{"id":7823,"date":"2021-09-22T07:00:14","date_gmt":"2021-09-22T14:00:14","guid":{"rendered":"http:\/\/edcollaborative.com\/?p=7823"},"modified":"2025-08-28T03:57:07","modified_gmt":"2025-08-28T10:57:07","slug":"how-to-get-a-business-loan-despite-poor-credit","status":"publish","type":"post","link":"https:\/\/edcollaborative.com\/es\/blog\/how-to-get-a-business-loan-despite-poor-credit\/","title":{"rendered":"\u00bfC\u00f3mo obtener un pr\u00e9stamo comercial a pesar de tener mal cr\u00e9dito?"},"content":{"rendered":"<p style=\"text-align: justify;\">La falta de capital de trabajo adecuado es una de las principales razones por las que muchas peque\u00f1as empresas fracasan. Si bien puede abordar este problema con financiaci\u00f3n de un banco, la mayor\u00eda de los prestamistas convencionales le exigir\u00e1n que demuestre su solvencia crediticia para calificar. Este obst\u00e1culo obliga a muchos inversores afectados a buscar fuentes alternativas de financiaci\u00f3n. He aqu\u00ed un vistazo a c\u00f3mo puede obtener un <a href=\"https:\/\/edcollaborative.com\/es\/edc-loan\/\">pr\u00e9stamo comercial<\/a> a pesar del mal cr\u00e9dito para financiar sus operaciones diarias.<\/p>\n<h2><strong>Por qu\u00e9 deber\u00eda preocuparse por su puntaje crediticio<\/strong><\/h2>\n<p style=\"text-align: justify;\">Cuando se acerca a un prestamista para solicitar un pr\u00e9stamo, este utilizar\u00e1 su puntaje crediticio para medir su nivel de riesgo. Una puntuaci\u00f3n m\u00e1s alta (como 650 o m\u00e1s) muestra que es muy probable que pague su pr\u00e9stamo.<\/p>\n<p style=\"text-align: justify;\">Puede mejorar su calificaci\u00f3n para un pr\u00e9stamo comercial mejorando su puntaje crediticio y demostrando los siguientes h\u00e1bitos de endeudamiento saludables:<\/p>\n<ul>\n<li style=\"text-align: justify;\"><strong>Recuperaci\u00f3n a tiempo:<\/strong> Los pagos atrasados constantes pueden perjudicar su reputaci\u00f3n ante los prestamistas. Evite transferir sus saldos de cr\u00e9dito al mes siguiente.<\/li>\n<li style=\"text-align: justify;\"><strong>No mantenga grandes saldos de cr\u00e9dito: <\/strong>La mayor\u00eda de los prestamistas lo ver\u00e1n como un prestatario riesgoso si tiene saldos pendientes elevados. Intente mantener su \u00edndice de utilizaci\u00f3n de cr\u00e9dito por debajo de 30% para mantener su puntaje saludable.<\/li>\n<li style=\"text-align: justify;\"><strong>No tenga demasiados pr\u00e9stamos:<\/strong> Cada vez que abre una nueva l\u00ednea de cr\u00e9dito o solicita un nuevo pr\u00e9stamo, el prestamista examina su informe crediticio (consulta exhaustiva), lo que puede afectar su puntaje.<\/li>\n<li style=\"text-align: justify;\"><strong>Mantenga separados los gastos comerciales y personales: <\/strong>Separar estas cuentas financieras puede ayudarle a mantener un puntaje crediticio excelente bajo el nombre de su empresa, incluso con un historial crediticio personal deficiente.<\/li>\n<li style=\"text-align: justify;\"><strong>Aproveche los historiales crediticios combinados: <\/strong>Puede mejorar su posici\u00f3n ante los prestamistas agregando socios comerciales con un historial crediticio saludable y m\u00e1s opciones de garant\u00eda.<\/li>\n<\/ul>\n<h2><strong>Consejos para obtener un pr\u00e9stamo comercial con mal cr\u00e9dito<\/strong><\/h2>\n<p style=\"text-align: justify;\">Es m\u00e1s dif\u00edcil conseguir un <a href=\"https:\/\/edcollaborative.com\/es\/edc-loan\/\">pr\u00e9stamo para peque\u00f1as empresas<\/a> con una puntuaci\u00f3n de cr\u00e9dito de 300-629. Mientras trabaja para mejorar su calificaci\u00f3n, explore estas estrategias para aumentar sus posibilidades de aprobaci\u00f3n del pr\u00e9stamo:<\/p>\n<ul>\n<li style=\"text-align: justify;\"><strong>Obtenga su informe de cr\u00e9dito:<\/strong> Obtenga su informe crediticio anual gratuito para saber cu\u00e1l es su situaci\u00f3n en t\u00e9rminos de cr\u00e9dito personal y comercial.<\/li>\n<li style=\"text-align: justify;\"><strong>Proporcionar garant\u00eda:<\/strong> Los activos personales valiosos, las cuentas por cobrar o las cuentas de inversi\u00f3n pueden aumentar su solvencia.<\/li>\n<li style=\"text-align: justify;\"><strong>Incluya un cofirmante con buen cr\u00e9dito: <\/strong>Agregar un aval con una mejor puntuaci\u00f3n puede reducir el riesgo que asume un banco al prestarle.<\/li>\n<li style=\"text-align: justify;\"><strong>Encuentre un prestamista adecuado: <\/strong>Los requisitos de elegibilidad var\u00edan seg\u00fan factores como el banco y el tipo de financiaci\u00f3n. Busque un prestamista que se adapte a su situaci\u00f3n financiera, incluido el mal cr\u00e9dito.<\/li>\n<li style=\"text-align: justify;\"><strong>Reducir el monto del pr\u00e9stamo: <\/strong>Puede ser m\u00e1s f\u00e1cil obtener un pr\u00e9stamo peque\u00f1o cuando se tiene un puntaje crediticio bajo.<\/li>\n<\/ul>\n<h2><strong>Tipos de pr\u00e9stamos comerciales que puede obtener con mal cr\u00e9dito<\/strong><\/h2>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/edcollaborative.com\/es\/edc-loan\/\">Opciones de financiaci\u00f3n para peque\u00f1as empresas<\/a> con mal cr\u00e9dito incluyen:<\/p>\n<ul>\n<li style=\"text-align: justify;\"><strong>Pr\u00e9stamos convencionales<\/strong>, aunque generalmente atraen tasas de inter\u00e9s m\u00e1s altas para los prestatarios riesgosos.<\/li>\n<li style=\"text-align: justify;\">Investigue para ver si califica para una cooperativa de cr\u00e9dito <strong>micropr\u00e9stamo<\/strong> de alrededor de $50,000 o menos<\/li>\n<li style=\"text-align: justify;\">Pruebe con buena reputaci\u00f3n <strong>Prestamistas de tecnolog\u00eda financiera<\/strong> ofrecer servicios financieros a bajo inter\u00e9s a trav\u00e9s de tecnolog\u00eda como aplicaciones m\u00f3viles<\/li>\n<li style=\"text-align: justify;\">Tomar un <strong>anticipo de efectivo para comerciantes<\/strong> cuando experimente problemas de flujo de caja, pero tenga cuidado con su alta tasa de inter\u00e9s<\/li>\n<li style=\"text-align: justify;\">Descubra si califica para un<strong> tarjeta de cr\u00e9dito comercial<\/strong> para financiar sus operaciones<\/li>\n<li style=\"text-align: justify;\">Obtener una <strong>pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> si eres due\u00f1o de una casa, pero recuerda que est\u00e1s usando la propiedad como garant\u00eda<\/li>\n<li style=\"text-align: justify;\">A <strong>pr\u00e9stamo basado en ventas<\/strong> es una opci\u00f3n si tiene un puntaje crediticio superior a 550 y sus ingresos comerciales anuales superan los $100,000<\/li>\n<li style=\"text-align: justify;\">Si puede presentar un caso convincente, puede convencer a sus amigos o familiares para que lo respalden financieramente.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Explore m\u00faltiples opciones de financiamiento para hacer crecer su empresa cuando enfrente deficiencias de capital de trabajo. Si est\u00e1 buscando un pr\u00e9stamo para peque\u00f1as empresas en el condado de Ventura, cont\u00e1ctenos al <a href=\"https:\/\/edcollaborative.com\/es\/\">Colaboraci\u00f3n de desarrollo econ\u00f3mico<\/a> en Camarillo, California. Estamos aqu\u00ed para brindar orientaci\u00f3n estrat\u00e9gica y recursos para ayudar a las empresas a tener \u00e9xito.<\/p>","protected":false},"excerpt":{"rendered":"<p>La falta de capital de trabajo adecuado es una de las principales razones por las que muchas peque\u00f1as empresas fracasan. Si bien puede abordar este problema con financiaci\u00f3n de un banco, la mayor\u00eda de los prestamistas convencionales le exigir\u00e1n que demuestre su solvencia crediticia para calificar. Este obst\u00e1culo obliga a muchos inversores afectados a buscar fuentes alternativas de financiaci\u00f3n. Aqu\u00ed est\u00e1 un<br \/><a href=\"https:\/\/edcollaborative.com\/es\/blog\/how-to-get-a-business-loan-despite-poor-credit\/\" class=\"more\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":180,"featured_media":7827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1315],"tags":[1247,451,1038],"class_list":["post-7823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans","tag-business-loan-tips","tag-business-loans","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>How to Get a Business Loan Despite Poor Credit? - EDC<\/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\/how-to-get-a-business-loan-despite-poor-credit\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get a Business Loan Despite Poor Credit? - Economic Development Collaborative\" \/>\n<meta property=\"og:url\" content=\"https:\/\/edcollaborative.com\/es\/blog\/how-to-get-a-business-loan-despite-poor-credit\/\" \/>\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=\"2021-09-22T14:00:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-28T10:57:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/edcollaborative.com\/wp-content\/uploads\/2021\/09\/Get-a-Business-Loan-Despite-Poor-Credit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\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=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/\",\"url\":\"https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/\",\"name\":\"How to Get a Business Loan Despite Poor Credit? - EDC\",\"isPartOf\":{\"@id\":\"https:\/\/edcollaborative.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/edcollaborative.com\/wp-content\/uploads\/2021\/09\/Get-a-Business-Loan-Despite-Poor-Credit.jpg\",\"datePublished\":\"2021-09-22T14:00:14+00:00\",\"dateModified\":\"2025-08-28T10:57:07+00:00\",\"author\":{\"@id\":\"https:\/\/edcollaborative.com\/#\/schema\/person\/f5215169c2419eba5926c3fb11f5e8a0\"},\"description\":\"A lack of adequate working capital is one of the major reasons why many small businesses fail. 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A continuaci\u00f3n le mostramos c\u00f3mo puede obtener un pr\u00e9stamo comercial a pesar del mal cr\u00e9dito para financiar sus operaciones diarias.","breadcrumb":{"@id":"https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/edcollaborative.com\/blog\/how-to-get-a-business-loan-despite-poor-credit\/#primaryimage","url":"https:\/\/edcollaborative.com\/wp-content\/uploads\/2021\/09\/Get-a-Business-Loan-Despite-Poor-Credit.jpg","contentUrl":"https:\/\/edcollaborative.com\/wp-content\/uploads\/2021\/09\/Get-a-Business-Loan-Despite-Poor-Credit.jpg","width":800,"height":533,"caption":"Business loan despite poor 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Fall","author_link":"https:\/\/edcollaborative.com\/es\/blog\/author\/tfall\/"},"uagb_comment_info":0,"uagb_excerpt":"A lack of adequate working capital is one of the major reasons why many small businesses fail. While you can address this problem with funding from a bank, most conventional lenders will require you to prove your creditworthiness to qualify. This hurdle forces many impacted investors to look for alternative sources of finance. Here&#8217;s aRead&hellip;","_links":{"self":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts\/7823","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=7823"}],"version-history":[{"count":0,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts\/7823\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/media\/7827"}],"wp:attachment":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/media?parent=7823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/categories?post=7823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/tags?post=7823"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}