{"id":2649,"date":"2024-01-05T10:38:37","date_gmt":"2024-01-05T15:38:37","guid":{"rendered":"https:\/\/gobmx.net\/?p=2649"},"modified":"2024-03-25T15:49:50","modified_gmt":"2024-03-25T20:49:50","slug":"credito-empresarial","status":"publish","type":"post","link":"https:\/\/gobmx.net\/credito-empresarial\/","title":{"rendered":"Cr\u00e9dito empresarial"},"content":{"rendered":"<p>El cr\u00e9dito empresarial Nafin es un programa de financiamiento que ofrece la Nacional Financiera (Nafin), una instituci\u00f3n de banca de desarrollo del gobierno federal, <strong>a las micro, peque\u00f1as y medianas empresas (Mipymes)<\/strong> mexicanas de los sectores industria, comercio y servicios.<\/p>\n<hr \/>\n<h4 style=\"text-align: center;\">\ud83d\udde3\ufe0fVisita nuestro articulo: <a href=\"https:\/\/gobmx.net\/creditos-online-mexico\/\">\u2705Creditos Online<\/a><\/h4>\n<hr \/>\n<p>El<strong> objetivo de este programa es apoyar el crecimiento y la competitividad de las Mipymes mediante el otorgamiento de cr\u00e9ditos<\/strong> con condiciones preferenciales y el respaldo de Nafin como intermediario financiero.<\/p>\n<h2>\u00bfQu\u00e9 es el cr\u00e9dito empresarial Nafin?<\/h2>\n<p>El cr\u00e9dito empresarial Nafin es un producto de financiamiento que se ofrece a trav\u00e9s de la banca comercial, con el aval de Nafin, que garantiza el pago del cr\u00e9dito en caso de incumplimiento del inquilino. El <strong>cr\u00e9dito empresarial<\/strong> Nafin se puede destinar a capital de trabajo o a activos fijos, seg\u00fan las necesidades de cada empresa. El cr\u00e9dito empresarial Nafin tiene las siguientes caracter\u00edsticas:<\/p>\n<ul>\n<li>Monto m\u00e1ximo de<strong> 20 millones de pesos por empresa<\/strong>.<\/li>\n<li>Tasa de inter\u00e9s anual conforme al destino del cr\u00e9dito, que puede ser fija o variable, y que se determina en funci\u00f3n del mercado y del perfil de riesgo de la empresa.<\/li>\n<li><strong>Plazo de hasta 5 a\u00f1os<\/strong>, con posibilidad de hasta 6 meses de gracia para el pago del capital.<\/li>\n<li>Sin comisi\u00f3n de apertura ni de prepago.<\/li>\n<li>Sin garant\u00eda hipotecaria ni prendaria, solo se requiere una garant\u00eda personal o solidaria.<\/li>\n<\/ul>\n<h2>\u00bfQui\u00e9nes pueden aplicar a este cr\u00e9dito?<\/h2>\n<p>Para aplicar al<strong> cr\u00e9dito empresarial Nafin<\/strong>, se deben cumplir los siguientes requisitos:<\/p>\n<ul>\n<li>Ser una empresa formal o persona f\u00edsica con actividad empresarial, que pertenezca a los sectores industria, comercio o servicios.<\/li>\n<li>Contar con antecedentes favorables en el bur\u00f3 de cr\u00e9dito, sin adeudos vencidos o morosos.<\/li>\n<li>Tener al menos dos a\u00f1os de antig\u00fcedad en la actividad econ\u00f3mica.<\/li>\n<li>Comprobar la suficiente generaci\u00f3n de flujos para hacer frente al financiamiento, mediante estados financieros, declaraciones fiscales o estados de cuenta bancarios.<\/li>\n<li>Presentar la documentaci\u00f3n que solicite el banco participante de su preferencia, como identificaci\u00f3n oficial, comprobante de domicilio, acta constitutiva, poderes legales, etc.<\/li>\n<\/ul>\n<h2>\u00bfC\u00f3mo obtenerlo?<\/h2>\n<p>Para obtener el cr\u00e9dito empresarial Nafin, se deben seguir los siguientes pasos:<\/p>\n<p>Seleccionar y acudir al banco de su preferencia, que est\u00e9 incorporado a este programa. Se puede consultar la lista de bancos participantes en el sitio web de Nafin.<br \/>\nLlenar la<strong> solicitud de cr\u00e9dito y entregar la documentaci\u00f3n requerida<\/strong>, que puede variar seg\u00fan el banco y el tipo de cr\u00e9dito.<\/p>\n<p>Esperar a que el banco realice la evaluaci\u00f3n de cr\u00e9dito y determine su autorizaci\u00f3n. Este proceso puede tardar desde unos d\u00edas hasta unas semanas, dependiendo de la demanda y la disponibilidad de recursos. En caso de que el cr\u00e9dito sea autorizado, formalizar el contrato correspondiente con el<strong> banco y recibir la disposici\u00f3n de los recursos.<\/strong><\/p>\n<h2>\u00bfEn d\u00f3nde tramitarlo?<\/h2>\n<p>El <strong>cr\u00e9dito empresarial Nafin<\/strong> se puede tramitar en cualquiera de los bancos que participan en este programa, que son los siguientes:<\/p>\n<ul>\n<li>Banorte<\/li>\n<li>BBVA<\/li>\n<li>Citibanamex<\/li>\n<li>HSBC<\/li>\n<li>Santander<\/li>\n<li>Autofin M\u00e9xico<\/li>\n<li>Banca Afirme<\/li>\n<li>Banco del Baj\u00edo<\/li>\n<li>Banco Famsa<\/li>\n<li>Banco Multiva<\/li>\n<li>Banregio<\/li>\n<li>Bansi<\/li>\n<li>Financiera Baj\u00edo<\/li>\n<li>Mifel<\/li>\n<li>Scotiabank<\/li>\n<\/ul>\n<div class=\"mi-caja-de-texto\">\n<div class=\"columna-izquierda\"><\/div>\n<div style=\"text-align: center;\">Conoce toda la informaci\u00f3n acerca del Cr\u00e9dito empresarial en la pagina oficial.<\/div>\n<div class=\"columna-derecha\" style=\"text-align: center;\"><a class=\"boton-vino-tinto\" href=\"https:\/\/www.nafin.com\/portalnf\/content\/acciones-para-apoyar-la-economia\/credito_empresarial.html\">Ir al Sitio Oficial<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El cr\u00e9dito empresarial Nafin es un programa de financiamiento que ofrece la Nacional Financiera (Nafin), una instituci\u00f3n de banca de desarrollo del gobierno federal, a las micro, peque\u00f1as y medianas empresas (Mipymes) mexicanas de los sectores industria, comercio y servicios. \ud83d\udde3\ufe0fVisita nuestro articulo: \u2705Creditos Online El objetivo de este programa es apoyar el crecimiento y [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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