defensor de los peque\u00f1os negocios.<\/p>\n","protected":false},"author":1910,"featured_media":99869,"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":[1859,1681],"class_list":["post-99957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dinero","category-financiacion","category-negocios","tag-capital-es","tag-startup-es"],"acf":[],"yoast_head":"\nPreguntas & Respuestas de Finanzas de Peque\u00f1os Negocios por Un Prestamista Experto - Latin Business Hoy<\/title>\n<meta name=\"description\" content=\"Note del Editor: Esta es la primera parte en una serie de preguntas comunes recopiladas de due\u00f1os de peque\u00f1os negocios y sus respectivas...\" \/>\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\/preguntas-respuestas-de-finanzas-de-pequenos-negocios-por-un-prestamista-experto\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Preguntas & Respuestas de Finanzas de Peque\u00f1os Negocios por Un Prestamista Experto - 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