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In the midst of an economic crisis exacerbated by social conflicts and climate factors, a businessman is still looking for opportunities to get ahead and for this he needs financing, but how to get the creditworthiness to obtain bank loans?
In accordance with Lima Chamber of CommercePeru has over 3 million enterprises8 out of 10 such enterprises close in the first year, mainly due to obstacles that arise during registration.
However, CCL also emphasizes that an official company will be able to more easily access bank credit and have opportunities such as becoming a public service provider and insuring its staff.
Kenneth Bengtsson, Executive President of Efact, also stressed that a business should not be afraid of formalization, as financial institutions offer capital products at more attractive rates than consumer loans.
For his part, Luis Florindes, professor at UPN, believes that bureaucratic hurdles are also decreasing.
“There is still bureaucracy that prevents entering the market, but it is being reduced. For example, there are benefits for entrepreneurs who do not have sales in terms of paying taxes, procedures in municipalities, ministries, etc. are also streamlined. also less workload on staff depending on the size of the company,” he said for his part.
Improve your credit profile with the following options:
Have orderly electronic control of the sales record: To increase your chances of obtaining credit, you must make your business financially transparent. Digital receipts as they are validated SUNATthey become a reliable document of the company’s earnings.
Use factoring to build your track record: You can use the receivables you expose to obtain liquidity from a financial institution without waiting for the collection period, which can be up to 120 days. This form of financing is called factoring and is widely used in the country.
Review the collection process: It is very important that billing is done correctly to avoid delays due to errors, and to always keep payment deadlines in mind so that customers can pay on time.
Source: RPP
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.