{"id":1870,"date":"2023-12-26T22:45:17","date_gmt":"2023-12-26T22:45:17","guid":{"rendered":"https:\/\/www.evopayments.mx\/blog\/?p=1870"},"modified":"2023-12-26T22:45:17","modified_gmt":"2023-12-26T22:45:17","slug":"microcreditos-para-pymes-que-son","status":"publish","type":"post","link":"https:\/\/www.evopayments.mx\/blog\/microcreditos-para-pymes-que-son\/","title":{"rendered":"Microcr\u00e9ditos para PyMEs, \u00bfqu\u00e9 son?"},"content":{"rendered":"\n<p>De acuerdo con estimaciones de la Asociaci\u00f3n de Emprendedores de M\u00e9xico (ASEM), 35% de los emprendimientos fracasan por falta de dinero. Esto indica que el acceso a <strong>cr\u00e9ditos y pr\u00e9stamos<\/strong> es una de las claves para <strong>impulsar el <\/strong><a href=\"https:\/\/www.evopayments.mx\/blog\/5-consejos-emprender-ferreteria-exitosa\/\" target=\"_blank\" rel=\"noreferrer noopener\" title=\"5 consejos para emprender una ferreter\u00eda exitosa\"><strong>\u00e9xito<\/strong><\/a><strong> de un negocio<\/strong>.<\/p>\n\n\n\n<p>Sin embargo, a la mayor\u00eda de las PyMEs y MicroPyMEs se les complica acceder a <a href=\"https:\/\/www.evopayments.mx\/blog\/7-metodos-para-financiar-tu-proyecto-de-negocio\/\" target=\"_blank\" rel=\"noreferrer noopener\" title=\"7 m\u00e9todos para financiar tu proyecto de negocio\">financiamientos<\/a> en entidades bancarias tradicionales porque no cumplen con los requisitos, por ejemplo, tener un amplio <strong>historial crediticio<\/strong>. Para brindar a m\u00e1s personas la oportunidad de invertir en sus emprendimientos surgieron los <strong>microcr\u00e9ditos<\/strong>, pr\u00e9stamos de peque\u00f1as cantidades de dinero que se tienen que liquidar en periodos m\u00e1s cortos que los de un cr\u00e9dito convencional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Clasificaci\u00f3n<\/strong><\/h2>\n\n\n\n<p>Existen dos tipos de microcr\u00e9ditos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Individuales:<\/strong> se otorgan a las personas due\u00f1as de un negocio. Requieren de avales o una garant\u00eda prendaria.<\/li>\n\n\n\n<li><strong>Grupales: <\/strong>se otorgan a un <a href=\"https:\/\/www.evopayments.mx\/blog\/5-claves-para-iniciar-un-negocio-con-familiares-amigos\/\" target=\"_blank\" rel=\"noreferrer noopener\" title=\"5 claves para iniciar un negocio con familiares o amigos\">grupo de personas<\/a> que no cuenta con garant\u00edas propias, pero que se organiza para fortalecer su negocio y responder en conjunto para pagar el cr\u00e9dito.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Beneficios<\/strong><\/h2>\n\n\n\n<p>Los<strong> microcr\u00e9ditos <\/strong>suelen ser una alternativa de financiamiento con muchas ventajas para peque\u00f1os negocios, entre las que destacan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sencillez:<\/strong> regularmente se necesitan pocos tr\u00e1mites, la solicitud suele ser r\u00e1pida y sencilla, e incluso se puede hacer en l\u00ednea.<\/li>\n\n\n\n<li><strong>Accesibilidad:<\/strong> debido a que los pr\u00e9stamos no son altos y el plazo para pagarlos es corto, las tasas de inter\u00e9s tambi\u00e9n son bajas y accesibles.<\/li>\n\n\n\n<li><strong>Liquidez: <\/strong>ayudan a <a href=\"https:\/\/www.evopayments.mx\/blog\/recomendaciones-para-pedir-un-financiamiento-para-tu-negocio\/\" target=\"_blank\" rel=\"noreferrer noopener\" title=\"Recomendaciones para pedir un financiamiento para tu negocio\">financiar<\/a> proyectos y necesidades concretas, lo cual beneficia la liquidez del negocio.<\/li>\n\n\n\n<li><strong>Inclusi\u00f3n financiera: <\/strong>funcionan como puerta de entrada a la banca tradicional.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Consejos<\/strong><\/h2>\n\n\n\n<p>Seg\u00fan especialistas de la Asociaci\u00f3n de Bancos de M\u00e9xico (ABM), m\u00e1s de 5.3 millones de microempresas en M\u00e9xico tienen un microcr\u00e9dito. Si est\u00e1s pensando solicitar un <strong>microcr\u00e9dito para empezar tu negocio<\/strong> y sumarte a esta cifra, te recomendamos seguir estos consejos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inf\u00f3rmate: <\/strong>investiga las diferentes alternativas de financiamiento, desde apoyos emitidos por el gobierno, hasta cr\u00e9ditos otorgados por fintechs. Revisa bien los t\u00e9rminos y condiciones del pr\u00e9stamo y aseg\u00farate de que estas instituciones est\u00e9n reguladas por la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV).<\/li>\n\n\n\n<li><strong>Compara plazos y tasas: <\/strong>dependiendo del monto del cr\u00e9dito, compara plazos y tasas de inter\u00e9s para elegir la opci\u00f3n que m\u00e1s se ajuste a tu presupuesto.<\/li>\n\n\n\n<li><strong>Analiza tu capacidad de pago: <\/strong>con base en las ventas y el crecimiento de tu <a href=\"https:\/\/www.evopayments.mx\/blog\/9-ideas-de-emprendimientos-desde-casa\/\" target=\"_blank\" rel=\"noreferrer noopener\" title=\"9 ideas de emprendimientos desde casa\">emprendimiento<\/a>, puedes armar un plan financiero que incluya el pago del cr\u00e9dito dentro de tus gastos fijos.<\/li>\n\n\n\n<li><strong>Investiga beneficios adicionales: <\/strong>algunas instituciones financieras brindan beneficios adicionales al cr\u00e9dito, por ejemplo, descuentos en la adquisici\u00f3n de seguros.<\/li>\n<\/ul>\n\n\n\n<p>FUENTES:<\/p>\n\n\n\n<p><a href=\"https:\/\/www.eleconomista.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">https:\/\/www.eleconomista.com.mx\/<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.milenio.com\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">https:\/\/www.milenio.com\/<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/revista.condusef.gob.mx\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">https:\/\/revista.condusef.gob.mx\/<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rastreator.com\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">https:\/\/www.rastreator.com\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De acuerdo con estimaciones de la Asociaci\u00f3n de Emprendedores de M\u00e9xico (ASEM), 35% de los emprendimientos fracasan por falta de dinero. Esto indica que el acceso a cr\u00e9ditos y pr\u00e9stamos es una de las claves para impulsar el \u00e9xito de un negocio. Sin embargo, a la mayor\u00eda de las PyMEs y MicroPyMEs se les complica [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1871,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[1150,1456,1722,1238,855,956,1724,48,1723,25],"class_list":["post-1870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empieza-tu-negocio","tag-crece-tu-negocio","tag-creditos-2","tag-creditos-para-pymes","tag-empieza-tu-negocio","tag-emprendedores","tag-emprendedurismo","tag-emprendimientos","tag-financiamiento","tag-microcreditos","tag-pymes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Microcr\u00e9ditos para PyMEs, \u00bfqu\u00e9 son? - Evo blog<\/title>\n<meta name=\"description\" content=\"Los microcr\u00e9ditos son pr\u00e9stamos de peque\u00f1as cantidades de dinero durante plazos cortos que se otorgan a personas emprendedoras que desean impulsar su negocio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.evopayments.mx\/blog\/microcreditos-para-pymes-que-son\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microcr\u00e9ditos para PyMEs, \u00bfqu\u00e9 son? 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