A principios del 2020, el gobierno federal anunció la entrega de un millón de créditos a la palabra a Pequeñas y Medianas Empresas del sector formal e informal por 25 mil pesos, para que les permitiera hacer frente a la crisis económica agudizada por la pandemia del coronavirus (Covid-19). Sin embargo, un reclamo constante de los empresarios y emprendedores es que ese monto no es suficiente.
De acuerdo con el Reporte de Indicadores Básicos de Créditos a las Pequeñas y Medianas Empresas, publicado por el Banco de México (Banxico), las PyMes tienen el siguiente tamaño y número de empleados:
Tamaño Sector Empleados Ventas anuales
Pequeña
Comercio/ Industria y Servicios > De 11 hasta 30 > Desde 4.01 hasta 100 mdp
Mediana
Se puede observar que 25 mil pesos podrían significar únicamente un mes de renta del local del negocio o el sueldo por un mes de algunos empleados, además, la mayoría de los negocios considerados no esenciales han estado cerrados por más de 6 meses.
Entonces, ¿qué puedo hacer para solventar estos momentos de crisis?
Afortunadamente, hoy en día existen varias alternativas de financiamiento más allá de las que ofrece el gobierno, y una de ellas, es el crédito PyMe.
Dicho préstamo, se puede otorgar en el corto, mediano y largo plazo, y se adapta a las necesidades del negocio.
Algunos de sus beneficios son:
- Obtienes el capital en pocos días.
- Financiamiento para tu operación o crecimiento
- Crear un historial crediticio que te ayudará en futuros créditos
- Puedes tener tasas preferentes según el giro de tu negocio
Hablemos de más alternativas
- Factoraje
Otra buena opción puede ser el factoraje financiero, si la empresa está teniendo problemas de liquidez y tiene cuentas por cobrar pendientes, o aún no ha llegado el plazo de cobro, puede optar por esta vía de financiamiento, en donde la compañía vende las facturas a una financiera, la cual te otorga un porcentaje del dinero que debe el cliente, y así, poderle dar liquidez al negocio.
- Crédito Simple
Se trata de un financiamiento a largo o mediano plazo, que las instituciones financieras dan a personas físicas y morales de distintos sectores, tanto del ámbito industrial, comercial o de servicios. Lo puedes destinar a compra de activos fijos, capital de trabajo, proyectos de inversión y/o reestructuración de pasivos. Puedes disponer de él de acuerdo a las fechas pactadas en un contrato, y puede ser sin garantía o con garantía.
- Crédito Revolvente
A diferencia del anterior, con un crédito revolvente puedes disponer del efectivo cuantas veces lo requieras, siempre y cuando se haya pagado de forma parcial o total la cantidad de la línea otorgada. Es un préstamo de corto plazo y es el de mayor frecuencia entre las PyMes. La ventaja de este financiamiento, es que te proporciona liquidez cuando tu empresa lo necesita.
- Tarjeta de crédito empresarial
Esta es una gran opción para separar tus finanzas personales de las del negocio, no sólo por un mejor control de los gastos e ingresos, sino que una tarjeta de crédito empresarial está diseñada exclusivamente para empresas. Alrededor del 80% de los empresarios, utilizan su tarjeta personal para el negocio, lo que puede no ser viable en términos de costos, ya que las tasas de interés pueden ser menores con una tarjeta para tu empresa.
¿Qué tan viable es que mi empresa adquiera alguno de estos créditos?
Esta es una gran pregunta, ya que a la gran mayoría de las PyMes que han solicitado un crédito lo han obtenido y únicamente al 6.9% que ha sido rechazado por la Banca Comercial, se debe a dos motivos principales: no tenían garantía (18.6%), mal historial crediticio (17.2%) o no pudieron comprobar ingresos (13.6%). Por eso, es muy importante que te asegures de contar con estos tres elementos si quieres aumentar las posibilidades de éxito al solicitar un crédito empresarial.
A tomar en cuenta
Antes de solicitar un crédito empresarial, tienes que identificar la necesidad de tu negocio, comparar lo que cada institución financiera te ofrece, la tasa de interés y el costo anual total (CAT), entre otros.
Cada vez más empresarios entienden los diferentes productos financieros que pueden aprovechar, en Nrich.com encontrarás diferentes soluciones financieras de acuerdo a las necesidades de tu empresa
Edwin Chazaro CEO de Nrich
RECOMENDAMOS Los principales retos de la internacionalización de los negocios
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