{"id":3116,"date":"2019-09-01T09:43:16","date_gmt":"2019-09-01T14:43:16","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=3116"},"modified":"2026-06-23T01:53:22","modified_gmt":"2026-06-23T01:53:22","slug":"como-calificar-para-prestamos-para-pequenas-empresas","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/09\/how-to-qualify-for-small-business-loans\/","title":{"rendered":"C\u00f3mo calificar para pr\u00e9stamos para peque\u00f1as empresas"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Si planeas agregar a los peque\u00f1os negocios existentes en los Estados Unidos, que, <\/span><a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/advocacy\/All_States.pdf\"><span style=\"font-weight: 400;\">seg\u00fan la Administraci\u00f3n de Peque\u00f1as Empresas de EE. UU.<\/span><\/a><span style=\"font-weight: 400;\"> (SBA), ha crecido hasta alcanzar los 30 millones, necesitas tener tu capital listo. El \u00cdndice de Peque\u00f1as Empresas de Wells Fargo sugiere que se necesita un promedio de $10,000 para iniciar un negocio. Por otro lado, si ya eres due\u00f1o de una peque\u00f1a empresa, necesitas fondos para investigaci\u00f3n y desarrollo, expansi\u00f3n o la contrataci\u00f3n de nuevo personal. En cualquier caso, un pr\u00e9stamo para peque\u00f1as empresas puede resultarte atractivo. Si te est\u00e1s preguntando <\/span><span style=\"font-weight: 400;\">C\u00f3mo calificar para un pr\u00e9stamo para peque\u00f1as empresas<\/span><span style=\"font-weight: 400;\">, tenemos las respuestas.<\/span><\/p>\n<h2><\/h2>\n<h2><span style=\"font-weight: 400;\">\u00bfQui\u00e9n ofrece pr\u00e9stamos para peque\u00f1as empresas?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tanto los prestamistas tradicionales como los alternativos ofrecen pr\u00e9stamos para peque\u00f1as empresas. En la mayor\u00eda de los casos, primero debes considerar trabajar con prestamistas respaldados por la SBA. A menudo ofrecen condiciones de pago generosas y tasas de inter\u00e9s razonables. Es probable que los bancos peque\u00f1os sean m\u00e1s \u00fatiles para las peque\u00f1as empresas que los grandes bancos, que prefieren trabajar con clientes m\u00e1s grandes. Optar por un banco grande podr\u00eda ser una buena opci\u00f3n si quieres solicitar un pr\u00e9stamo de m\u00e1s de $1 mill\u00f3n. Los prestamistas alternativos, como los que puedes encontrar tras una b\u00fasqueda r\u00e1pida en Internet, pueden ofrecer tasas de inter\u00e9s m\u00e1s altas, pero es posible que tengan requisitos menos estrictos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Puede ser abrumador revisar todas estas opciones e informaci\u00f3n sobre pr\u00e9stamos para peque\u00f1as empresas, as\u00ed que vayamos paso a paso. En este art\u00edculo, hablaremos sobre <\/span><span style=\"font-weight: 400;\">C\u00f3mo calificar para un pr\u00e9stamo para peque\u00f1as empresas<\/span><span style=\"font-weight: 400;\"> para que puedas poner en marcha tus nuevos proyectos empresariales o planes de expansi\u00f3n comercial.<\/span><\/p>\n<h2><\/h2>\n<h2><span style=\"font-weight: 400;\">C\u00f3mo calificar para un pr\u00e9stamo comercial<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aqu\u00ed tienes un resumen de la <\/span><span style=\"font-weight: 400;\">requisitos para pr\u00e9stamos para peque\u00f1as empresas<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><\/h3>\n<h3><span style=\"font-weight: 400;\">Puntaje de cr\u00e9dito<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Un prestamista para peque\u00f1as empresas revisar\u00e1 tus datos personales y de tu negocio <\/span><a href=\"https:\/\/payment1.com\/es\/2019\/01\/11\/que-saber-sobre-el-puntaje-de-credito\/\"><span style=\"font-weight: 400;\">puntajes de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\"> para ver c\u00f3mo t\u00fa <\/span><a href=\"https:\/\/payment1.com\/es\/2019\/03\/15\/se-puede-usar-la-deuda-para-crear-riqueza\/\"><span style=\"font-weight: 400;\">administrar deudas<\/span><\/a><span style=\"font-weight: 400;\">. Las puntuaciones de cr\u00e9dito personal var\u00edan de 300 a 850 seg\u00fan las deudas personales como <\/span><a href=\"https:\/\/payment1.com\/es\/2019\/07\/07\/como-mejorar-tu-historial-crediticio-usando-tu-tarjeta-de-credito\/\"><span style=\"font-weight: 400;\">tarjetas de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\">, hipotecas y pr\u00e9stamos para autom\u00f3viles. Las empresas m\u00e1s establecidas pueden consultar su puntaje de cr\u00e9dito en tres agencias de cr\u00e9dito: Experian, Equifax y Dun &amp; Bradstreet. Los puntajes de cr\u00e9dito comercial var\u00edan de 0 a 100. Para calificar para un pr\u00e9stamo de la SBA o un pr\u00e9stamo tradicional de un banco, se espera que muestre excelentes puntajes de cr\u00e9dito personal y comercial. Los prestamistas en l\u00ednea pueden ser un poco m\u00e1s flexibles en los requisitos del puntaje de cr\u00e9dito y pueden dar mayor \u00e9nfasis al flujo de efectivo y al historial comercial.<\/span><\/p>\n<h3><\/h3>\n<h3><span style=\"font-weight: 400;\">Documentos legales y financieros<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Obtener un pr\u00e9stamo puede llevar tiempo debido a la amplia gama de documentos que exigen los prestamistas. Si necesitas dinero r\u00e1pido, considera trabajar con prestamistas en l\u00ednea. Ellos tienen un proceso m\u00e1s agilizado con menos requisitos de documentaci\u00f3n. Sin embargo, los bancos y otros prestamistas tradicionales suelen requerir documentos legales y financieros. As\u00ed que es mejor estar preparado con estos documentos antes de comenzar tu b\u00fasqueda de prestamistas para peque\u00f1as empresas para ahorrar tiempo.\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Arrendamientos comerciales<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Licencias comerciales<\/span><span style=\"font-weight: 400;\"> y permisos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Estados de cuenta bancarios personales y comerciales y declaraciones del impuesto sobre la renta<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Balance general y estado de resultados<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Registros de n\u00f3mina<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 P\u00f3lizas y planes de seguros empresariales<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Propiedades y detalles sobre afiliaciones<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Contratos y acuerdos legales<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Una fotocopia de tu licencia de conducir<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Art\u00edculos de incorporaci\u00f3n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Un curr\u00edculum que muestre experiencia relevante en gesti\u00f3n o negocios<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2013 Si tienes un historial operativo limitado, es posible que se requieran proyecciones financieras<\/span><\/li>\n<\/ul>\n<h3><\/h3>\n<h3><span style=\"font-weight: 400;\">Plan de negocios<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Los prestamistas exigen un plan de negocios s\u00f3lido que incluya el prop\u00f3sito del pr\u00e9stamo y la intenci\u00f3n de c\u00f3mo aumentar\u00e1 sus ganancias. Adem\u00e1s, quieren ver c\u00f3mo utilizar\u00e1 el dinero y si podr\u00e1 saldar la deuda. Por lo tanto, su plan de negocios debe infundir confianza en su prestamista, incluyendo finanzas actuales y proyectadas que demuestren que tendr\u00e1 suficiente para las operaciones continuas y el pago del pr\u00e9stamo.\u00a0<\/span><\/p>\n<h3><\/h3>\n<h3><span style=\"font-weight: 400;\">Ingresos anuales<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de los prestamistas requieren que tu negocio tenga al menos dos a\u00f1os de existencia para calificar para un pr\u00e9stamo para peque\u00f1as empresas. Adem\u00e1s, tambi\u00e9n examinar\u00e1n de cerca c\u00f3mo ha crecido tu negocio. Puedes mostrar las tendencias de tus ventas y flujo de caja a trav\u00e9s de estados financieros mensuales precisos de los \u00faltimos dos a\u00f1os. Examinar\u00e1n m\u00e9tricas espec\u00edficas como tu \u00edndice de cobertura de servicio de deuda o el ingreso neto anual de tu negocio en comparaci\u00f3n con tu deuda anual. Tu ingreso operativo anual es la ganancia de tu negocio antes de intereses, impuestos, deducciones y amortizaci\u00f3n, tambi\u00e9n conocido como EBITDA. Para determinar tu \u00edndice de cobertura de servicio de deuda (DSCR, por sus siglas en ingl\u00e9s), divide tu EBITDA por tu deuda anual total. Los prestamistas var\u00edan en sus requisitos de DSCR. Para calificar para pr\u00e9stamos SBA en los EE. UU., tu negocio debe tener un DSCR de al menos 1.15.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los prestamistas tambi\u00e9n revisar\u00e1n las transacciones bancarias y las cotejar\u00e1n con los flujos de efectivo reflejados en sus estados financieros. Pero, de nuevo, tenga en cuenta que est\u00e1n m\u00e1s interesados en el crecimiento del flujo de efectivo que en los ingresos.<\/span><\/p>\n<h3><\/h3>\n<h3><span style=\"font-weight: 400;\">Garant\u00eda<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Probablemente tendr\u00e1s que presentar una garant\u00eda para poder acceder a un pr\u00e9stamo para peque\u00f1as empresas. Se puede utilizar como garant\u00eda un activo, como equipo, inventario o bienes inmuebles. Los pr\u00e9stamos de la SBA exigen una garant\u00eda para todos los pr\u00e9stamos, adem\u00e1s de una garant\u00eda personal de un propietario de la empresa que posea al menos el 20% de la propiedad. Ten en cuenta que una garant\u00eda personal pone en riesgo tu calificaci\u00f3n crediticia y tus activos personales. Algunos prestamistas en l\u00ednea no exigen garant\u00eda, pero s\u00ed solicitan una garant\u00eda personal. Adem\u00e1s, algunos pueden establecer un gravamen general sobre los activos de tu empresa, lo que significa que se les otorga el derecho a embargar activos de la empresa, como equipo, inventario y bienes inmuebles, si no se paga la deuda. Si esto no te parece una buena idea, considera solicitar un pr\u00e9stamo empresarial sin garant\u00eda.<\/span><\/p>\n<h3><\/h3>\n<h3><span style=\"font-weight: 400;\">Industria<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Los prestamistas consideran la industria en la que se encuentra su negocio al decidir si usted califica para un pr\u00e9stamo para peque\u00f1as empresas. Algunos prestamistas se alejan de sectores que consideran demasiado arriesgados, como el juego, la mariguana y el entretenimiento para adultos.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tambi\u00e9n desconf\u00edan de las industrias que consideran que tienen flujos de efectivo anuales inestables, como las industrias de temporada. Por ejemplo, a los campos de golf, los camiones de helados y las empresas de paisajismo les puede resultar dif\u00edcil obtener pr\u00e9stamos comerciales debido a los altibajos de las ventas a lo largo del a\u00f1o.\u00a0<\/span><\/p>\n<h2><\/h2>\n<h2><span style=\"font-weight: 400;\">Otros tipos de pr\u00e9stamos\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Adem\u00e1s de los pr\u00e9stamos para peque\u00f1as empresas, existen otros tipos de pr\u00e9stamos que puedes considerar.<\/span><\/p>\n<ul>\n<li><b>\u2013 Pr\u00e9stamos de equipo. <\/b><span style=\"font-weight: 400;\">Estos pr\u00e9stamos te ayudan a adquirir activos f\u00edsicos, ya sea maquinaria pesada o electrodom\u00e9sticos necesarios para operaciones diarias.<\/span><\/li>\n<li><b>\u2013 Pr\u00e9stamos de capital de trabajo<\/b><span style=\"font-weight: 400;\">. Estos pr\u00e9stamos te ayudan a pagar gastos diarios del negocio, como los salarios de los empleados. Pueden ser \u00fatiles en caso de ca\u00eddas repentinas en las ganancias.<\/span><\/li>\n<li><b>Una l\u00ednea de cr\u00e9dito para negocios<\/b><span style=\"font-weight: 400;\">. Te permite pedir prestada una cierta cantidad de dinero y solo pagas por el inter\u00e9s que utilizas.<\/span><\/li>\n<li><b>Pr\u00e9stamos entre particulares<\/b><span style=\"font-weight: 400;\">. Te permite obtener pr\u00e9stamos de un grupo de inversionistas. Es una plataforma relativamente nueva y generalmente se hace en l\u00ednea.<\/span><\/li>\n<\/ul>\n<h2><\/h2>\n<h2><span style=\"font-weight: 400;\">\u00bfC\u00f3mo pueden los nuevos propietarios de peque\u00f1as empresas obtener un pr\u00e9stamo?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Con un plan de negocios s\u00f3lido y detallado, un buen puntaje de cr\u00e9dito personal y garant\u00edas, los principiantes pueden calificar para pr\u00e9stamos para peque\u00f1as empresas. Con el tiempo, a medida que su negocio crezca y se establezca, podr\u00e1 solicitar pr\u00e9stamos comerciales m\u00e1s r\u00e1pidamente y obtener mejores condiciones.<\/span><\/p>\n<h2><\/h2>\n<h2><span style=\"font-weight: 400;\">En resumen<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Cada prestamista var\u00eda en sus requisitos y ofertas, por lo que es esencial tomarse el tiempo de investigar cada opci\u00f3n y compararlas. Sin embargo, los requisitos que se enumeran a continuaci\u00f3n son los que los prestamistas suelen requerir y revisar. <\/span><span style=\"font-weight: 400;\">Ahora que sabes <\/span><span style=\"font-weight: 400;\">C\u00f3mo calificar para un pr\u00e9stamo para peque\u00f1as empresas<\/span><span style=\"font-weight: 400;\">, tu b\u00fasqueda arranca.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pedir un pr\u00e9stamo es una decisi\u00f3n que requiere una cuidadosa consideraci\u00f3n. <\/span><a href=\"https:\/\/payment1.com\/es\/\"><span style=\"font-weight: 400;\">Pago1<\/span><\/a><span style=\"font-weight: 400;\">\u2019El equipo de expertos en pr\u00e9stamos de [nombre de la empresa] puede ayudarte a revisar tus opciones y a crear planes de pago que te permitan liquidar tu deuda c\u00f3modamente. <\/span><a href=\"https:\/\/payment1.com\/es\/contact-us\/\"><span style=\"font-weight: 400;\">Cont\u00e1ctanos ahora<\/span><\/a><span style=\"font-weight: 400;\"> para empezar.<\/span><\/p>\n<p><a href=\"https:\/\/www.freepik.com\/free-photo\/young-manager-girl-changing-sign-from-closed-open-sign-door-cafe-looking-outside-waiting-clients-after-lockdown_15114721.htm#query=small%20business&amp;position=1&amp;from_view=search&amp;track=sph\">Imagen de tirachardz<\/a> en Freepik<\/p>","protected":false},"excerpt":{"rendered":"<p>If you plan to add to the existing small businesses in the United States, which, according to the US Small Business Administration (SBA), has grown to 30 million, you need your capital ready. The Wells Fargo Small Business Index suggests that an average of $10,000 is what you need to start a business. On the [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":49186,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38],"tags":[107,113,104],"class_list":["post-3116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-promotions","tag-credit-scores","tag-financial-education","tag-personal-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Qualify for Small Business Loans - Payment 1<\/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:\/\/payment1.com\/es\/2019\/09\/como-calificar-para-prestamos-para-pequenas-empresas\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Qualify for Small Business Loans - Payment 1\" \/>\n<meta property=\"og:description\" content=\"If you plan to add to the existing small businesses in the United States, which, according to the US Small Business Administration (SBA), has grown to 30 million, you need your capital ready. The Wells Fargo Small Business Index suggests that an average of $10,000 is what you need to start a business. On the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/payment1.com\/es\/2019\/09\/como-calificar-para-prestamos-para-pequenas-empresas\/\" \/>\n<meta property=\"og:site_name\" content=\"Payment 1\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Payment1Financial\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-01T14:43:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-23T01:53:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/payment1.com\/wp-content\/uploads\/2019\/09\/young-manager-girl-changing-sign-from-closed-open-sign-door-cafe-looking-outside-waiting-clients-after-lockdown-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bendon Gaddy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bendon Gaddy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/09\\\/how-to-qualify-for-small-business-loans\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/09\\\/how-to-qualify-for-small-business-loans\\\/\"},\"author\":{\"name\":\"Bendon Gaddy\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#\\\/schema\\\/person\\\/50f1639f35a81c60bcfce25db2cae621\"},\"headline\":\"How to Qualify for Small Business Loans\",\"datePublished\":\"2019-09-01T14:43:16+00:00\",\"dateModified\":\"2026-06-23T01:53:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/09\\\/how-to-qualify-for-small-business-loans\\\/\"},\"wordCount\":1251,\"publisher\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/09\\\/how-to-qualify-for-small-business-loans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2019\\\/09\\\/young-manager-girl-changing-sign-from-closed-open-sign-door-cafe-looking-outside-waiting-clients-after-lockdown-scaled-1.jpg\",\"keywords\":[\"Credit Scores\",\"Financial Education\",\"Personal Loans\"],\"articleSection\":[\"Promotions\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/09\\\/how-to-qualify-for-small-business-loans\\\/\",\"url\":\"https:\\\/\\\/payment1.com\\\/2019\\\/09\\\/how-to-qualify-for-small-business-loans\\\/\",\"name\":\"How to Qualify for Small Business Loans - 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