{"id":2498,"date":"2026-01-06T20:42:23","date_gmt":"2026-01-06T20:42:23","guid":{"rendered":"https:\/\/arvenbrokers.mx\/?p=2498"},"modified":"2026-02-03T03:09:13","modified_gmt":"2026-02-03T03:09:13","slug":"fianza-vs-seguro-de-credito-diferencias-importan","status":"publish","type":"post","link":"https:\/\/arvenbrokers.mx\/en\/fianza-vs-seguro-de-credito-diferencias-importan\/","title":{"rendered":"Fianza vs seguro de cr\u00e9dito: diferencias que s\u00ed importan"},"content":{"rendered":"<style>.kb-row-layout-id2498_fefb77-c6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_fefb77-c6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_fefb77-c6 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_fefb77-c6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_fefb77-c6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_fefb77-c6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_fefb77-c6 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_779fe2-e7 > .kt-inside-inner-col,.kadence-column2498_779fe2-e7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_779fe2-e7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_779fe2-e7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_779fe2-e7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_779fe2-e7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_779fe2-e7{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_779fe2-e7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_779fe2-e7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_779fe2-e7\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_62593f-0f, .wp-block-kadence-advancedheading.kt-adv-heading2498_62593f-0f[data-kb-block=\"kb-adv-heading2498_62593f-0f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_62593f-0f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_62593f-0f[data-kb-block=\"kb-adv-heading2498_62593f-0f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_62593f-0f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_62593f-0f[data-kb-block=\"kb-adv-heading2498_62593f-0f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_62593f-0f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_62593f-0f\">En muchas empresas, la fianza y el seguro de cr\u00e9dito se colocan en la misma conversaci\u00f3n.<br>Ambos se asocian a conceptos como respaldo, garant\u00eda o cobertura, y por eso <strong>no es raro que se confundan<\/strong> o incluso se utilicen como si fueran intercambiables.<br>El problema no es sem\u00e1ntico. Es operativo.<br>Elegir uno esperando que cumpla la funci\u00f3n del otro suele generar decisiones mal estructuradas, riesgos no previstos y tensiones innecesarias cuando la operaci\u00f3n ya est\u00e1 en marcha.<br>Entender <strong>qu\u00e9 resuelve cada instrumento<\/strong> y <strong>en qu\u00e9 momento tiene sentido usarlo<\/strong> no es una cuesti\u00f3n t\u00e9cnica: es una decisi\u00f3n que impacta en el negocio, contratos, flujo y continuidad.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column2498_977998-bc > .kt-inside-inner-col,.kadence-column2498_977998-bc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_977998-bc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_977998-bc > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_977998-bc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_977998-bc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_977998-bc{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_977998-bc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_977998-bc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_977998-bc\"><div class=\"kt-inside-inner-col\"><style>.kb-image2498_896d00-33 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image2498_896d00-33\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/01\/decision-seguro-de-credito-empresas-mexico2-1024x576.webp\" alt=\"3 ejecutivos decidiendo firmar un seguro de credito\" class=\"kb-img wp-image-2513\" srcset=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/01\/decision-seguro-de-credito-empresas-mexico2-1024x576.webp 1024w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/01\/decision-seguro-de-credito-empresas-mexico2-300x169.webp 300w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/01\/decision-seguro-de-credito-empresas-mexico2-768x432.webp 768w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/01\/decision-seguro-de-credito-empresas-mexico2-1536x864.webp 1536w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/01\/decision-seguro-de-credito-empresas-mexico2.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kb-row-layout-id2498_022728-bd > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_022728-bd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_022728-bd > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_022728-bd > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_022728-bd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_022728-bd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_022728-bd alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_479473-26 > .kt-inside-inner-col,.kadence-column2498_479473-26 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_479473-26 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_479473-26 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_479473-26 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_479473-26 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_479473-26{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_479473-26 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_479473-26 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_479473-26\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_575c1c-9c, .wp-block-kadence-advancedheading.kt-adv-heading2498_575c1c-9c[data-kb-block=\"kb-adv-heading2498_575c1c-9c\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_575c1c-9c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_575c1c-9c[data-kb-block=\"kb-adv-heading2498_575c1c-9c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_575c1c-9c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_575c1c-9c[data-kb-block=\"kb-adv-heading2498_575c1c-9c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2498_575c1c-9c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_575c1c-9c\">Dos instrumentos distintos, para problemas distintos<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_816757-75, .wp-block-kadence-advancedheading.kt-adv-heading2498_816757-75[data-kb-block=\"kb-adv-heading2498_816757-75\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_816757-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_816757-75[data-kb-block=\"kb-adv-heading2498_816757-75\"] mark.kt-highlight{font-style:normal;color:var(--global-palette3, #1A202C);background:var(--global-palette1, #3182CE);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_816757-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_816757-75[data-kb-block=\"kb-adv-heading2498_816757-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_816757-75 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_816757-75\">Aunque ambos participan en la gesti\u00f3n del riesgo, la l\u00f3gica que los sostiene es diferente.<br>La <strong>fianza<\/strong> existe para respaldar el <strong>cumplimiento de una obligaci\u00f3n contractual espec\u00edfica<\/strong>. Su funci\u00f3n es dar certeza a un tercero de que un compromiso asumido ser\u00e1 cumplido en los t\u00e9rminos pactados.<br>El <strong>seguro de cr\u00e9dito<\/strong>, en cambio, existe para proteger a la empresa frente al <strong>incumplimiento de pago de sus clientes<\/strong>. Su foco est\u00e1 en la cartera, el flujo y la capacidad de cobrar lo que ya se vendi\u00f3 a cr\u00e9dito.<br>Ambos reducen riesgo. Pero <strong>no el mismo riesgo<\/strong>, ni en el mismo momento.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2498_f72693-6c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_f72693-6c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_f72693-6c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_f72693-6c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_f72693-6c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_f72693-6c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_f72693-6c alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col,.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_05dfbc-b8{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_05dfbc-b8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_05dfbc-b8\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_213eef-83, .wp-block-kadence-advancedheading.kt-adv-heading2498_213eef-83[data-kb-block=\"kb-adv-heading2498_213eef-83\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_213eef-83 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_213eef-83[data-kb-block=\"kb-adv-heading2498_213eef-83\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_213eef-83 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_213eef-83[data-kb-block=\"kb-adv-heading2498_213eef-83\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2498_213eef-83 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_213eef-83\">D\u00f3nde suele empezar la confusi\u00f3n<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_978390-e9, .wp-block-kadence-advancedheading.kt-adv-heading2498_978390-e9[data-kb-block=\"kb-adv-heading2498_978390-e9\"]{padding-bottom:0px;margin-bottom:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_978390-e9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_978390-e9[data-kb-block=\"kb-adv-heading2498_978390-e9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_978390-e9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_978390-e9[data-kb-block=\"kb-adv-heading2498_978390-e9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_978390-e9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_978390-e9\">La confusi\u00f3n aparece cuando se analiza el instrumento antes que la decisi\u00f3n.<br>Por ejemplo:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_4e7f2f-6f:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_4e7f2f-6f ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_4e7f2f-6f ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_4e7f2f-6f ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2498_4e7f2f-6f ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2498_4e7f2f-6f kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2498_40d360-4d .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-2498_40d360-4d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_40d360-4d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Se contrata una fianza esperando que proteja ingresos futuros.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_2107f9-e4 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-2498_2107f9-e4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_2107f9-e4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Se eval\u00faa un seguro de cr\u00e9dito pensando que puede sustituir una garant\u00eda contractual.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_45e600-05, .wp-block-kadence-advancedheading.kt-adv-heading2498_45e600-05[data-kb-block=\"kb-adv-heading2498_45e600-05\"]{margin-top:0px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_45e600-05 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_45e600-05[data-kb-block=\"kb-adv-heading2498_45e600-05\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_45e600-05 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_45e600-05[data-kb-block=\"kb-adv-heading2498_45e600-05\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_45e600-05 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_45e600-05\">En ambos casos, el error no est\u00e1 en el producto, sino en la expectativa que se deposita en \u00e9l.<br>Una fianza no est\u00e1 dise\u00f1ada para cubrir impagos.<br>Un seguro de cr\u00e9dito no est\u00e1 dise\u00f1ado para garantizar que una obligaci\u00f3n se cumpla.<br>Cuando se usan fuera de su l\u00f3gica natural, dejan huecos que solo se hacen visibles cuando el riesgo ya se materializ\u00f3.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2498_8fece0-7f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_8fece0-7f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_8fece0-7f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_8fece0-7f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_8fece0-7f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_8fece0-7f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_8fece0-7f alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_248d4a-08 > .kt-inside-inner-col,.kadence-column2498_248d4a-08 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_248d4a-08 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_248d4a-08 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_248d4a-08 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_248d4a-08 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_248d4a-08{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_248d4a-08 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_248d4a-08 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_248d4a-08\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_068f3f-66, .wp-block-kadence-advancedheading.kt-adv-heading2498_068f3f-66[data-kb-block=\"kb-adv-heading2498_068f3f-66\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_068f3f-66 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_068f3f-66[data-kb-block=\"kb-adv-heading2498_068f3f-66\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_068f3f-66 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_068f3f-66[data-kb-block=\"kb-adv-heading2498_068f3f-66\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2498_068f3f-66 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_068f3f-66\">Qu\u00e9 decisi\u00f3n respalda cada uno<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_044e20-f8, .wp-block-kadence-advancedheading.kt-adv-heading2498_044e20-f8[data-kb-block=\"kb-adv-heading2498_044e20-f8\"]{padding-bottom:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_044e20-f8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_044e20-f8[data-kb-block=\"kb-adv-heading2498_044e20-f8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_044e20-f8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_044e20-f8[data-kb-block=\"kb-adv-heading2498_044e20-f8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_044e20-f8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_044e20-f8\">Visto desde la toma de decisiones, la diferencia es m\u00e1s clara.<br><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_9a4b07-79, .wp-block-kadence-advancedheading.kt-adv-heading2498_9a4b07-79[data-kb-block=\"kb-adv-heading2498_9a4b07-79\"]{margin-top:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_9a4b07-79 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_9a4b07-79[data-kb-block=\"kb-adv-heading2498_9a4b07-79\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_9a4b07-79 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_9a4b07-79[data-kb-block=\"kb-adv-heading2498_9a4b07-79\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_9a4b07-79 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_9a4b07-79\">La <strong>fianza<\/strong> acompa\u00f1a decisiones donde la empresa:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_2f3d39-a0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_2f3d39-a0 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_2f3d39-a0 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_2f3d39-a0 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_2f3d39-a0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2498_2f3d39-a0 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2498_2f3d39-a0 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2498_1a72a2-87 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_1a72a2-87\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Asume compromisos formales frente a un tercero.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_80703a-23 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_80703a-23\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Firma contratos con obligaciones claramente definidas.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_690571-18 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_690571-18\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Necesita respaldo para ejecutar una operaci\u00f3n espec\u00edfica.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_cbe578-af, .wp-block-kadence-advancedheading.kt-adv-heading2498_cbe578-af[data-kb-block=\"kb-adv-heading2498_cbe578-af\"]{margin-top:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_cbe578-af mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_cbe578-af[data-kb-block=\"kb-adv-heading2498_cbe578-af\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_cbe578-af img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_cbe578-af[data-kb-block=\"kb-adv-heading2498_cbe578-af\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_cbe578-af wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_cbe578-af\">El <strong>seguro de cr\u00e9dito<\/strong> acompa\u00f1a decisiones donde la empresa:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_38764f-ee:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_38764f-ee ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_38764f-ee ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_38764f-ee .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_38764f-ee ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2498_38764f-ee ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2498_38764f-ee kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2498_a7612a-49 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_a7612a-49\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Vende a cr\u00e9dito de forma recurrente.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_fd3089-e4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_fd3089-e4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Depende del cobro oportuno para sostener su operaci\u00f3n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_eec64f-58 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_eec64f-58\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Busca estabilidad financiera en su cartera de clientes.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_505e46-31, .wp-block-kadence-advancedheading.kt-adv-heading2498_505e46-31[data-kb-block=\"kb-adv-heading2498_505e46-31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_505e46-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_505e46-31[data-kb-block=\"kb-adv-heading2498_505e46-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_505e46-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_505e46-31[data-kb-block=\"kb-adv-heading2498_505e46-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_505e46-31 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_505e46-31\">No compiten entre s\u00ed. Cumplen funciones distintas dentro de una estructura de riesgo bien pensada.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2498_57114b-01 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_57114b-01 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_57114b-01 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_57114b-01 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_57114b-01 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_57114b-01 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_57114b-01 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_20b6a5-fe > .kt-inside-inner-col,.kadence-column2498_20b6a5-fe > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_20b6a5-fe > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_20b6a5-fe > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_20b6a5-fe > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_20b6a5-fe > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_20b6a5-fe{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_20b6a5-fe > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_20b6a5-fe > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_20b6a5-fe\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_b7a76c-a7, .wp-block-kadence-advancedheading.kt-adv-heading2498_b7a76c-a7[data-kb-block=\"kb-adv-heading2498_b7a76c-a7\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_b7a76c-a7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_b7a76c-a7[data-kb-block=\"kb-adv-heading2498_b7a76c-a7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_b7a76c-a7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_b7a76c-a7[data-kb-block=\"kb-adv-heading2498_b7a76c-a7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2498_b7a76c-a7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_b7a76c-a7\">Cu\u00e1ndo una empresa suele equivocarse al elegir<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_1bbc8d-d5, .wp-block-kadence-advancedheading.kt-adv-heading2498_1bbc8d-d5[data-kb-block=\"kb-adv-heading2498_1bbc8d-d5\"]{margin-top:var(--global-kb-spacing-md, 2rem);font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_1bbc8d-d5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_1bbc8d-d5[data-kb-block=\"kb-adv-heading2498_1bbc8d-d5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_1bbc8d-d5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_1bbc8d-d5[data-kb-block=\"kb-adv-heading2498_1bbc8d-d5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_1bbc8d-d5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_1bbc8d-d5\">El error m\u00e1s com\u00fan no es contratar uno u otro. Es <strong>no entender qu\u00e9 problema se est\u00e1 tratando de resolver<\/strong>.<br>Cuando una empresa enfrenta obligaciones contractuales, pero piensa solo en flujo, suele quedarse corta en garant\u00edas.<br>Cuando una empresa vende a cr\u00e9dito, pero se enfoca \u00fanicamente en el contrato, suele subestimar el riesgo financiero.<br>Ambos escenarios parten de la misma ra\u00edz: decisiones tomadas sin separar claramente <strong>riesgo contractual<\/strong> y <strong>riesgo de cr\u00e9dito<\/strong>.<\/p>\n\n\n<style>.kb-row-layout-id2498_3a8410-96 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_3a8410-96 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_3a8410-96 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_3a8410-96 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_3a8410-96 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_3a8410-96 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_3a8410-96 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_6246b1-b1 > .kt-inside-inner-col,.kadence-column2498_6246b1-b1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_6246b1-b1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_6246b1-b1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_6246b1-b1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_6246b1-b1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_6246b1-b1{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_6246b1-b1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_6246b1-b1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_6246b1-b1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_9f5f32-7d, .wp-block-kadence-advancedheading.kt-adv-heading2498_9f5f32-7d[data-kb-block=\"kb-adv-heading2498_9f5f32-7d\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_9f5f32-7d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_9f5f32-7d[data-kb-block=\"kb-adv-heading2498_9f5f32-7d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_9f5f32-7d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_9f5f32-7d[data-kb-block=\"kb-adv-heading2498_9f5f32-7d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2498_9f5f32-7d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_9f5f32-7d\">El criterio detr\u00e1s de la elecci\u00f3n<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_941ade-d9, .wp-block-kadence-advancedheading.kt-adv-heading2498_941ade-d9[data-kb-block=\"kb-adv-heading2498_941ade-d9\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_941ade-d9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_941ade-d9[data-kb-block=\"kb-adv-heading2498_941ade-d9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_941ade-d9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_941ade-d9[data-kb-block=\"kb-adv-heading2498_941ade-d9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_941ade-d9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_941ade-d9\">Una empresa que opera con orden no pregunta primero <em>qu\u00e9 instrumento contratar<\/em>.<br>Pregunta primero <strong>qu\u00e9 decisi\u00f3n est\u00e1 tomando<\/strong> y <strong>qu\u00e9 riesgo necesita estructurar<\/strong>.<br>Desde ah\u00ed, la elecci\u00f3n se vuelve natural:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_1a54aa-20:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_1a54aa-20 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_1a54aa-20 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_1a54aa-20 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_1a54aa-20 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2498_1a54aa-20 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2498_1a54aa-20 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2498_3c7402-7e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_3c7402-7e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">La fianza aparece cuando hay obligaciones que cumplir.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_f81dab-0d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_f81dab-0d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_chevronRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"9 18 15 12 9 6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">El seguro de cr\u00e9dito aparece cuando hay ventas a cobrar.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2498_b2b342-b0, .wp-block-kadence-advancedheading.kt-adv-heading2498_b2b342-b0[data-kb-block=\"kb-adv-heading2498_b2b342-b0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_b2b342-b0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_b2b342-b0[data-kb-block=\"kb-adv-heading2498_b2b342-b0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_b2b342-b0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_b2b342-b0[data-kb-block=\"kb-adv-heading2498_b2b342-b0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_b2b342-b0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_b2b342-b0\">Ese es el punto donde la gesti\u00f3n del riesgo deja de ser reactiva y empieza a ser estrat\u00e9gica.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2498_43e2ce-60 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_43e2ce-60 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_43e2ce-60 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_43e2ce-60 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_43e2ce-60 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_43e2ce-60 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_43e2ce-60 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_eac2e0-1a > .kt-inside-inner-col,.kadence-column2498_eac2e0-1a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_eac2e0-1a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_eac2e0-1a > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_eac2e0-1a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_eac2e0-1a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_eac2e0-1a{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_eac2e0-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_eac2e0-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_eac2e0-1a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_99704d-d1, .wp-block-kadence-advancedheading.kt-adv-heading2498_99704d-d1[data-kb-block=\"kb-adv-heading2498_99704d-d1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_99704d-d1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_99704d-d1[data-kb-block=\"kb-adv-heading2498_99704d-d1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_99704d-d1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_99704d-d1[data-kb-block=\"kb-adv-heading2498_99704d-d1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_99704d-d1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_99704d-d1\">M\u00e1s que comparar productos, lo relevante es entender el <strong>rol que cada instrumento juega dentro de una decisi\u00f3n empresarial<\/strong>.<br>Cuando se eligen con criterio \u2014y no por inercia\u2014, la fianza y el seguro de cr\u00e9dito dejan de verse como alternativas y empiezan a funcionar como lo que realmente son: piezas distintas dentro de una misma estructura de control.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2498_789990-79 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_789990-79 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_789990-79 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_789990-79 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_789990-79 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_789990-79 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_789990-79 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2498_dfee40-f7 > .kt-inside-inner-col,.kadence-column2498_dfee40-f7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_dfee40-f7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_dfee40-f7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_dfee40-f7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_dfee40-f7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_dfee40-f7{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_dfee40-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_dfee40-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_dfee40-f7\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_8b4c08-53, .wp-block-kadence-advancedheading.kt-adv-heading2498_8b4c08-53[data-kb-block=\"kb-adv-heading2498_8b4c08-53\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2498_8b4c08-53 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_8b4c08-53[data-kb-block=\"kb-adv-heading2498_8b4c08-53\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_8b4c08-53 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_8b4c08-53[data-kb-block=\"kb-adv-heading2498_8b4c08-53\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading2498_8b4c08-53 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2498_8b4c08-53\">Lecturas recomendadas para profundizar<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_6e2bd6-87:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_6e2bd6-87 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_6e2bd6-87 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2498_6e2bd6-87 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2498_6e2bd6-87 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2498_6e2bd6-87 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2498_3c8c80-ad .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-2498_3c8c80-ad .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_3c8c80-ad\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"http:\/\/[https:\/\/arvenbrokers.mx\/que-es-una-fianza-y-en-que-momento-una-empresa-la-necesita\/](https:\/\/arvenbrokers.mx\/que-es-una-fianza-y-en-que-momento-una-empresa-la-necesita\/)\" data-type=\"link\" data-id=\"[https:\/\/arvenbrokers.mx\/que-es-una-fianza-y-en-que-momento-una-empresa-la-necesita\/](https:\/\/arvenbrokers.mx\/que-es-una-fianza-y-en-que-momento-una-empresa-la-necesita\/)\">Qu\u00e9 es una fianza y en que momento una empresa necesita una.<\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_7d7d5d-e4 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-2498_7d7d5d-e4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_7d7d5d-e4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"http:\/\/[https:\/\/arvenbrokers.mx\/que-revisar-en-un-contrato-antes-de-firmarlo\/](https:\/\/arvenbrokers.mx\/que-revisar-en-un-contrato-antes-de-firmarlo\/)\" data-type=\"link\" data-id=\"[https:\/\/arvenbrokers.mx\/que-revisar-en-un-contrato-antes-de-firmarlo\/](https:\/\/arvenbrokers.mx\/que-revisar-en-un-contrato-antes-de-firmarlo\/)\">Qu\u00e9 revisar en un contrato antes de firmarlo.<\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2498_29e163-4c .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-2498_29e163-4c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2498_29e163-4c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"http:\/\/[https:\/\/arvenbrokers.mx\/que-es-el-seguro-de-credito-y-cuando-tiene-sentido-contratarlo\/](https:\/\/arvenbrokers.mx\/que-es-el-seguro-de-credito-y-cuando-tiene-sentido-contratarlo\/)\" data-type=\"link\" data-id=\"[https:\/\/arvenbrokers.mx\/que-es-el-seguro-de-credito-y-cuando-tiene-sentido-contratarlo\/](https:\/\/arvenbrokers.mx\/que-es-el-seguro-de-credito-y-cuando-tiene-sentido-contratarlo\/)\">Qu\u00e9 es el seguro de cr\u00e9dito y cuando tiene sentido contratarlo.<\/a><\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2498_aec59d-a7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2498_aec59d-a7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2498_aec59d-a7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2498_aec59d-a7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_aec59d-a7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_aec59d-a7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_aec59d-a7 alignfull has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column2498_d3b0f5-b5 > .kt-inside-inner-col,.kadence-column2498_d3b0f5-b5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_d3b0f5-b5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_d3b0f5-b5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_d3b0f5-b5 > 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3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}.kb-row-layout-id2498_d7b207-e1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2498_d7b207-e1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2498_d7b207-e1 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2498_d7b207-e1 alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col,.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col{flex-direction:column;}.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_5fc1e5-9b{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2498_5fc1e5-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_5fc1e5-9b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2498_173edc-95, .wp-block-kadence-advancedheading.kt-adv-heading2498_173edc-95[data-kb-block=\"kb-adv-heading2498_173edc-95\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2498_173edc-95 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2498_173edc-95[data-kb-block=\"kb-adv-heading2498_173edc-95\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2498_173edc-95 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2498_173edc-95[data-kb-block=\"kb-adv-heading2498_173edc-95\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2498_173edc-95 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading2498_173edc-95\">Si tu empresa est\u00e1 evaluando contratos, ventas a cr\u00e9dito o esquemas de respaldo, entender bien el riesgo antes de estructurarlo hace la diferencia.<br>En <strong>ARVEN BROKERS <\/strong>te ayudamos a ordenar ese an\u00e1lisis antes de que se convierta en un problema operativo.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col{display:flex;}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col,.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2498_8bb5a9-0d{position:relative;}@media all and (max-width: 1024px){.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column2498_8bb5a9-0d > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2498_8bb5a9-0d\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" data-trigger-modal=\"gT62fSW2nng\"><button class=\"wp-block-button__link wp-element-button\">Cont\u00e1ctanos<\/button><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<div role=\"dialog\" aria-modal=\"true\" class=\"wp-block-cloudcatch-light-modal-block__wrapper\" data-modal-id=\"gT62fSW2nng\"><div class=\"wp-block-cloudcatch-light-modal-block\"><div class=\"wp-block-cloudcatch-light-modal-block__content\">\n<div class=\"hs-form-frame\"\n     data-region=\"na1\"\n     data-form-id=\"38c73a31-d179-4a4e-bb8d-e143fcd165e0\"\n     data-portal-id=\"50724398\"><\/div>\n<\/div><button class=\"wp-block-cloudcatch-light-modal-block__close\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M24 1.2 22.8 0 12 10.8 1.2 0 0 1.2 10.8 12 0 22.8 1.2 24 12 13.2 22.8 24l1.2-1.2L13.2 12 24 1.2z\"><\/path><\/svg><\/button><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>En muchas empresas, la fianza y el seguro de cr\u00e9dito se colocan en la misma conversaci\u00f3n.Ambos se asocian a conceptos como respaldo, garant\u00eda o cobertura,&#8230;<\/p>","protected":false},"author":1,"featured_media":2513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[13],"tags":[15],"class_list":["post-2498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-decisiones-impactan-negocio","tag-awareness"],"_links":{"self":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2498","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/comments?post=2498"}],"version-history":[{"count":4,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2498\/revisions"}],"predecessor-version":[{"id":2598,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2498\/revisions\/2598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media\/2513"}],"wp:attachment":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media?parent=2498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/categories?post=2498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/tags?post=2498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}