{"id":11810,"date":"2023-08-24T09:00:32","date_gmt":"2023-08-24T16:00:32","guid":{"rendered":"https:\/\/edcollaborative.com\/?p=11810"},"modified":"2023-08-28T06:20:05","modified_gmt":"2023-08-28T13:20:05","slug":"impact-of-collateral-on-business-loan-applications","status":"publish","type":"post","link":"https:\/\/edcollaborative.com\/es\/blog\/impact-of-collateral-on-business-loan-applications\/","title":{"rendered":"Explorando el impacto de la garant\u00eda en las solicitudes de pr\u00e9stamos comerciales"},"content":{"rendered":"<p style=\"text-align: justify;\">Como propietario de una peque\u00f1a empresa, reconoce la importancia del financiamiento. La mayor\u00eda de las empresas dependen del financiamiento para ayudar a respaldar sus operaciones hasta que puedan generar ingresos. Una de las principales formas de obtener financiaci\u00f3n es ofreciendo garant\u00edas. La garant\u00eda implica ofrecer un activo a su prestamista del que tomar\u00e1 posesi\u00f3n si usted no puede pagar el pr\u00e9stamo. Los prestamistas aceptan garant\u00edas como una forma de minimizar los riesgos al otorgar pr\u00e9stamos. A continuaci\u00f3n presentamos un vistazo m\u00e1s de cerca a los pr\u00e9stamos colaterales para peque\u00f1as empresas.<\/p>\n<ul>\n<li><strong>Opciones de garant\u00eda<\/strong>\n<p style=\"text-align: justify;\">Los prestamistas generalmente aceptan activos que pueden cambiar f\u00e1cilmente por efectivo. Es por eso que los propietarios de peque\u00f1as empresas pueden utilizar acciones, bonos del tesoro y bonos corporativos como garant\u00eda. Otra forma de garant\u00eda implica activos tangibles como equipos, autom\u00f3viles o bienes ra\u00edces. Sin embargo, muchos prestamistas exigen que se eval\u00faen los activos tangibles antes de aceptarlos para poder tener una idea clara de su valor. Algunos pr\u00e9stamos colaterales para peque\u00f1as empresas pueden incluso exigirle que venda su casa o su autom\u00f3vil.<\/p>\n<\/li>\n<li><strong>Pr\u00e9stamo a valor<\/strong>\n<p style=\"text-align: justify;\">Otra parte esencial de la garant\u00eda en <a href=\"https:\/\/edcollaborative.com\/es\/edc-sbdc\/\">pr\u00e9stamos para peque\u00f1as empresas<\/a> es la relaci\u00f3n pr\u00e9stamo-valor. La relaci\u00f3n pr\u00e9stamo-valor es la cantidad que ofrecer\u00e1 un prestamista midiendo el valor de su garant\u00eda. Los activos altamente valorados difieren ligeramente entre el valor total de mercado y el monto del pr\u00e9stamo. Muchos prestamistas s\u00f3lo aceptan garant\u00edas con un valor de mercado superior al monto que prestan, ya que eso minimiza el riesgo.<\/p>\n<p style=\"text-align: justify;\">Al determinar su garant\u00eda, los prestamistas normalmente analizan su capital, historial crediticio y capacidad para pagar su pr\u00e9stamo a tiempo. Sin embargo, tenga en cuenta que la Administraci\u00f3n de Peque\u00f1as Empresas puede aprobar su solicitud de pr\u00e9stamo si califica en otras \u00e1reas pero carece de garant\u00eda.<\/p>\n<\/li>\n<li><strong>Grav\u00e1menes: un \u00faltimo recurso<\/strong>\n<p style=\"text-align: justify;\">Los grav\u00e1menes son el peor de los casos. Los grav\u00e1menes ocurren cuando un prestamista decide demandar por no pagar el pr\u00e9stamo. Algunos grav\u00e1menes buscan un activo espec\u00edfico, mientras que otros quieren los activos de la empresa.<\/p>\n<\/li>\n<\/ul>\n<h2>Soluciones de pr\u00e9stamos seguras para peque\u00f1as empresas con EDC<\/h2>\n<p style=\"text-align: justify;\">Los pr\u00e9stamos colaterales para peque\u00f1as empresas protegen a los prestamistas al exigir a los prestatarios que prometan activos valiosos. Para consultas, <a href=\"https:\/\/edcollaborative.com\/es\/about-us\/contact\/\">Cont\u00e1ctenos<\/a> en el <a href=\"https:\/\/edcollaborative.com\/es\/\">Colaboraci\u00f3n de desarrollo econ\u00f3mico<\/a> equipo. Estamos listos para ayudarlo a evaluar sus opciones y encontrar la mejor soluci\u00f3n para sus necesidades.<\/p>","protected":false},"excerpt":{"rendered":"<p>Como propietario de una peque\u00f1a empresa, reconoce la importancia del financiamiento. La mayor\u00eda de las empresas dependen del financiamiento para respaldar sus operaciones hasta que puedan generar ingresos. Una de las principales formas de obtener financiaci\u00f3n es ofreciendo garant\u00edas. La garant\u00eda implica ofrecer un activo a su prestamista del que tomar\u00e1 posesi\u00f3n si usted no puede<br \/><a href=\"https:\/\/edcollaborative.com\/es\/blog\/impact-of-collateral-on-business-loan-applications\/\" class=\"more\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":180,"featured_media":11811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1315],"tags":[1333,1038],"class_list":["post-11810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans","tag-business-loan","tag-small-business-loan"],"translation":{"provider":"WPGlobus","version":"3.0.1","language":"es","enabled_languages":["en","es"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":false,"content":false,"excerpt":false}}},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Exploring the Impact of Collateral on Business Loan Applications<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/edcollaborative.com\/es\/blog\/impact-of-collateral-on-business-loan-applications\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Exploring the Impact of Collateral on Business Loan Applications - Economic Development Collaborative\" \/>\n<meta property=\"og:url\" content=\"https:\/\/edcollaborative.com\/es\/blog\/impact-of-collateral-on-business-loan-applications\/\" \/>\n<meta property=\"og:site_name\" content=\"Economic Development Collaborative\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EDCollaborative\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-24T16:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-28T13:20:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/edcollaborative.com\/wp-content\/uploads\/2023\/08\/4-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"565\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tamera Fall\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EDCollaborative\" \/>\n<meta name=\"twitter:site\" content=\"@EDCollaborative\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tamera Fall\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/edcollaborative.com\/blog\/impact-of-collateral-on-business-loan-applications\/\",\"url\":\"https:\/\/edcollaborative.com\/blog\/impact-of-collateral-on-business-loan-applications\/\",\"name\":\"Exploring the Impact of Collateral on Business Loan Applications\",\"isPartOf\":{\"@id\":\"https:\/\/edcollaborative.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/edcollaborative.com\/blog\/impact-of-collateral-on-business-loan-applications\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/edcollaborative.com\/blog\/impact-of-collateral-on-business-loan-applications\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/edcollaborative.com\/wp-content\/uploads\/2023\/08\/4-1.jpg\",\"datePublished\":\"2023-08-24T16:00:32+00:00\",\"dateModified\":\"2023-08-28T13:20:05+00:00\",\"author\":{\"@id\":\"https:\/\/edcollaborative.com\/#\/schema\/person\/f5215169c2419eba5926c3fb11f5e8a0\"},\"description\":\"Lenders accept collateral as a way of minimizing risks when providing loans. 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Most businesses rely on financing to help support their operations until they can generate revenue. One of the primary ways to secure financing is through offering collateral. Collateral involves offering an asset to your lender that they will take possession of if you cannotRead&hellip;","_links":{"self":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts\/11810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/users\/180"}],"replies":[{"embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/comments?post=11810"}],"version-history":[{"count":0,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts\/11810\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/media\/11811"}],"wp:attachment":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/media?parent=11810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/categories?post=11810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/tags?post=11810"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}