¿Cuándo pedir un crédito empresarial?

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Emprender es un gran reto, pero una vez que te atreves a dar el primer paso todo comienza a surgir, y de inmediato puedes ver más cerca tu sueño. Pero ¿Qué sucede si eres parte de esos 4 millones de PYMES (Pequeñas y Medianas Empresas) que existen en México?, ¿Cómo lograr explotar el potencial de tu negocio y competir si tu liquidez se ve comprometida? La idea más lógica sería solicitar un crédito empresarial a alguna institución financiera, sin embargo, no siempre es la mejor opción.

 

Un crédito empresarial funciona igual que otro crédito financiero, la diferencia radica en cuestiones como el tipo de préstamo otorgado, plazo y tasa de interés. Existe un gran número de entidades financieras dispuestas a otorgar un crédito empresarial, por ello es importante antes de “casarte” con una de éstas comparar distintas ofertas, (pon atención en los intereses que es donde principalmente está el “truco”).

 

Antes de solicitar un crédito empresarial

 

La Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), recomienda antes de solicitar un crédito empresarial responder algunas preguntas, como:

  • ¿Por qué necesito el crédito?
  • ¿A qué serán destinados los recursos del crédito?
  • ¿Cuál es la situación financiera actual de mi negocio?
  • Desde su creación, ¿Cómo opera la empresa y cómo se comporta recientemente?
  • ¿Qué expectativas tienes para tu negocio a corto plazo?
  • ¿Ha tenido un cambio significativo (han crecido, permanecido constantes o disminuido)?

 

¿Qué no hacer con tu crédito empresarial?

 

Bien, suponiendo que respondiste las preguntas anteriores y tienes claro el panorama de tu empresa, dónde está y hacia dónde va, y te decidiste a solicitar un crédito, ahora es importante que sepas en qué no debes usarlo:

  • Algunos de los errores financieros más comunes a la hora de solicitar un crédito empresarial es pensar en pagar deudas de la empresa con ese presupuesto. Si es tu caso, lo recomendable sería no hacerlo, ya que únicamente pasarás la deuda de un lugar a otro, y en esta ocasión los intereses pueden hacer que incremente considerablemente.

Lo recomendable es analizar a fondo la situación financiera de tu negocio, ver la posibilidad de recortar gastos para invertir el dinero ahorrado en el pago de la deuda.

 

  • Utilizarlo para fines distintos a los pensados, desviando los recursos destinados para el crecimiento de la empresa y utilizándolos para gastos personales, u otras situaciones. ¡No lo hagas! Esto puede hacer que tu empresa no alcance el crecimiento que esperabas y sólo quedarás con una gran deuda.

 

Recuerda…

 

Aunque parezca broma, tómalo muy enserio y no olvides leer con detenimiento el contrato antes de adquirir un crédito empresarial, las letras chiquitas pueden ser letales.

Busca asesoría de un experto, si no te encuentras familiarizado con las finanzas es mejor buscar ayuda. Investiga, analiza y toma tu tiempo antes de decidir.

 

En Wellness México, queremos ayudarte. Contáctanos y conoce nuestros cursos y talleres para empresas sobre finanzas personales, y otros temas.

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