{"id":11662,"date":"2025-10-03T11:36:13","date_gmt":"2025-10-03T09:36:13","guid":{"rendered":"https:\/\/finanedi.es\/blog\/?p=11662"},"modified":"2025-10-03T11:47:47","modified_gmt":"2025-10-03T09:47:47","slug":"por-que-la-financiacion-alternativa-crece-frente-al-credito-bancario","status":"publish","type":"post","link":"https:\/\/finanedi.es\/blog\/por-que-la-financiacion-alternativa-crece-frente-al-credito-bancario\/","title":{"rendered":"Por qu\u00e9 la financiaci\u00f3n alternativa crece frente al cr\u00e9dito bancario"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11662\" class=\"elementor elementor-11662\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc4561a e-flex e-con-boxed e-con e-parent\" data-id=\"bc4561a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56cdc14 elementor-widget elementor-widget-text-editor\" data-id=\"56cdc14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"446\" data-end=\"931\">Durante d\u00e9cadas, el cr\u00e9dito bancario fue pr\u00e1cticamente la \u00fanica v\u00eda de financiaci\u00f3n para pymes y aut\u00f3nomos en Espa\u00f1a. Sin embargo, en los \u00faltimos a\u00f1os ha surgido un cambio de paradigma: cada vez m\u00e1s empresas recurren a financiaci\u00f3n alternativa para obtener liquidez de manera \u00e1gil y flexible. Productos como el factoring, el confirming o el descuento de pagar\u00e9s se est\u00e1n consolidando como soluciones m\u00e1s r\u00e1pidas, adaptadas a las necesidades reales del tejido empresarial.<\/p><p data-start=\"933\" data-end=\"1190\">La clave est\u00e1 en que, a diferencia de los pr\u00e9stamos bancarios tradicionales, estas f\u00f3rmulas no siempre requieren avales, se apoyan en los propios documentos comerciales (facturas, pagar\u00e9s) y permiten transformar las ventas a cr\u00e9dito en liquidez inmediata.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d4618c e-flex e-con-boxed e-con e-parent\" data-id=\"9d4618c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3430c3a elementor-widget elementor-widget-heading\" data-id=\"3430c3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 la financiaci\u00f3n alternativa est\u00e1 creciendo?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9028d8 e-flex e-con-boxed e-con e-parent\" data-id=\"b9028d8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5837d60 elementor-widget elementor-widget-text-editor\" data-id=\"5837d60\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Las pymes se enfrentan a retos cada vez m\u00e1s complejos:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9cd5e64 e-flex e-con-boxed e-con e-parent\" data-id=\"9cd5e64\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-504662d elementor-widget elementor-widget-text-editor\" data-id=\"504662d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"1315\" data-end=\"1430\"><p data-start=\"1317\" data-end=\"1430\"><strong data-start=\"1317\" data-end=\"1342\">Largos plazos de pago<\/strong> en Espa\u00f1a (la media se sit\u00faa en torno a 90-100 d\u00edas, una de las m\u00e1s altas de Europa).<\/p><\/li><li data-start=\"1431\" data-end=\"1563\"><p data-start=\"1433\" data-end=\"1563\"><strong data-start=\"1433\" data-end=\"1472\">Endurecimiento del cr\u00e9dito bancario<\/strong>, debido a requisitos de solvencia m\u00e1s estrictos y un contexto de tipos de inter\u00e9s altos.<\/p><\/li><li data-start=\"1564\" data-end=\"1666\"><p data-start=\"1566\" data-end=\"1666\"><strong data-start=\"1566\" data-end=\"1601\">Necesidad de liquidez inmediata<\/strong> para cubrir n\u00f3minas, proveedores o inversiones en crecimiento.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af92f4b e-flex e-con-boxed e-con e-parent\" data-id=\"af92f4b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3b5457 elementor-widget elementor-widget-text-editor\" data-id=\"d3b5457\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En este contexto, el factoring, confirming y descuento de pagar\u00e9s ofrecen ventajas claras: rapidez, menos trabas burocr\u00e1ticas y mayor flexibilidad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cf12d6 e-flex e-con-boxed e-con e-parent\" data-id=\"5cf12d6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01dd3d5 elementor-widget elementor-widget-spacer\" data-id=\"01dd3d5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d55e53 e-flex e-con-boxed e-con e-parent\" data-id=\"5d55e53\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92d2a5 elementor-widget elementor-widget-heading\" data-id=\"b92d2a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Factoring: liquidez a partir de facturas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f4c7bb e-flex e-con-boxed e-con e-parent\" data-id=\"4f4c7bb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-508a459 elementor-widget elementor-widget-text-editor\" data-id=\"508a459\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El <a href=\"https:\/\/finanedi.es\/blog\/que-es-el-factoring\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"1876\" data-end=\"1889\">factoring<\/strong> consiste en la cesi\u00f3n de facturas pendientes de cobro<\/a> a una entidad financiera o no bancaria, que adelanta el importe a la empresa a cambio de una comisi\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1aac1f3 e-flex e-con-boxed e-con e-parent\" data-id=\"1aac1f3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfd4335 elementor-widget elementor-widget-heading\" data-id=\"bfd4335\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ventajas del factoring para las pymes:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42b3e79 e-flex e-con-boxed e-con e-parent\" data-id=\"42b3e79\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae85ce8 elementor-widget elementor-widget-text-editor\" data-id=\"ae85ce8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"2081\" data-end=\"2136\"><p data-start=\"2083\" data-end=\"2136\">Transformar ventas a cr\u00e9dito en liquidez inmediata.<\/p><\/li><li data-start=\"2137\" data-end=\"2214\"><p data-start=\"2139\" data-end=\"2214\">Externalizar la gesti\u00f3n de cobros (en el caso del factoring con gesti\u00f3n).<\/p><\/li><li data-start=\"2215\" data-end=\"2271\"><p data-start=\"2217\" data-end=\"2271\">Reducir el riesgo de impago (factoring sin recurso).<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-797f596 e-flex e-con-boxed e-con e-parent\" data-id=\"797f596\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31b73b25 elementor-widget elementor-widget-text-editor\" data-id=\"31b73b25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\ud83d\udcc4 Un ejemplo<\/strong>:\u00a0una pyme emite facturas por 100.000 \u20ac a 90 d\u00edas. Con factoring, puede obtener ese importe casi al instante, sin esperar al vencimiento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fcea70 e-flex e-con-boxed e-con e-parent\" data-id=\"5fcea70\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8152996 elementor-widget elementor-widget-spacer\" data-id=\"8152996\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a919f0e e-flex e-con-boxed e-con e-parent\" data-id=\"a919f0e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b29d6c9 elementor-widget elementor-widget-heading\" data-id=\"b29d6c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Confirming: facilitar el pago a proveedores<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99120f9 e-flex e-con-boxed e-con e-parent\" data-id=\"99120f9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1923992 elementor-widget elementor-widget-text-editor\" data-id=\"1923992\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El <a href=\"https:\/\/finanedi.es\/blog\/confirming\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"2484\" data-end=\"2498\">confirming<\/strong> funciona a la inversa. En lugar de anticipar facturas de clientes<\/a>, permite a la empresa ofrecer a sus <strong data-start=\"2601\" data-end=\"2616\">proveedores<\/strong> la opci\u00f3n de cobrar por adelantado sus facturas gracias a una entidad financiera.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42b4329 e-flex e-con-boxed e-con e-parent\" data-id=\"42b4329\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bdcb90 elementor-widget elementor-widget-heading\" data-id=\"8bdcb90\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ventajas principales del confirming:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44ef33d e-flex e-con-boxed e-con e-parent\" data-id=\"44ef33d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01437ab elementor-widget elementor-widget-text-editor\" data-id=\"01437ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"2730\" data-end=\"2783\"><p data-start=\"2732\" data-end=\"2783\">Los proveedores cobran antes y aseguran liquidez.<\/p><\/li><li data-start=\"2784\" data-end=\"2887\"><p data-start=\"2786\" data-end=\"2887\">La empresa mantiene sus plazos de pago habituales, mejorando la relaci\u00f3n con su red de proveedores.<\/p><\/li><li data-start=\"2888\" data-end=\"2951\"><p data-start=\"2890\" data-end=\"2951\">No supone endeudamiento directo para la empresa compradora.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42a174b e-flex e-con-boxed e-con e-parent\" data-id=\"42a174b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6aa16f5 elementor-widget elementor-widget-text-editor\" data-id=\"6aa16f5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Este sistema es muy utilizado por empresas medianas y grandes que buscan fidelizar y fortalecer su cadena de suministro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8111efe e-flex e-con-boxed e-con e-parent\" data-id=\"8111efe\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-882a216 elementor-widget elementor-widget-spacer\" data-id=\"882a216\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ea09ba e-flex e-con-boxed e-con e-parent\" data-id=\"3ea09ba\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7ab0a6 elementor-widget elementor-widget-heading\" data-id=\"e7ab0a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Descuento de pagar\u00e9s: adelantar el cobro de documentos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ad7fab e-flex e-con-boxed e-con e-parent\" data-id=\"4ad7fab\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12c7995 elementor-widget elementor-widget-text-editor\" data-id=\"12c7995\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El <a href=\"https:\/\/finanedi.es\/blog\/descuento-de-pagares-solucion-para-mejorar-la-liquidez-de-tu-negocio\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"3148\" data-end=\"3172\">descuento de pagar\u00e9s<\/strong> consiste en anticipar el cobro de un pagar\u00e9 antes de su vencimiento.<\/a> Es una f\u00f3rmula muy conocida en el mercado espa\u00f1ol, donde este instrumento de pago sigue siendo frecuente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4f3422 e-flex e-con-boxed e-con e-parent\" data-id=\"f4f3422\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6a7d4 elementor-widget elementor-widget-heading\" data-id=\"8d6a7d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ventajas del descuento de pagar\u00e9s para las pymes:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-249f08d e-flex e-con-boxed e-con e-parent\" data-id=\"249f08d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a87d8b8 elementor-widget elementor-widget-text-editor\" data-id=\"a87d8b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"3382\" data-end=\"3418\"><p data-start=\"3384\" data-end=\"3418\">Inyecci\u00f3n inmediata de liquidez.<\/p><\/li><li data-start=\"3419\" data-end=\"3484\"><p data-start=\"3421\" data-end=\"3484\">Tramitaci\u00f3n \u00e1gil y menos requisitos que un pr\u00e9stamo bancario.<\/p><\/li><li data-start=\"3485\" data-end=\"3546\"><p data-start=\"3487\" data-end=\"3546\">Posibilidad de cubrir necesidades puntuales de tesorer\u00eda.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-105eac4b e-flex e-con-boxed e-con e-parent\" data-id=\"105eac4b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-182470bf elementor-widget elementor-widget-text-editor\" data-id=\"182470bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\ud83d\udcc4 Un ejemplo<\/strong>: si una empresa recibe un pagar\u00e9 a 120 d\u00edas, puede descontarlo y disponer del dinero casi en el momento, en lugar de esperar cuatro meses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2469e34 e-flex e-con-boxed e-con e-parent\" data-id=\"2469e34\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-822a8d4 elementor-widget elementor-widget-spacer\" data-id=\"822a8d4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d791cd6 e-flex e-con-boxed e-con e-parent\" data-id=\"d791cd6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbe4176 elementor-widget elementor-widget-heading\" data-id=\"cbe4176\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comparativa con el cr\u00e9dito bancario tradicional<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd4bf60 e-flex e-con-boxed e-con e-parent\" data-id=\"cd4bf60\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c246773 elementor-widget elementor-widget-text-editor\" data-id=\"c246773\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A diferencia de un pr\u00e9stamo bancario, estos productos:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc52673 e-flex e-con-boxed e-con e-parent\" data-id=\"cc52673\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb674b4 elementor-widget elementor-widget-text-editor\" data-id=\"bb674b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"3820\" data-end=\"3887\"><p data-start=\"3822\" data-end=\"3887\">Se basan en <strong data-start=\"3834\" data-end=\"3864\">activos comerciales reales<\/strong> (facturas, pagar\u00e9s).<\/p><\/li><li data-start=\"3888\" data-end=\"3948\"><p data-start=\"3890\" data-end=\"3948\">Requieren <strong data-start=\"3900\" data-end=\"3930\">menos garant\u00edas personales<\/strong> o hipotecarias.<\/p><\/li><li data-start=\"3949\" data-end=\"4013\"><p data-start=\"3951\" data-end=\"4013\">Ofrecen <strong data-start=\"3959\" data-end=\"3985\">respuestas m\u00e1s r\u00e1pidas<\/strong> y procesos digitalizados.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab9c1f8 e-flex e-con-boxed e-con e-parent\" data-id=\"ab9c1f8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d68d16b elementor-widget elementor-widget-text-editor\" data-id=\"d68d16b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Esto explica por qu\u00e9 cada vez m\u00e1s pymes recurren a <strong data-start=\"4066\" data-end=\"4094\">financieras no bancarias<\/strong> especializadas en factoring y descuento de pagar\u00e9s, que compiten con la banca tradicional ofreciendo flexibilidad y rapidez.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d98af36 e-flex e-con-boxed e-con e-parent\" data-id=\"d98af36\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a53f70 elementor-widget elementor-widget-spacer\" data-id=\"3a53f70\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5770134 e-flex e-con-boxed e-con e-parent\" data-id=\"5770134\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6a46fe elementor-widget elementor-widget-heading\" data-id=\"f6a46fe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Datos del mercado y tendencias<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c763565 e-flex e-con-boxed e-con e-parent\" data-id=\"c763565\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cccc327 elementor-widget elementor-widget-text-editor\" data-id=\"cccc327\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Seg\u00fan la Asociaci\u00f3n Espa\u00f1ola de Factoring (AEF), el volumen de operaciones de factoring y confirming en Espa\u00f1a super\u00f3 los <strong data-start=\"4389\" data-end=\"4426\">300.000 millones de euros en 2024<\/strong>, con un crecimiento anual superior al 8 %.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-383d2d8 e-flex e-con-boxed e-con e-parent\" data-id=\"383d2d8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12a8b7b elementor-widget elementor-widget-text-editor\" data-id=\"12a8b7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"4472\" data-end=\"4526\"><p data-start=\"4474\" data-end=\"4526\"><strong data-start=\"4474\" data-end=\"4487\">Factoring<\/strong>: concentra m\u00e1s del 50 % del mercado.<\/p><\/li><li data-start=\"4527\" data-end=\"4616\"><p data-start=\"4529\" data-end=\"4616\"><strong data-start=\"4529\" data-end=\"4543\">Confirming<\/strong>: sigue creciendo como herramienta para mejorar relaciones comerciales.<\/p><\/li><li data-start=\"4617\" data-end=\"4723\"><p data-start=\"4619\" data-end=\"4723\"><strong data-start=\"4619\" data-end=\"4643\">Descuento de pagar\u00e9s<\/strong>: aunque m\u00e1s tradicional, mantiene un papel clave en la liquidez de las pymes.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-266b7f1 e-flex e-con-boxed e-con e-parent\" data-id=\"266b7f1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b054d60 elementor-widget elementor-widget-text-editor\" data-id=\"b054d60\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Esto refleja un <strong data-start=\"4741\" data-end=\"4818\">traslado progresivo desde el cr\u00e9dito bancario hacia f\u00f3rmulas alternativas<\/strong>, impulsado por la digitalizaci\u00f3n y la entrada de nuevos operadores fintech.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b6887f e-flex e-con-boxed e-con e-parent\" data-id=\"3b6887f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c6e2d4 elementor-widget elementor-widget-spacer\" data-id=\"9c6e2d4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15bb106 e-flex e-con-boxed e-con e-parent\" data-id=\"15bb106\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c09d4 elementor-widget elementor-widget-heading\" data-id=\"c8c09d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Retos y oportunidades<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ef9d42 e-flex e-con-boxed e-con e-parent\" data-id=\"6ef9d42\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d157c08 elementor-widget elementor-widget-text-editor\" data-id=\"d157c08\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Aunque la financiaci\u00f3n alternativa ofrece muchas ventajas, tambi\u00e9n existen desaf\u00edos:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf23e1c e-flex e-con-boxed e-con e-parent\" data-id=\"cf23e1c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c8a056 elementor-widget elementor-widget-text-editor\" data-id=\"0c8a056\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"5020\" data-end=\"5173\"><p data-start=\"5022\" data-end=\"5173\"><strong data-start=\"5022\" data-end=\"5032\">Costes<\/strong>: las comisiones pueden ser m\u00e1s altas que en la financiaci\u00f3n bancaria tradicional, aunque suelen compensarse por la rapidez y flexibilidad.<\/p><\/li><li data-start=\"5174\" data-end=\"5249\"><p data-start=\"5176\" data-end=\"5249\"><strong data-start=\"5176\" data-end=\"5200\">Educaci\u00f3n financiera<\/strong>: muchas pymes desconocen a\u00fan estas soluciones.<\/p><\/li><li data-start=\"5250\" data-end=\"5341\"><p data-start=\"5252\" data-end=\"5341\"><strong data-start=\"5252\" data-end=\"5278\">Regulaci\u00f3n y seguridad<\/strong>: garantizar transparencia y confianza en el sector es clave.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f5605b1 e-flex e-con-boxed e-con e-parent\" data-id=\"f5605b1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c0c975 elementor-widget elementor-widget-text-editor\" data-id=\"5c0c975\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Al mismo tiempo, la tendencia hacia la <strong data-start=\"5382\" data-end=\"5443\">digitalizaci\u00f3n, la inmediatez y el menor riesgo de impago<\/strong> har\u00e1 que el factoring, confirming y descuento de pagar\u00e9s sigan creciendo en los pr\u00f3ximos a\u00f1os.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39d9c11 e-flex e-con-boxed e-con e-parent\" data-id=\"39d9c11\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b5f69d elementor-widget elementor-widget-spacer\" data-id=\"5b5f69d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e4ca4c6 e-flex e-con-boxed e-con e-parent\" data-id=\"4e4ca4c6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c3bf07 e-con-full e-flex e-con e-child\" data-id=\"c3bf07\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-78d834d6 e-flex e-con-boxed e-con e-child\" data-id=\"78d834d6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ccfb3f2 elementor-widget elementor-widget-heading\" data-id=\"7ccfb3f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Financiaci\u00f3n para empresas<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4ea978 elementor-widget elementor-widget-heading\" data-id=\"a4ea978\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La financiaci\u00f3n inteligente que tu negocio necesita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a27bf7 elementor-widget elementor-widget-text-editor\" data-id=\"23a27bf7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gracias a nuestras colaboraciones con servicios financieros de terceros, hemos ampliado nuestros servicios para ofrecerte opciones de financiaci\u00f3n alternativa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8d2d2d elementor-widget elementor-widget-button\" data-id=\"e8d2d2d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/finanedi.es\/servicios-financieros\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">M\u00e1s informaci\u00f3n<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aea3e96 e-con-full e-flex e-con e-child\" data-id=\"3aea3e96\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b4b0b1a elementor-widget elementor-widget-image\" data-id=\"7b4b0b1a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/elementor\/thumbs\/reducir-WACC-qxc6iwja37bz4b5ythy3u8moxeu5l81fee3mww63p4.jpg\" title=\"Reducir WACC\" alt=\"Estrategias para reducir el WACC\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46c808e e-flex e-con-boxed e-con e-parent\" data-id=\"46c808e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0764252 elementor-widget elementor-widget-spacer\" data-id=\"0764252\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb53a76 e-flex e-con-boxed e-con e-parent\" data-id=\"eb53a76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1729ae elementor-widget elementor-widget-text-editor\" data-id=\"c1729ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5563\" data-end=\"5781\">El tejido empresarial espa\u00f1ol, formado en m\u00e1s de un 95 % por pymes y aut\u00f3nomos, necesita liquidez r\u00e1pida y adaptada a su realidad. El cr\u00e9dito bancario, con sus exigencias y plazos largos, ya no es la \u00fanica respuesta.<\/p><p data-start=\"5783\" data-end=\"6062\">Por eso, la financiaci\u00f3n alternativa ha pasado de ser un recurso puntual a convertirse en una opci\u00f3n estrat\u00e9gica. Factoring, confirming y descuento de pagar\u00e9s son hoy herramientas fundamentales para que las pymes puedan crecer, competir y mantener su tesorer\u00eda saneada.<\/p><p data-start=\"6064\" data-end=\"6212\">En un entorno econ\u00f3mico cambiante, aquellas empresas que sepan integrar estas soluciones en su d\u00eda a d\u00eda tendr\u00e1n una ventaja competitiva decisiva.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10247835 e-flex e-con-boxed e-con e-parent\" data-id=\"10247835\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3b807200 e-flex e-con-boxed e-con e-child\" data-id=\"3b807200\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fbfcad6 elementor-widget elementor-widget-heading\" data-id=\"1fbfcad6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bd45fdc e-flex e-con-boxed e-con e-child\" data-id=\"2bd45fdc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-503b1292 elementor-widget elementor-widget-heading\" data-id=\"503b1292\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 diferencia hay entre factoring y confirming?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d6da91b elementor-widget elementor-widget-text-editor\" data-id=\"6d6da91b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El <strong data-start=\"388\" data-end=\"401\">factoring<\/strong> permite a una empresa cobrar por adelantado las facturas emitidas a sus clientes. El <strong data-start=\"487\" data-end=\"501\">confirming<\/strong>, en cambio, se centra en los proveedores: la empresa ofrece la posibilidad de que sus proveedores adelanten el cobro de sus facturas gracias a una entidad financiera.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f89908a e-flex e-con-boxed e-con e-child\" data-id=\"7f89908a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62ad0447 elementor-widget elementor-widget-heading\" data-id=\"62ad0447\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 empresas pueden acceder al factoring o al descuento de pagar\u00e9s?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1c2f71 elementor-widget elementor-widget-text-editor\" data-id=\"2f1c2f71\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cualquier <strong data-start=\"765\" data-end=\"793\">pyme, aut\u00f3nomo o empresa<\/strong> que trabaje con facturas a clientes o reciba pagar\u00e9s puede recurrir a estas soluciones. Son especialmente \u00fatiles para negocios que venden a grandes compa\u00f1\u00edas o a la Administraci\u00f3n, donde los plazos de pago suelen ser largos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2482bf5f e-flex e-con-boxed e-con e-child\" data-id=\"2482bf5f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12818dd3 elementor-widget elementor-widget-heading\" data-id=\"12818dd3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfEl factoring y el descuento de pagar\u00e9s cuentan como endeudamiento?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-276509e9 elementor-widget elementor-widget-text-editor\" data-id=\"276509e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Generalmente, <strong data-start=\"1118\" data-end=\"1153\">no se consideran deuda bancaria<\/strong>, ya que se apoyan en documentos comerciales reales (facturas o pagar\u00e9s). Esto los hace atractivos para empresas que quieren mejorar su liquidez sin aumentar su endeudamiento financiero.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f7e806c e-flex e-con-boxed e-con e-child\" data-id=\"5f7e806c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa57fed elementor-widget elementor-widget-heading\" data-id=\"3aa57fed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta usar financiaci\u00f3n alternativa?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d2b2754 elementor-widget elementor-widget-text-editor\" data-id=\"7d2b2754\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El coste var\u00eda seg\u00fan la entidad y el riesgo del cliente final. Normalmente se paga una <strong data-start=\"1490\" data-end=\"1502\">comisi\u00f3n<\/strong> y unos <strong data-start=\"1510\" data-end=\"1523\">intereses<\/strong> por el tiempo adelantado. Aunque puede ser m\u00e1s caro que un pr\u00e9stamo, muchas empresas lo prefieren por la rapidez y la ausencia de avales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18d564b e-flex e-con-boxed e-con e-child\" data-id=\"18d564b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f69388f elementor-widget elementor-widget-heading\" data-id=\"f69388f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 la financiaci\u00f3n alternativa est\u00e1 creciendo frente al cr\u00e9dito bancario tradicional?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab977a8 elementor-widget elementor-widget-text-editor\" data-id=\"ab977a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Porque ofrece <strong data-start=\"1785\" data-end=\"1830\">agilidad, flexibilidad y menor burocracia<\/strong>. Mientras que un cr\u00e9dito bancario puede tardar semanas en aprobarse, el factoring o el descuento de pagar\u00e9s permiten disponer del dinero en horas o pocos d\u00edas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66f797b9 e-flex e-con-boxed e-con e-parent\" data-id=\"66f797b9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4dd476bb e-con-full e-flex e-con e-child\" data-id=\"4dd476bb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e443546 elementor-widget elementor-widget-spacer\" data-id=\"3e443546\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60a97bc4 e-con-full e-flex e-con e-child\" data-id=\"60a97bc4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b17b67a elementor-widget elementor-widget-heading\" data-id=\"6b17b67a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">No te pierdas...<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67af577 e-con-full e-flex e-con e-child\" data-id=\"67af577\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-697383f8 elementor-widget elementor-widget-katen-post-five\" data-id=\"697383f8\" data-element_type=\"widget\" data-widget_type=\"katen-post-five.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"padding-30 rounded bordered\">\n\n\t\t\t<div class=\"row infinite-wrapper\">\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/bootstrapping\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/02\/bootstrapping-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"\u00bfQu\u00e9 es el bootstrapping y por qu\u00e9 es clave para los emprendedores?\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/bootstrapping\/\">Bootstrapping: La estrategia de financiaci\u00f3n que impulsa a las pymes<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\t\u00bfQu\u00e9 es el bootstrapping? El bootstrapping es una estrategia de financiaci\u00f3n en la que un&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/financiacion-empresas-opciones-y-beneficios\/\"><img decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/financiacion-empresas-2-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Financiaci\u00f3n para empresas\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/financiacion-empresas-opciones-y-beneficios\/\">Financiaci\u00f3n para empresas: Opciones y beneficios<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tFinanciaci\u00f3n para empresas: Opciones y beneficios La financiaci\u00f3n es el motor que impulsa a las&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/que-son-los-fondos-next-generation-eu\/\"><img decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/07\/next_gen_eu_logo_210611_360_2403-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Logo next gen ue\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/que-son-los-fondos-next-generation-eu\/\">Fondos Next Generation EU: Impulso para la recuperaci\u00f3n y el crecimiento sostenible<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tLos fondos Next Generation EU se han convertido en un pilar fundamental para la recuperaci\u00f3n&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/factoring-sin-recurso-que-es\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/05\/Factoring-sin-recurso-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Factoring sin recurso\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/factoring-sin-recurso-que-es\/\">\u00bfQu\u00e9 es el factoring sin recurso y c\u00f3mo puede ayudar a tu empresa?<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\t\u00bfQu\u00e9 es el factoring sin recurso y c\u00f3mo puede ayudar a tu empresa? La financiaci\u00f3n&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Durante d\u00e9cadas, el cr\u00e9dito bancario fue pr\u00e1cticamente la \u00fanica v\u00eda de financiaci\u00f3n para pymes y aut\u00f3nomos en Espa\u00f1a. Sin embargo, en los \u00faltimos a\u00f1os ha surgido un cambio de paradigma: cada vez m\u00e1s empresas recurren a financiaci\u00f3n alternativa para obtener liquidez de manera \u00e1gil y flexible. Productos como el factoring, el confirming o el descuento de pagar\u00e9s se est\u00e1n consolidando como soluciones m\u00e1s r\u00e1pidas, adaptadas a las necesidades reales del tejido empresarial.<\/p>\n","protected":false},"author":3,"featured_media":11669,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[44],"tags":[86],"class_list":["post-11662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas","tag-financiacion-empresa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Por qu\u00e9 la financiaci\u00f3n alternativa crece frente al cr\u00e9dito bancario<\/title>\n<meta name=\"description\" content=\"Descubre c\u00f3mo factoring, confirming y descuento de pagar\u00e9s impulsan la financiaci\u00f3n alternativa para pymes en Espa\u00f1a.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finanedi.es\/blog\/por-que-la-financiacion-alternativa-crece-frente-al-credito-bancario\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Por qu\u00e9 la financiaci\u00f3n alternativa crece frente al cr\u00e9dito bancario\" \/>\n<meta property=\"og:description\" content=\"Descubre c\u00f3mo factoring, confirming y descuento de pagar\u00e9s impulsan la financiaci\u00f3n alternativa para pymes en Espa\u00f1a.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/finanedi.es\/blog\/por-que-la-financiacion-alternativa-crece-frente-al-credito-bancario\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog para pymes y aut\u00f3nomos - 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