{"id":2695,"date":"2026-05-12T19:05:30","date_gmt":"2026-05-12T19:05:30","guid":{"rendered":"https:\/\/arvenbrokers.mx\/?p=2695"},"modified":"2026-05-23T02:12:17","modified_gmt":"2026-05-23T02:12:17","slug":"diferencias-entre-vender-a-credito-con-y-sin-respaldo","status":"publish","type":"post","link":"https:\/\/arvenbrokers.mx\/en\/diferencias-entre-vender-a-credito-con-y-sin-respaldo\/","title":{"rendered":"Diferencias entre vender a cr\u00e9dito con y sin respaldo"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_d2e085-8d, .wp-block-kadence-advancedheading.kt-adv-heading2695_d2e085-8d[data-kb-block=\"kb-adv-heading2695_d2e085-8d\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2695_d2e085-8d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_d2e085-8d[data-kb-block=\"kb-adv-heading2695_d2e085-8d\"] 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-heading2695_d2e085-8d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_d2e085-8d[data-kb-block=\"kb-adv-heading2695_d2e085-8d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2695_d2e085-8d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_d2e085-8d\">Vender a cr\u00e9dito siempre implica asumir un riesgo<\/h2>\n\n\n<style>.kb-row-layout-id2695_0b4585-65 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_0b4585-65 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_0b4585-65 > .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-id2695_0b4585-65 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_0b4585-65 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_0b4585-65 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_0b4585-65 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-column2695_76dff4-19 > .kt-inside-inner-col,.kadence-column2695_76dff4-19 > .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-column2695_76dff4-19 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_76dff4-19 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_76dff4-19 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_76dff4-19 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_76dff4-19{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_76dff4-19 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_76dff4-19 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_76dff4-19\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_f9381b-4d, .wp-block-kadence-advancedheading.kt-adv-heading2695_f9381b-4d[data-kb-block=\"kb-adv-heading2695_f9381b-4d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_f9381b-4d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_f9381b-4d[data-kb-block=\"kb-adv-heading2695_f9381b-4d\"] 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-heading2695_f9381b-4d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_f9381b-4d[data-kb-block=\"kb-adv-heading2695_f9381b-4d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_f9381b-4d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_f9381b-4d\">Otorgar cr\u00e9dito comercial es una pr\u00e1ctica normal en la mayor\u00eda de las empresas. Permite competir, cerrar operaciones y fortalecer relaciones con clientes. Sin embargo, cada factura pendiente representa una exposici\u00f3n financiera que puede afectar directamente el flujo de efectivo.<br>El problema no est\u00e1 en vender a cr\u00e9dito. El verdadero riesgo aparece cuando la empresa asume esa exposici\u00f3n sin una estructura que le permita anticipar, controlar y transferir parte del impacto si un cliente deja de pagar.<br>En ese punto, dos empresas con ventas similares pueden enfrentar realidades completamente distintas.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column2695_e7da32-1b > .kt-inside-inner-col,.kadence-column2695_e7da32-1b > .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-column2695_e7da32-1b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_e7da32-1b > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_e7da32-1b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_e7da32-1b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_e7da32-1b{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_e7da32-1b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_e7da32-1b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_e7da32-1b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image2695_dc4a70-22:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-bottom:0px;}.kb-image2695_dc4a70-22 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image2695_dc4a70-22\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven-1024x576.webp\" alt=\"An\u00e1lisis financiero de ventas a cr\u00e9dito con y sin respaldo.\" class=\"kb-img wp-image-2696\" srcset=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven-1024x576.webp 1024w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven-300x169.webp 300w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven-768x432.webp 768w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven-1536x864.webp 1536w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven-18x10.webp 18w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/05\/vender-a-credito-con-y-sin-respaldo-arven.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kb-row-layout-id2695_c75a5a-a1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_c75a5a-a1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_c75a5a-a1 > .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-id2695_c75a5a-a1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_c75a5a-a1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_c75a5a-a1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_c75a5a-a1 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-column2695_f51f48-3d > .kt-inside-inner-col,.kadence-column2695_f51f48-3d > .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-column2695_f51f48-3d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_f51f48-3d > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_f51f48-3d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_f51f48-3d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_f51f48-3d{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_f51f48-3d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_f51f48-3d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_f51f48-3d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_f2a83b-9b, .wp-block-kadence-advancedheading.kt-adv-heading2695_f2a83b-9b[data-kb-block=\"kb-adv-heading2695_f2a83b-9b\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2695_f2a83b-9b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_f2a83b-9b[data-kb-block=\"kb-adv-heading2695_f2a83b-9b\"] 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-heading2695_f2a83b-9b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_f2a83b-9b[data-kb-block=\"kb-adv-heading2695_f2a83b-9b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2695_f2a83b-9b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_f2a83b-9b\">Qu\u00e9 significa vender a cr\u00e9dito sin respaldo<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_f82f1c-40, .wp-block-kadence-advancedheading.kt-adv-heading2695_f82f1c-40[data-kb-block=\"kb-adv-heading2695_f82f1c-40\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_f82f1c-40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_f82f1c-40[data-kb-block=\"kb-adv-heading2695_f82f1c-40\"] 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-heading2695_f82f1c-40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_f82f1c-40[data-kb-block=\"kb-adv-heading2695_f82f1c-40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_f82f1c-40 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_f82f1c-40\">Cuando una empresa vende a cr\u00e9dito sin una herramienta formal de protecci\u00f3n, asume por cuenta propia el riesgo de impago.<br>Si uno o varios clientes incumplen, la compa\u00f1\u00eda absorbe directamente las consecuencias:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_89b4c0-7a:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_89b4c0-7a 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-items2695_89b4c0-7a ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_89b4c0-7a .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_89b4c0-7a ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2695_89b4c0-7a 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-items2695_89b4c0-7a kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2695_544f51-1d .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-2695_544f51-1d\"><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\">Presi\u00f3n sobre el flujo de efectivo.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_d079e0-c1 .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-2695_d079e0-c1\"><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\">Incremento en cuentas incobrables.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_f2910c-f0 .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-2695_f2910c-f0\"><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\">Mayor necesidad de financiamiento.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_371fe5-01 .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-2695_371fe5-01\"><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\">Distracci\u00f3n del equipo directivo y financiero.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_72a316-51, .wp-block-kadence-advancedheading.kt-adv-heading2695_72a316-51[data-kb-block=\"kb-adv-heading2695_72a316-51\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_72a316-51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_72a316-51[data-kb-block=\"kb-adv-heading2695_72a316-51\"] 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-heading2695_72a316-51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_72a316-51[data-kb-block=\"kb-adv-heading2695_72a316-51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_72a316-51 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_72a316-51\">En este modelo, el crecimiento de las ventas tambi\u00e9n implica un crecimiento proporcional de la exposici\u00f3n.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2695_350301-c0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_350301-c0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_350301-c0 > .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-id2695_350301-c0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_350301-c0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_350301-c0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_350301-c0 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-column2695_bdf01d-a5 > .kt-inside-inner-col,.kadence-column2695_bdf01d-a5 > .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-column2695_bdf01d-a5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_bdf01d-a5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_bdf01d-a5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_bdf01d-a5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_bdf01d-a5{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_bdf01d-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_bdf01d-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_bdf01d-a5\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_c1f3cf-37, .wp-block-kadence-advancedheading.kt-adv-heading2695_c1f3cf-37[data-kb-block=\"kb-adv-heading2695_c1f3cf-37\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2695_c1f3cf-37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_c1f3cf-37[data-kb-block=\"kb-adv-heading2695_c1f3cf-37\"] 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-heading2695_c1f3cf-37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_c1f3cf-37[data-kb-block=\"kb-adv-heading2695_c1f3cf-37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2695_c1f3cf-37 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_c1f3cf-37\">Qu\u00e9 cambia cuando existe un respaldo estructurado<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_d90606-da, .wp-block-kadence-advancedheading.kt-adv-heading2695_d90606-da[data-kb-block=\"kb-adv-heading2695_d90606-da\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_d90606-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_d90606-da[data-kb-block=\"kb-adv-heading2695_d90606-da\"] 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-heading2695_d90606-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_d90606-da[data-kb-block=\"kb-adv-heading2695_d90606-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_d90606-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_d90606-da\">Cuando la empresa cuenta con un mecanismo como el seguro de cr\u00e9dito, parte del riesgo comercial se transfiere a una aseguradora especializada.<br>Esto no elimina la necesidad de gestionar la cartera, pero s\u00ed modifica sustancialmente el impacto potencial de un incumplimiento.<br>Con una estructura adecuada, la empresa puede:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_e9d4c3-d6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_e9d4c3-d6 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-items2695_e9d4c3-d6 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_e9d4c3-d6 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_e9d4c3-d6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2695_e9d4c3-d6 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-items2695_e9d4c3-d6 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2695_d813d4-92 .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-2695_d813d4-92\"><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\">Proteger cuentas por cobrar.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_e84f3f-86 .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-2695_e84f3f-86\"><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\">Reducir el impacto financiero de un impago.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_2faf4e-be .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-2695_2faf4e-be\"><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\">Mejorar la estabilidad del flujo de efectivo.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_6e1796-0c .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-2695_6e1796-0c\"><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\">Tomar decisiones comerciales con mayor visibilidad.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_26ac2a-be, .wp-block-kadence-advancedheading.kt-adv-heading2695_26ac2a-be[data-kb-block=\"kb-adv-heading2695_26ac2a-be\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_26ac2a-be mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_26ac2a-be[data-kb-block=\"kb-adv-heading2695_26ac2a-be\"] 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-heading2695_26ac2a-be img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_26ac2a-be[data-kb-block=\"kb-adv-heading2695_26ac2a-be\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_26ac2a-be wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_26ac2a-be\">El objetivo no es vender m\u00e1s a cualquier costo, sino crecer con una exposici\u00f3n controlada.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2695_149187-81 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_149187-81 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_149187-81 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2695_149187-81 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_149187-81 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_149187-81 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_149187-81 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-column2695_0204ff-f0 > .kt-inside-inner-col,.kadence-column2695_0204ff-f0 > .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-column2695_0204ff-f0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_0204ff-f0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_0204ff-f0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_0204ff-f0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_0204ff-f0{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_0204ff-f0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_0204ff-f0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_0204ff-f0\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_333dbf-b3, .wp-block-kadence-advancedheading.kt-adv-heading2695_333dbf-b3[data-kb-block=\"kb-adv-heading2695_333dbf-b3\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2695_333dbf-b3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_333dbf-b3[data-kb-block=\"kb-adv-heading2695_333dbf-b3\"] 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-heading2695_333dbf-b3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_333dbf-b3[data-kb-block=\"kb-adv-heading2695_333dbf-b3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2695_333dbf-b3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_333dbf-b3\">La diferencia no est\u00e1 en el cr\u00e9dito, sino en la estructura<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_f577c1-d4, .wp-block-kadence-advancedheading.kt-adv-heading2695_f577c1-d4[data-kb-block=\"kb-adv-heading2695_f577c1-d4\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_f577c1-d4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_f577c1-d4[data-kb-block=\"kb-adv-heading2695_f577c1-d4\"] 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-heading2695_f577c1-d4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_f577c1-d4[data-kb-block=\"kb-adv-heading2695_f577c1-d4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_f577c1-d4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_f577c1-d4\">Dos empresas pueden otorgar exactamente los mismos plazos de pago y tener carteras similares. La diferencia es que una conserva todo el riesgo en su balance, mientras que la otra ha transferido una parte de esa exposici\u00f3n mediante una estructura de protecci\u00f3n.<br>Esa decisi\u00f3n influye directamente en la forma en que la empresa administra su liquidez, eval\u00faa la concentraci\u00f3n de clientes, absorbe p\u00e9rdidas y planea su crecimiento.<br>Lo que parece una decisi\u00f3n comercial termina teniendo implicaciones financieras y estrat\u00e9gicas mucho m\u00e1s profundas.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2695_8d8f9d-0a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_8d8f9d-0a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_8d8f9d-0a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2695_8d8f9d-0a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_8d8f9d-0a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_8d8f9d-0a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_8d8f9d-0a 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-column2695_8ed7ea-3b > .kt-inside-inner-col,.kadence-column2695_8ed7ea-3b > .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-column2695_8ed7ea-3b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_8ed7ea-3b > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_8ed7ea-3b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_8ed7ea-3b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_8ed7ea-3b{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_8ed7ea-3b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_8ed7ea-3b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_8ed7ea-3b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_23ff98-cd, .wp-block-kadence-advancedheading.kt-adv-heading2695_23ff98-cd[data-kb-block=\"kb-adv-heading2695_23ff98-cd\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2695_23ff98-cd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_23ff98-cd[data-kb-block=\"kb-adv-heading2695_23ff98-cd\"] 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-heading2695_23ff98-cd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_23ff98-cd[data-kb-block=\"kb-adv-heading2695_23ff98-cd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2695_23ff98-cd wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_23ff98-cd\">Cu\u00e1ndo el respaldo deja de ser opcional<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2695_80cabb-72, .wp-block-kadence-advancedheading.kt-adv-heading2695_80cabb-72[data-kb-block=\"kb-adv-heading2695_80cabb-72\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_80cabb-72 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_80cabb-72[data-kb-block=\"kb-adv-heading2695_80cabb-72\"] 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-heading2695_80cabb-72 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_80cabb-72[data-kb-block=\"kb-adv-heading2695_80cabb-72\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_80cabb-72 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_80cabb-72\">A medida que la empresa crece, tambi\u00e9n lo hacen el monto de las cuentas por cobrar y la dependencia de ciertos clientes.<br>Cuando una parte relevante del flujo de efectivo depende del cumplimiento de terceros, operar sin protecci\u00f3n puede exponer al negocio a p\u00e9rdidas que afectan su continuidad.<br>En ese momento, el debate deja de ser si existe riesgo. La verdadera pregunta es qui\u00e9n lo est\u00e1 asumiendo.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2695_e4cebb-a7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_e4cebb-a7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_e4cebb-a7 > .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-id2695_e4cebb-a7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_e4cebb-a7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_e4cebb-a7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_e4cebb-a7 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-column2695_f11e72-be > .kt-inside-inner-col,.kadence-column2695_f11e72-be > .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-column2695_f11e72-be > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_f11e72-be > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_f11e72-be > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_f11e72-be > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_f11e72-be{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_f11e72-be > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_f11e72-be > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_f11e72-be\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_39c9e2-77, .wp-block-kadence-advancedheading.kt-adv-heading2695_39c9e2-77[data-kb-block=\"kb-adv-heading2695_39c9e2-77\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_39c9e2-77 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_39c9e2-77[data-kb-block=\"kb-adv-heading2695_39c9e2-77\"] 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-heading2695_39c9e2-77 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_39c9e2-77[data-kb-block=\"kb-adv-heading2695_39c9e2-77\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_39c9e2-77 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_39c9e2-77\">Vender a cr\u00e9dito es una herramienta de crecimiento. Hacerlo con o sin respaldo define qu\u00e9 tan vulnerable queda la empresa frente al incumplimiento de sus clientes.<br>La diferencia no siempre se nota cuando todo marcha bien, pero se vuelve evidente cuando el riesgo se materializa.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2695_6e4a5e-c0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2695_6e4a5e-c0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2695_6e4a5e-c0 > .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-id2695_6e4a5e-c0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_6e4a5e-c0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_6e4a5e-c0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2695_6e4a5e-c0 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-column2695_3e172c-7b > .kt-inside-inner-col,.kadence-column2695_3e172c-7b > .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-column2695_3e172c-7b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_3e172c-7b > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_3e172c-7b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_3e172c-7b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_3e172c-7b{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_3e172c-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_3e172c-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_3e172c-7b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_2fc63c-a4, .wp-block-kadence-advancedheading.kt-adv-heading2695_2fc63c-a4[data-kb-block=\"kb-adv-heading2695_2fc63c-a4\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2695_2fc63c-a4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_2fc63c-a4[data-kb-block=\"kb-adv-heading2695_2fc63c-a4\"] 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-heading2695_2fc63c-a4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_2fc63c-a4[data-kb-block=\"kb-adv-heading2695_2fc63c-a4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading2695_2fc63c-a4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2695_2fc63c-a4\">Lecturas recomendadas para profundizar<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_371a25-4b:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_371a25-4b 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-items2695_371a25-4b ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_371a25-4b .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_371a25-4b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2695_371a25-4b ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2695_371a25-4b .wp-block-kadence-listitem a{text-decoration:underline;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2695_371a25-4b kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2695_11de0c-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-2695_11de0c-e4\"><a href=\"https:\/\/arvenbrokers.mx\/que-es-el-seguro-de-credito-y-cuando-tiene-sentido-contratarlo\/\" class=\"kt-svg-icon-link\"><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\">Qu\u00e9 es el seguro de cr\u00e9dito y cu\u00e1ndo tiene sentido contratarlo<\/span><\/a><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_a03b4c-f0 .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-2695_a03b4c-f0\"><a href=\"https:\/\/arvenbrokers.mx\/que-pasa-cuando-se-activa-un-seguro-de-credito\/\" class=\"kt-svg-icon-link\"><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\">Qu\u00e9 pasa cuando se activa un seguro de cr\u00e9dito<\/span><\/a><\/li>\n\n\n<style>.kt-svg-icon-list-item-2695_cd127d-79 .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-2695_cd127d-79\"><a href=\"https:\/\/arvenbrokers.mx\/riesgos-invisibles-al-crecer-la-cartera-de-clientes\/\" class=\"kt-svg-icon-link\"><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\">Riesgos invisibles al crecer la cartera de clientes<\/span><\/a><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2695_e6d70d-c0 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2695_e6d70d-c0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2695_e6d70d-c0 > .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-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 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-id2695_e6d70d-c0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2695_e6d70d-c0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2695_e6d70d-c0 > .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-id2695_e6d70d-c0 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-column2695_b123d9-06 > .kt-inside-inner-col,.kadence-column2695_b123d9-06 > .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-column2695_b123d9-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_b123d9-06 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2695_b123d9-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_b123d9-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_b123d9-06{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_b123d9-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2695_b123d9-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_b123d9-06\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2695_1cee2a-51, .wp-block-kadence-advancedheading.kt-adv-heading2695_1cee2a-51[data-kb-block=\"kb-adv-heading2695_1cee2a-51\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2695_1cee2a-51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2695_1cee2a-51[data-kb-block=\"kb-adv-heading2695_1cee2a-51\"] 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-heading2695_1cee2a-51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2695_1cee2a-51[data-kb-block=\"kb-adv-heading2695_1cee2a-51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2695_1cee2a-51 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading2695_1cee2a-51\">La forma en que se estructura el cr\u00e9dito comercial determina el impacto financiero de un impago. <strong>Entender esa diferencia permite crecer con mayor estabilidad<\/strong>.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2695_0731eb-5f > .kt-inside-inner-col{display:flex;}.kadence-column2695_0731eb-5f > .kt-inside-inner-col,.kadence-column2695_0731eb-5f > .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-column2695_0731eb-5f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2695_0731eb-5f > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column2695_0731eb-5f > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column2695_0731eb-5f > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column2695_0731eb-5f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2695_0731eb-5f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2695_0731eb-5f{position:relative;}@media all and (max-width: 1024px){.kadence-column2695_0731eb-5f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column2695_0731eb-5f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2695_0731eb-5f\"><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>","protected":false},"excerpt":{"rendered":"<p>Vender a cr\u00e9dito siempre implica asumir un riesgo Otorgar cr\u00e9dito comercial es una pr\u00e1ctica normal en la mayor\u00eda de las empresas. Permite competir, cerrar operaciones&#8230;<\/p>","protected":false},"author":1,"featured_media":2696,"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":[16],"class_list":["post-2695","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-decisiones-impactan-negocio","tag-consideration"],"_links":{"self":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2695","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=2695"}],"version-history":[{"count":2,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2695\/revisions"}],"predecessor-version":[{"id":2716,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2695\/revisions\/2716"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media\/2696"}],"wp:attachment":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media?parent=2695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/categories?post=2695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/tags?post=2695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}