{"id":1566,"date":"2023-09-07T11:52:00","date_gmt":"2023-09-07T10:52:00","guid":{"rendered":"https:\/\/storfund.com\/?p=1566"},"modified":"2026-01-28T13:57:32","modified_gmt":"2026-01-28T13:57:32","slug":"working-capital-options","status":"publish","type":"post","link":"https:\/\/storfund.com\/es\/working-capital-options\/","title":{"rendered":"Opciones de capital de trabajo en una crisis econ\u00f3mica"},"content":{"rendered":"<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>La situaci\u00f3n econ\u00f3mica a la que se enfrentan Europa y Estados Unidos en 2023 es muy diferente a la que hac\u00edan frente hace apenas un a\u00f1o. Occidente est\u00e1 inmerso en una crisis del coste de vida mientras la inflaci\u00f3n sigue disparada y los tipos de inter\u00e9s no dejan de subir.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Una de las industrias que m\u00e1s lo ha sufrido es la del e-commerce y el impacto es triple: los consumidores han reducido su gasto, los marketplaces han incrementado sus comisiones y los pr\u00e9stamos son ahora m\u00e1s caros que nunca. A pesar de todo, los negocios siguen necesitando capital para crecer. Seg\u00fan un estudio del British Business Bank, en 2022,&nbsp;<a href=\"https:\/\/www.british-business-bank.co.uk\/wp-content\/uploads\/2023\/02\/J0222_BBB_SMEFinanceSurveyReport_2022_V3.pdf\">el 61% de las empresas brit\u00e1nicas con una facturaci\u00f3n de entre 50 000 \u00a3 y 250 000 \u00a3 solicitaron financiaci\u00f3n<\/a>&nbsp;para obtener liquidez.&nbsp;<\/p>\n\n\n\n<p>En este nuevo contexto econ\u00f3mico, es, pues, fundamental conocer qu\u00e9 opciones de financiaci\u00f3n hay disponibles en el sector e-commerce, especialmente si tu negocio est\u00e1 en pleno proceso de expansi\u00f3n.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u00bfEn qu\u00e9 basas tus decisiones financieras?<\/h4>\n\n\n\n<p>En primer lugar, piensa en qu\u00e9 basas tus decisiones financieras y qu\u00e9 es lo que quieres conseguir. \u00bfNecesitas mejorar tu flujo de caja para comprar m\u00e1s inventario, invertir en m\u00e1s personal o nuevos productos, o reforzar tu estrategia de marketing? Aseg\u00farate de que tus planes de crecimiento sean realistas y que las cifras encajen. Para ello, estudia cu\u00e1nto te costar\u00e1 cada l\u00ednea de financiaci\u00f3n (consulta nuestra tabla m\u00e1s adelante). Esto \u00faltimo es especialmente importante dado que pedir dinero prestado es mucho m\u00e1s caro ahora de lo que lo era hace 12 meses. Haz simulaciones de flujo de caja para ver qu\u00e9 impacto tendr\u00eda en tu negocio y realiza pruebas de resistencia para conocer cu\u00e1l ser\u00eda el peor escenario posible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u00bfQu\u00e9 tipo de financiaci\u00f3n encaja mejor con tu perfil?<\/h4>\n\n\n\n<p>Si bien es cierto que la oferta de productos financieros ha disminuido en los \u00faltimos 12-18 meses, despu\u00e9s de que las entidades crediticias hayan endurecido sus condiciones ante un panorama incierto, tambi\u00e9n lo es que sigue habiendo opciones disponibles. A continuaci\u00f3n te presentamos algunas de las opciones de financiaci\u00f3n a las que puedes recurrir para tu negocio, as\u00ed como sus ventajas y desventajas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Financiaci\u00f3n basada en los ingresos<\/h4>\n\n\n\n<p>La tambi\u00e9n conocida como financiaci\u00f3n del fondo de maniobra es un tipo de pr\u00e9stamo que se paga directamente al prestamista usando los ingresos futuros de tus ventas en el marketplace. Suelen estar anclados a un plan de amortizaci\u00f3n de varios a\u00f1os, pero ofrecen cierta flexibilidad en los pagos.<\/p>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Te permite recibir una cantidad fija anticipada en funci\u00f3n de tus ingresos futuros sin necesidad de presentar ning\u00fan informe crediticio.<\/li>\n<\/ul>\n\n\n\n<p><strong>Contras:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Est\u00e1 basado en tus ingresos mensuales, no en tus ventas diarias, lo que puede provocar que acabes pidiendo prestado m\u00e1s o menos capital del que necesitas.<\/li>\n\n\n\n<li>Al igual que un pr\u00e9stamo tradicional, los productos de financiaci\u00f3n basados en los ingresos cuentan como deuda en tu balance general.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Pr\u00e9stamo tradicional<\/h4>\n\n\n\n<p>Un pr\u00e9stamo est\u00e1ndar permite a tu empresa tomar prestada una cantidad determinada a plazo fijo con amortizaciones regulares. Un pr\u00e9stamo de tipo fijo costar\u00e1 siempre lo mismo durante todo el plazo del pr\u00e9stamo, mientras que el coste de uno de tipo variable cambiar\u00e1 dependiendo de un \u00edndice de referencia como es el tipo b\u00e1sico del Banco de Espa\u00f1a. Puedes optar por un pr\u00e9stamo garantizado o uno no garantizado, aunque el primero exige aportar una propiedad, equipo u otros activos a modo de aval que pueden ser requisados si no cumples con los pagos. Dado que los pr\u00e9stamos garantizados representan un menor riesgo para el prestamista, estos suelen tener una tasa de inter\u00e9s m\u00e1s baja.&nbsp;<\/p>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sujeto a un plazo fijo y a un tipo de inter\u00e9s determinado, por lo que siempre sabes cu\u00e1nto recibes y cu\u00e1nto tienes que pagar.<\/li>\n\n\n\n<li>Puedes elegir la cuota o el plazo de amortizaci\u00f3n que m\u00e1s te interese.<\/li>\n\n\n\n<li>Algunos acreedores ofrecen tipos de inter\u00e9s razonables si tu empresa cumple con sus requisitos de pr\u00e9stamo.<\/li>\n<\/ul>\n\n\n\n<p><strong>Contras:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Al tratarse de una cantidad fija, puede que acabes recibiendo un importe por encima o por debajo del que realmente necesitas.<\/li>\n\n\n\n<li>La mayor\u00eda de bancos no entienden la industria e-commerce. Sus criterios dependen en gran medida de las calificaciones crediticias y otros factores que poco tienen que ver con las din\u00e1micas del sector e-commerce.<\/li>\n\n\n\n<li>Tendr\u00e1s que superar un test de solvencia.<\/li>\n\n\n\n<li>Un pr\u00e9stamo a\u00f1ade otro pasivo a tu balance general.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Comparativa de costes de diferentes opciones de financiaci\u00f3n<\/h4>\n\n\n\n<figure class=\"wp-block-table highlight-col-2\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#aee3d5\"><thead><tr><th><\/th><th>Storfund<\/th><th>Financiaci\u00f3n basada en los ingresos<\/th><th>Pr\u00e9stamo tradicional<\/th><th>Tarjeta de cr\u00e9dito<\/th><\/tr><\/thead><tbody><tr><td><strong>Tipo de financiaci\u00f3n<\/strong><\/td><td>80 % de tus ventas netas diarias<\/td><td>Cantidad fija basada en una predicci\u00f3n de tus ventas futuras<\/td><td>Cantidad fija en un plazo determinado<\/td><td>L\u00edmite de cr\u00e9dito renovable<\/td><\/tr><tr><td><strong>\u00bfPago autom\u00e1tico a trav\u00e9s del marketplace?<\/strong><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1638\" style=\"width: 37px; text-align: center;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-white-1.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1643\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-1.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1645\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1645\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no.svg\" alt=\"\"><\/td><\/tr><tr><td><strong>Tipo de contrato<\/strong><\/td><td>Flexible<\/td><td>Duraci\u00f3n fija<\/td><td>Duraci\u00f3n fija<\/td><td>Duraci\u00f3n fija<\/td><\/tr><tr><td><strong>Coste del servicio<\/strong><\/td><td>Un porcentaje fijo de tus ventas netas. Y nada m\u00e1s<\/td><td>Un porcentaje fijo de tus ventas netas + comisiones<\/td><td>Inter\u00e9s + penalizaci\u00f3n por retrasos o amortizaci\u00f3n anticipada<\/td><td>Inter\u00e9s + penalizaci\u00f3n por retrasos o amortizaci\u00f3n anticipada<\/td><\/tr><tr><td><strong>Inter\u00e9s<\/strong><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1641\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no-white.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1645\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1643\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-1.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1643\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-1.svg\" alt=\"\"><\/td><\/tr><tr><td><strong>Deuda en el balance general<\/strong><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1641\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no-white.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1643\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-1.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1643\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-1.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1643\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-1.svg\" alt=\"\"><\/td><\/tr><tr><td><strong>Periodo de prueba<\/strong><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1638\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2024\/08\/si-white-1.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1645\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1645\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no.svg\" alt=\"\"><\/td><td><img loading=\"lazy\" decoding=\"async\" width=\"37\" height=\"37\" class=\"wp-image-1645\" style=\"width: 37px;\" src=\"https:\/\/storfund.com\/wp-content\/uploads\/2023\/09\/no.svg\" alt=\"\"><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Tarjeta de cr\u00e9dito<\/h4>\n\n\n\n<p>Con una tarjeta de cr\u00e9dito de empresa, tienes flexibilidad para hacer compras hasta un l\u00edmite determinado y devolver todo o parte de lo prestado en un pago aplazado. Seg\u00fan una encuesta sobre capacidad de financiaci\u00f3n elaborada por el British Business Bank en 2022, el&nbsp;<a href=\"https:\/\/www.british-business-bank.co.uk\/wp-content\/uploads\/2023\/02\/J0222_BBB_SMEFinanceSurveyReport_2022_V3.pdf\">12 % de las pymes afirman haber recurrido a las tarjetas de cr\u00e9dito para financiarse en los \u00faltimos a\u00f1os, comparado con el 10 % que hab\u00eda optado por los pr\u00e9stamos bancarios.<\/a><\/p>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Te permite comprar stock y pagar gastos a corto plazo para mejorar tu flujo de caja.&nbsp;<\/li>\n\n\n\n<li>Algunas tarjetas ofrecen incentivos como puntos de fidelidad o \u2018cashback\u2019.<\/li>\n<\/ul>\n\n\n\n<p><strong>Contras:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Puede ser una forma cara de pedir dinero prestado si no lo devuelves \u00edntegramente cada mes.<\/li>\n\n\n\n<li>Cualquier saldo pendiente contar\u00e1 como un pasivo en tu balance general.&nbsp;<\/li>\n\n\n\n<li>Se har\u00e1 un an\u00e1lisis de tu solvencia y es posible que el l\u00edmite de cr\u00e9dito concedido no sea suficiente.<\/li>\n\n\n\n<li>Se te cobrar\u00e1 una comisi\u00f3n anual.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Storfund: Pagos inmediatos por tus ventas del marketplace<\/h4>\n\n\n\n<p>El factoring o factoraje es un mecanismo de financiaci\u00f3n que permite a las empresas vender sus facturas pendientes de cobro a una entidad financiera a un precio reducido a cambio de un adelanto de efectivo. Y esto es exactamente lo que hacemos en Storfund. Con el factoring o la financiaci\u00f3n de facturas recibir\u00e1s el pago de tus ventas cada d\u00eda, lo que te permitir\u00e1 inyectar m\u00e1s liquidez a tu flujo de caja y&nbsp;<a href=\"\/es\/why-shorter-cash-cycles-are-better\/\">reabastecerte m\u00e1s r\u00e1pidamente<\/a>.&nbsp;<\/p>\n\n\n\n<p><strong>Pros:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La cantidad que recibes es flexible y se basa en tus ventas reales, por lo que puede ajustarse en funci\u00f3n del crecimiento de tu negocio.&nbsp;<\/li>\n\n\n\n<li>No consta como una deuda en tu balance general, lo que es especialmente importante si tienes pensado vender tu empresa e-commerce.&nbsp;<em>*Ten en cuenta que esto puede variar dependiendo del pa\u00eds en el que se encuentre tu empresa.<\/em><\/li>\n\n\n\n<li>Las amortizaciones no est\u00e1n sujetas a un plazo fijo.<\/li>\n\n\n\n<li>R\u00e1pido y flexible.<\/li>\n\n\n\n<li>Pensado y dise\u00f1ado para el sector e-commerce.<\/li>\n<\/ul>\n\n\n\n<p><strong>Contras:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La tarifa del servicio se calcula teniendo en cuenta tu volumen de ventas, por lo que puede que no sea econ\u00f3mico para peque\u00f1os vendedores.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>El servicio de factoring restar\u00e1 entre un 1,5 %-2,5 % de tus beneficios, a cambio de un aumento exponencial de tus ventas y rentabilidad total.<\/p>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>La situaci\u00f3n econ\u00f3mica a la que se enfrentan Europa y Estados Unidos en 2023 es muy diferente a la que hac\u00edan frente hace apenas un a\u00f1o.<\/p>","protected":false},"author":3,"featured_media":2596,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[115],"tags":[],"class_list":["post-1566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understand Financing Options for Ecommerce Businesses<\/title>\n<meta name=\"description\" content=\"Explore the pros and cons and understand financing options for ecommerce businesses in 2023 &amp; expand your business&#039;s potential.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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