
{"id":9213,"date":"2022-06-28T09:00:16","date_gmt":"2022-06-28T16:00:16","guid":{"rendered":"http:\/\/edcollaborative.com\/?p=9213"},"modified":"2026-01-23T02:10:54","modified_gmt":"2026-01-23T10:10:54","slug":"8-practical-tips-for-getting-a-small-business-loan","status":"publish","type":"post","link":"https:\/\/edcollaborative.com\/es\/blog\/8-practical-tips-for-getting-a-small-business-loan\/","title":{"rendered":"8 consejos pr\u00e1cticos para obtener un pr\u00e9stamo para peque\u00f1as empresas"},"content":{"rendered":"<p>Existen diversas opciones de financiamiento para peque\u00f1as empresas, ya que tanto prestamistas tradicionales como alternativas ofrecen pr\u00e9stamos a tasas de inter\u00e9s razonables. Sin embargo, necesitar\u00e1 cierta preparaci\u00f3n para obtener un pr\u00e9stamo a una tasa de inter\u00e9s razonable. Aqu\u00ed tiene ocho consejos para obtenerlo.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Conozca los diferentes tipos de pr\u00e9stamos disponibles para peque\u00f1as empresas. Las opciones de financiamiento disponibles var\u00edan seg\u00fan las necesidades de su negocio, las condiciones espec\u00edficas del pr\u00e9stamo y su duraci\u00f3n. Los diferentes tipos de pr\u00e9stamos disponibles para peque\u00f1as empresas incluyen:\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9stamos para desastres de la SBA:<\/strong>\u00a0disponibles para empresas que se han visto afectadas por un desastre declarado.<\/li>\n\n\n\n<li><strong>L\u00ednea de cr\u00e9dito para peque\u00f1as empresas:<\/strong>\u00a0Brinda a las empresas acceso a fondos seg\u00fan sea necesario.<\/li>\n\n\n\n<li><strong>Financiamiento de cuentas por cobrar:<\/strong>\u00a0este tipo de financiamiento est\u00e1 garantizado por las cuentas por cobrar de su empresa.<\/li>\n\n\n\n<li><strong>Prestamos de capital de trabajo:<\/strong>\u00a0Pr\u00e9stamos utilizados para cubrir las operaciones diarias de una empresa.<\/li>\n\n\n\n<li><strong>Pr\u00e9stamos a plazo para peque\u00f1as empresas:<\/strong>\u00a0Estos pr\u00e9stamos suelen tener un monto espec\u00edfico en d\u00f3lares y se utilizan para financiar la expansi\u00f3n, los gastos de capital y las operaciones comerciales.<\/li>\n\n\n\n<li><strong>Pr\u00e9stamos a plazo para peque\u00f1as empresas de la SBA:<\/strong>\u00a0estos pr\u00e9stamos atraen tasas de inter\u00e9s bajas y t\u00e9rminos de pago favorables porque est\u00e1n garantizados y respaldados por la SBA.<\/li>\n\n\n\n<li><strong>Pr\u00e9stamos para equipos:<\/strong>\u00a0estos pr\u00e9stamos se utilizan para financiar veh\u00edculos, equipos y software y est\u00e1n garantizados por el equipo adquirido.<\/li>\n\n\n\n<li><strong>Tarjeta de cr\u00e9dito para peque\u00f1as empresas:<\/strong>\u00a0Las tarjetas de cr\u00e9dito se pueden utilizar para financiar a corto plazo.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Investigue los prestamistas disponibles. Muchos prestamistas ofrecen pr\u00e9stamos para peque\u00f1as empresas. Puede encontrarlos con una simple b\u00fasqueda en l\u00ednea. Estos prestamistas incluyen:\n<ul class=\"wp-block-list\">\n<li>Prestamistas directos en l\u00ednea<\/li>\n\n\n\n<li>Grandes bancos comerciales<\/li>\n\n\n\n<li>bancos comunitarios locales<\/li>\n\n\n\n<li>Sitios de pr\u00e9stamos entre pares<\/li>\n\n\n\n<li>Prestamistas bancarios respaldados por la SBA<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Anticipe c\u00f3mo los diferentes prestamistas evaluar\u00e1n su perfil crediticio y de riesgo. Los prestamistas basan su decisi\u00f3n de otorgarle un pr\u00e9stamo en su perfil de riesgo e informe crediticio, as\u00ed que tome las medidas correctivas necesarias antes de solicitar un pr\u00e9stamo. Su prestamista consider\u00f3 lo siguiente:\n<ul class=\"wp-block-list\">\n<li>Puntuaci\u00f3n crediticia<\/li>\n\n\n\n<li>Flujo de caja y pr\u00e9stamos pendientes<\/li>\n\n\n\n<li>Activos empresariales<\/li>\n\n\n\n<li>El tiempo en los negocios<\/li>\n\n\n\n<li>Inversores en el negocio<\/li>\n\n\n\n<li>Estados financieros<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Aseg\u00farese de que todos sus estados financieros est\u00e9n en orden. Antes de que un prestamista le otorgue un pr\u00e9stamo, eval\u00fae su contabilidad y sus estados financieros. Por lo tanto, aseg\u00farese de que sean exhaustivos, correctos y completos. Adem\u00e1s, prep\u00e1rese para responder preguntas sobre sus finanzas.<\/li>\n\n\n\n<li>Re\u00fana la informaci\u00f3n detallada necesaria para su solicitud de pr\u00e9stamo para peque\u00f1as empresas. El tipo de informaci\u00f3n requerida incluye:\n<ul class=\"wp-block-list\">\n<li>Nombre de la empresa<\/li>\n\n\n\n<li>identificaci\u00f3n fiscal federal<\/li>\n\n\n\n<li>Estructura legal<\/li>\n\n\n\n<li>Estados financieros<\/li>\n\n\n\n<li>Estados financieros proyectados<\/li>\n\n\n\n<li>Presentaciones estatales, como el certificado de constituci\u00f3n<\/li>\n\n\n\n<li>Copias de p\u00f3lizas de seguro de responsabilidad civil general y de hombre clave<\/li>\n\n\n\n<li>La cantidad del pr\u00e9stamo necesario<\/li>\n\n\n\n<li>Informe de credito empresarial<\/li>\n\n\n\n<li>Plan de negocios<\/li>\n\n\n\n<li>extractos bancarios comerciales<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Determine qu\u00e9 garant\u00eda se puede proporcionar para el pr\u00e9stamo. Los prestamistas se preocupan principalmente por su capacidad de pago. Por lo tanto, es probable que califique para condiciones de pr\u00e9stamo favorables si proporciona una garant\u00eda.<\/li>\n\n\n\n<li>Revise cuidadosamente su perfil y publicaciones en l\u00ednea. Los prestamistas revisar\u00e1n la informaci\u00f3n en l\u00ednea sobre usted y su empresa como parte de su debida diligencia. Por lo tanto, debe asegurarse de que su sitio web est\u00e9 actualizado y revisar sus perfiles y los de su empresa en redes sociales.<\/li>\n\n\n\n<li>Analice las condiciones clave del pr\u00e9stamo comercial propuesto. Considere si el pr\u00e9stamo propuesto se ajusta a las necesidades de su negocio. Puede hacerlo analizando las condiciones de los pr\u00e9stamos y compar\u00e1ndolas con las que ofrecen otras entidades crediticias.<\/li>\n\n\n\n<li>Est\u00e1 preparado para especificar el monto que pedir\u00e1 prestado y c\u00f3mo utilizar\u00e1 el dinero. Los prestamistas necesitan saber cu\u00e1nto desea pedir prestado y c\u00f3mo utilizar\u00e1 el pr\u00e9stamo.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo puede ayudar el programa Colaborativo para el Desarrollo Econ\u00f3mico (EDC)<\/h2>\n\n\n\n<p>Las peque\u00f1as empresas representan el 99.8% de las empresas en California y, por lo tanto, son esenciales para el crecimiento econ\u00f3mico del estado. Si necesitas un&nbsp;<a href=\"https:\/\/edcollaborative.com\/es\/business-development-loan-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\">prestamo comercial en el condado de los angeles<\/a>&nbsp;, as\u00ed como otros recursos empresariales,&nbsp;<a href=\"https:\/\/edcollaborative.com\/es\/about-us\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contacta con EDC hoy mismo<\/a>&nbsp;.<\/p>","protected":false},"excerpt":{"rendered":"<p>Existen diversas opciones de financiamiento para peque\u00f1as empresas, ya que tanto prestamistas tradicionales como alternativas ofrecen pr\u00e9stamos a tasas de inter\u00e9s razonables. Sin embargo, necesitar\u00e1 cierta preparaci\u00f3n para obtener un pr\u00e9stamo a una tasa de inter\u00e9s razonable. Aqu\u00ed tiene ocho consejos para obtenerlo. Conozca los diferentes tipos de pr\u00e9stamos disponibles para peque\u00f1as empresas. Las opciones<br \/><a href=\"https:\/\/edcollaborative.com\/es\/blog\/8-practical-tips-for-getting-a-small-business-loan\/\" class=\"more\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":180,"featured_media":9267,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1315],"tags":[1258,1247,1332,1351],"class_list":["post-9213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans","tag-a-guide-to-choosing-the-right-small-business-loan-in-ventura-county-and-santa-barbara-county","tag-business-loan-tips","tag-criteria-for-sba-loan","tag-los-angeles-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":true,"content":true,"excerpt":false}}},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 consejos 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Fall","author_link":"https:\/\/edcollaborative.com\/es\/blog\/author\/tfall\/"},"uagb_comment_info":0,"uagb_excerpt":"Existen diversas opciones de financiamiento para peque\u00f1as empresas, ya que tanto prestamistas tradicionales como alternativos ofrecen pr\u00e9stamos a tasas de inter\u00e9s razonables. Sin embargo, necesitar\u00e1 cierta preparaci\u00f3n para obtener un pr\u00e9stamo a una tasa de inter\u00e9s razonable. Aqu\u00ed tiene ocho consejos para obtenerlo. Conozca los diferentes tipos de pr\u00e9stamos disponibles para peque\u00f1as empresas. Las opcionesRead&hellip;","_links":{"self":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts\/9213","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=9213"}],"version-history":[{"count":0,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/posts\/9213\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/media\/9267"}],"wp:attachment":[{"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/media?parent=9213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/categories?post=9213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edcollaborative.com\/es\/wp-json\/wp\/v2\/tags?post=9213"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}