{"id":2740,"date":"2026-07-15T04:04:07","date_gmt":"2026-07-15T04:04:07","guid":{"rendered":"https:\/\/arvenbrokers.mx\/?p=2740"},"modified":"2026-07-15T04:04:09","modified_gmt":"2026-07-15T04:04:09","slug":"que-revisa-una-afianzadora-antes-de-otorgar-una-fianza","status":"publish","type":"post","link":"https:\/\/arvenbrokers.mx\/en\/que-revisa-una-afianzadora-antes-de-otorgar-una-fianza\/","title":{"rendered":"Qu\u00e9 revisa una afianzadora antes de otorgar una fianza"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_85fd94-98, .wp-block-kadence-advancedheading.kt-adv-heading2740_85fd94-98[data-kb-block=\"kb-adv-heading2740_85fd94-98\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_85fd94-98 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_85fd94-98[data-kb-block=\"kb-adv-heading2740_85fd94-98\"] 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-heading2740_85fd94-98 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_85fd94-98[data-kb-block=\"kb-adv-heading2740_85fd94-98\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_85fd94-98 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_85fd94-98\">La emisi\u00f3n empieza con una evaluaci\u00f3n, no con la p\u00f3liza.<\/h2>\n\n\n<style>.kb-row-layout-id2740_4aa77d-62 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_4aa77d-62 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_4aa77d-62 > .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-id2740_4aa77d-62 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_4aa77d-62 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_4aa77d-62 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_4aa77d-62 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-column2740_997bfe-33 > .kt-inside-inner-col,.kadence-column2740_997bfe-33 > .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-column2740_997bfe-33 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_997bfe-33 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_997bfe-33 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_997bfe-33 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_997bfe-33{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_997bfe-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_997bfe-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_997bfe-33\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_2805f1-a1, .wp-block-kadence-advancedheading.kt-adv-heading2740_2805f1-a1[data-kb-block=\"kb-adv-heading2740_2805f1-a1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_2805f1-a1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_2805f1-a1[data-kb-block=\"kb-adv-heading2740_2805f1-a1\"] 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-heading2740_2805f1-a1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_2805f1-a1[data-kb-block=\"kb-adv-heading2740_2805f1-a1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_2805f1-a1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_2805f1-a1\">Una empresa puede tener un contrato firmado y una solicitud urgente, pero eso no significa que la fianza se otorgar\u00e1 de manera autom\u00e1tica. Antes de asumir la obligaci\u00f3n, la afianzadora necesita determinar si el solicitante cuenta con la capacidad financiera, operativa y jur\u00eddica para cumplir aquello que pretende garantizar.<br>Entender qu\u00e9 revisa una afianzadora permite anticipar requerimientos, preparar mejor la informaci\u00f3n y evitar que la emisi\u00f3n se convierta en un freno para el inicio de un proyecto.<br>La evaluaci\u00f3n no busca \u00fanicamente saber si la empresa puede pagar el costo de la fianza. Busca establecer si podr\u00e1 responder por la obligaci\u00f3n principal y qu\u00e9 posibilidades existen de recuperaci\u00f3n en caso de incumplimiento.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column2740_f21441-9f > .kt-inside-inner-col,.kadence-column2740_f21441-9f > .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-column2740_f21441-9f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_f21441-9f > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_f21441-9f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_f21441-9f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_f21441-9f{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_f21441-9f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_f21441-9f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_f21441-9f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image2740_fe843f-ed:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-bottom:0px;}.kb-image2740_fe843f-ed .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image2740_fe843f-ed\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven-1024x576.webp\" alt=\"Especialista revisando la informaci\u00f3n que eval\u00faa una afianzadora antes de otorgar una fianza.\" class=\"kb-img wp-image-2763\" srcset=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven-1024x576.webp 1024w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven-300x169.webp 300w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven-768x432.webp 768w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven-1536x864.webp 1536w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven-18x10.webp 18w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/que-revisa-afianzadora-otorgar-fianza-arven.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kb-row-layout-id2740_cdc8da-fa > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_cdc8da-fa > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_cdc8da-fa > .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-id2740_cdc8da-fa > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_cdc8da-fa > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_cdc8da-fa > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_cdc8da-fa 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-column2740_a6f009-09 > .kt-inside-inner-col,.kadence-column2740_a6f009-09 > .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-column2740_a6f009-09 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_a6f009-09 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_a6f009-09 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_a6f009-09 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_a6f009-09{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_a6f009-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_a6f009-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_a6f009-09\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_c4d275-f4, .wp-block-kadence-advancedheading.kt-adv-heading2740_c4d275-f4[data-kb-block=\"kb-adv-heading2740_c4d275-f4\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_c4d275-f4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_c4d275-f4[data-kb-block=\"kb-adv-heading2740_c4d275-f4\"] 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-heading2740_c4d275-f4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_c4d275-f4[data-kb-block=\"kb-adv-heading2740_c4d275-f4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_c4d275-f4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_c4d275-f4\">La capacidad financiera para sostener el compromiso<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_757315-d1, .wp-block-kadence-advancedheading.kt-adv-heading2740_757315-d1[data-kb-block=\"kb-adv-heading2740_757315-d1\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_757315-d1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_757315-d1[data-kb-block=\"kb-adv-heading2740_757315-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-heading2740_757315-d1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_757315-d1[data-kb-block=\"kb-adv-heading2740_757315-d1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_757315-d1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_757315-d1\">Los estados financieros permiten conocer el tama\u00f1o y la estabilidad de la empresa, pero la revisi\u00f3n no se limita a observar sus ventas o sus activos. La afianzadora tambi\u00e9n analiza la liquidez disponible, el nivel de endeudamiento, el capital de trabajo y la capacidad de generaci\u00f3n de flujo.<br>Una empresa puede registrar ingresos relevantes y, aun as\u00ed, tener una posici\u00f3n financiera ajustada si mantiene una cartera de dif\u00edcil recuperaci\u00f3n, obligaciones elevadas o poca disponibilidad de efectivo.<br>Por eso, el an\u00e1lisis se concentra en determinar si la operaci\u00f3n cuenta con recursos suficientes para ejecutar el contrato sin depender de condiciones demasiado fr\u00e1giles.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_b8fa6d-9e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_b8fa6d-9e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_b8fa6d-9e > .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-id2740_b8fa6d-9e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_b8fa6d-9e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_b8fa6d-9e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_b8fa6d-9e 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-column2740_627a4b-91 > .kt-inside-inner-col,.kadence-column2740_627a4b-91 > .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-column2740_627a4b-91 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_627a4b-91 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_627a4b-91 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_627a4b-91 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_627a4b-91{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_627a4b-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_627a4b-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_627a4b-91\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_ad8091-1e, .wp-block-kadence-advancedheading.kt-adv-heading2740_ad8091-1e[data-kb-block=\"kb-adv-heading2740_ad8091-1e\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_ad8091-1e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_ad8091-1e[data-kb-block=\"kb-adv-heading2740_ad8091-1e\"] 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-heading2740_ad8091-1e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_ad8091-1e[data-kb-block=\"kb-adv-heading2740_ad8091-1e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_ad8091-1e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_ad8091-1e\">El contrato tambi\u00e9n define el nivel de riesgo<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_b6d0f5-62, .wp-block-kadence-advancedheading.kt-adv-heading2740_b6d0f5-62[data-kb-block=\"kb-adv-heading2740_b6d0f5-62\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_b6d0f5-62 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_b6d0f5-62[data-kb-block=\"kb-adv-heading2740_b6d0f5-62\"] 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-heading2740_b6d0f5-62 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_b6d0f5-62[data-kb-block=\"kb-adv-heading2740_b6d0f5-62\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_b6d0f5-62 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_b6d0f5-62\">La situaci\u00f3n financiera del solicitante es solo una parte de la evaluaci\u00f3n. La afianzadora necesita revisar la obligaci\u00f3n que ser\u00e1 garantizada porque no todos los contratos representan el mismo nivel de exposici\u00f3n.<br>El monto, la duraci\u00f3n, los entregables, las penalizaciones y las condiciones de terminaci\u00f3n influyen directamente en el an\u00e1lisis. Tambi\u00e9n importa si existe un anticipo, si la ejecuci\u00f3n depende de terceros o si el proyecto exige capacidades t\u00e9cnicas que la empresa a\u00fan no ha demostrado.<br>Una organizaci\u00f3n financieramente s\u00f3lida puede enfrentar condiciones m\u00e1s estrictas si el contrato es desproporcionado respecto de su tama\u00f1o o experiencia.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_f9e161-4c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_f9e161-4c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_f9e161-4c > .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-id2740_f9e161-4c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_f9e161-4c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_f9e161-4c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_f9e161-4c 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-column2740_05e930-9c > .kt-inside-inner-col,.kadence-column2740_05e930-9c > .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-column2740_05e930-9c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_05e930-9c > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_05e930-9c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_05e930-9c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_05e930-9c{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_05e930-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_05e930-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_05e930-9c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_b439c7-5b, .wp-block-kadence-advancedheading.kt-adv-heading2740_b439c7-5b[data-kb-block=\"kb-adv-heading2740_b439c7-5b\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_b439c7-5b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_b439c7-5b[data-kb-block=\"kb-adv-heading2740_b439c7-5b\"] 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-heading2740_b439c7-5b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_b439c7-5b[data-kb-block=\"kb-adv-heading2740_b439c7-5b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_b439c7-5b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_b439c7-5b\">Qu\u00e9 revisa una afianzadora durante el an\u00e1lisis<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_b4034b-b9, .wp-block-kadence-advancedheading.kt-adv-heading2740_b4034b-b9[data-kb-block=\"kb-adv-heading2740_b4034b-b9\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_b4034b-b9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_b4034b-b9[data-kb-block=\"kb-adv-heading2740_b4034b-b9\"] 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-heading2740_b4034b-b9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_b4034b-b9[data-kb-block=\"kb-adv-heading2740_b4034b-b9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_b4034b-b9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_b4034b-b9\">Aunque los requerimientos pueden variar seg\u00fan la operaci\u00f3n y la instituci\u00f3n, normalmente la evaluaci\u00f3n considera varios elementos en conjunto:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_9b80a2-bd:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_9b80a2-bd 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-items2740_9b80a2-bd ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_9b80a2-bd .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_9b80a2-bd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2740_9b80a2-bd 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-items2740_9b80a2-bd kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2740_eeb5a6-ec .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-2740_eeb5a6-ec\"><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 informaci\u00f3n financiera y fiscal de la empresa.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_2d06da-69 .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-2740_2d06da-69\"><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\">Su experiencia en contratos de naturaleza y tama\u00f1o similares.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_68c348-ca .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-2740_68c348-ca\"><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\">Las caracter\u00edsticas de la obligaci\u00f3n que se pretende garantizar.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_1585f7-08 .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-2740_1585f7-08\"><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\">Las fianzas vigentes y la exposici\u00f3n total ya asumida.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_ba1710-84 .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-2740_ba1710-84\"><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\">Las garant\u00edas de recuperaci\u00f3n disponibles para respaldar la operaci\u00f3n.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_1b7224-3f, .wp-block-kadence-advancedheading.kt-adv-heading2740_1b7224-3f[data-kb-block=\"kb-adv-heading2740_1b7224-3f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_1b7224-3f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_1b7224-3f[data-kb-block=\"kb-adv-heading2740_1b7224-3f\"] 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-heading2740_1b7224-3f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_1b7224-3f[data-kb-block=\"kb-adv-heading2740_1b7224-3f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_1b7224-3f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_1b7224-3f\">Ninguno de estos factores se interpreta de forma aislada. Una debilidad financiera puede compensarse parcialmente con experiencia comprobada y una estructura contractual razonable. Del mismo modo, una empresa con buenos n\u00fameros puede generar reservas si el proyecto rebasa claramente su capacidad operativa.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_bd4f6d-fe > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_bd4f6d-fe > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_bd4f6d-fe > .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-id2740_bd4f6d-fe > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_bd4f6d-fe > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_bd4f6d-fe > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_bd4f6d-fe 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-column2740_10d0ea-db > .kt-inside-inner-col,.kadence-column2740_10d0ea-db > .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-column2740_10d0ea-db > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_10d0ea-db > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_10d0ea-db > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_10d0ea-db > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_10d0ea-db{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_10d0ea-db > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_10d0ea-db > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_10d0ea-db\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_46c323-fb, .wp-block-kadence-advancedheading.kt-adv-heading2740_46c323-fb[data-kb-block=\"kb-adv-heading2740_46c323-fb\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_46c323-fb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_46c323-fb[data-kb-block=\"kb-adv-heading2740_46c323-fb\"] 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-heading2740_46c323-fb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_46c323-fb[data-kb-block=\"kb-adv-heading2740_46c323-fb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_46c323-fb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_46c323-fb\">La trayectoria operativa tambi\u00e9n pesa<\/h2>\n\n\n\n<p style=\"line-height:1.5\">La experiencia previa ofrece informaci\u00f3n que los estados financieros no siempre muestran. Una empresa que ha concluido proyectos similares, administrado anticipos correctamente y cumplido obligaciones anteriores presenta un perfil distinto al de una organizaci\u00f3n que apenas comienza a asumir contratos de mayor dimensi\u00f3n.<\/p>\n\n\n\n<p>Esto no significa que una empresa joven no pueda obtener una fianza. Significa que deber\u00e1 demostrar de otra manera que cuenta con los recursos, el conocimiento y la estructura necesarios para ejecutar el compromiso.<\/p>\n\n\n\n<p>La evaluaci\u00f3n busca coherencia entre lo que la empresa ha hecho, lo que actualmente puede sostener y lo que el nuevo contrato le exige.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_1ad6db-06 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_1ad6db-06 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_1ad6db-06 > .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-id2740_1ad6db-06 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_1ad6db-06 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_1ad6db-06 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_1ad6db-06 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-column2740_b2bcdb-56 > .kt-inside-inner-col,.kadence-column2740_b2bcdb-56 > .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-column2740_b2bcdb-56 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_b2bcdb-56 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_b2bcdb-56 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_b2bcdb-56 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_b2bcdb-56{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_b2bcdb-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_b2bcdb-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_b2bcdb-56\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_5bda62-ca, .wp-block-kadence-advancedheading.kt-adv-heading2740_5bda62-ca[data-kb-block=\"kb-adv-heading2740_5bda62-ca\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_5bda62-ca mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_5bda62-ca[data-kb-block=\"kb-adv-heading2740_5bda62-ca\"] 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-heading2740_5bda62-ca img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_5bda62-ca[data-kb-block=\"kb-adv-heading2740_5bda62-ca\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_5bda62-ca wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_5bda62-ca\">Las garant\u00edas de recuperaci\u00f3n no sustituyen una operaci\u00f3n viable<\/h2>\n\n\n\n<p>En muchos casos, la afianzadora solicita garant\u00edas de recuperaci\u00f3n para respaldar la obligaci\u00f3n asumida. Estas pueden fortalecer el expediente, pero no convierten autom\u00e1ticamente una operaci\u00f3n d\u00e9bil en una solicitud aceptable.<\/p>\n\n\n\n<p>Si el contrato presenta riesgos excesivos, la empresa no tiene capacidad suficiente o la informaci\u00f3n financiera revela una posici\u00f3n comprometida, ofrecer mayores garant\u00edas no necesariamente resolver\u00e1 el problema.<\/p>\n\n\n\n<p>La base de una emisi\u00f3n sostenible sigue siendo que la obligaci\u00f3n tenga sentido frente a la capacidad real del solicitante.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_83e20f-1b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_83e20f-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_83e20f-1b > .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-id2740_83e20f-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_83e20f-1b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_83e20f-1b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_83e20f-1b 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-column2740_c20bab-cd > .kt-inside-inner-col,.kadence-column2740_c20bab-cd > .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-column2740_c20bab-cd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_c20bab-cd > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_c20bab-cd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_c20bab-cd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_c20bab-cd{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_c20bab-cd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_c20bab-cd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_c20bab-cd\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_442168-23, .wp-block-kadence-advancedheading.kt-adv-heading2740_442168-23[data-kb-block=\"kb-adv-heading2740_442168-23\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_442168-23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_442168-23[data-kb-block=\"kb-adv-heading2740_442168-23\"] 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-heading2740_442168-23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_442168-23[data-kb-block=\"kb-adv-heading2740_442168-23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_442168-23 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_442168-23\">Por qu\u00e9 dos empresas reciben condiciones diferentes<\/h2>\n\n\n\n<p>Incluso cuando dos empresas solicitan una fianza por un monto parecido, las condiciones pueden variar. La diferencia puede estar en la solidez financiera, la experiencia contractual, las obligaciones vigentes o el tipo de respaldo disponible.<\/p>\n\n\n\n<p>Tambi\u00e9n influye la relaci\u00f3n entre el valor del contrato y el tama\u00f1o de la compa\u00f1\u00eda. Un compromiso que resulta manejable para una organizaci\u00f3n puede representar una exposici\u00f3n considerable para otra.<\/p>\n\n\n\n<p>Por eso, el costo, los requisitos y la capacidad autorizada no dependen \u00fanicamente del monto solicitado. Responden al perfil completo de la operaci\u00f3n.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_f19e8a-13 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_f19e8a-13 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_f19e8a-13 > .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-id2740_f19e8a-13 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_f19e8a-13 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_f19e8a-13 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_f19e8a-13 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-column2740_90108b-9a > .kt-inside-inner-col,.kadence-column2740_90108b-9a > .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-column2740_90108b-9a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_90108b-9a > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_90108b-9a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_90108b-9a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_90108b-9a{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_90108b-9a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_90108b-9a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_90108b-9a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_3178cb-16, .wp-block-kadence-advancedheading.kt-adv-heading2740_3178cb-16[data-kb-block=\"kb-adv-heading2740_3178cb-16\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_3178cb-16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_3178cb-16[data-kb-block=\"kb-adv-heading2740_3178cb-16\"] 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-heading2740_3178cb-16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_3178cb-16[data-kb-block=\"kb-adv-heading2740_3178cb-16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2740_3178cb-16 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_3178cb-16\">Preparar la solicitud antes de que se vuelva urgente<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_90710c-21, .wp-block-kadence-advancedheading.kt-adv-heading2740_90710c-21[data-kb-block=\"kb-adv-heading2740_90710c-21\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_90710c-21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_90710c-21[data-kb-block=\"kb-adv-heading2740_90710c-21\"] 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-heading2740_90710c-21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_90710c-21[data-kb-block=\"kb-adv-heading2740_90710c-21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_90710c-21 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_90710c-21\">La evaluaci\u00f3n suele complicarse cuando la empresa comienza a reunir informaci\u00f3n despu\u00e9s de haber firmado el contrato o cuando la fecha de entrega de la fianza ya est\u00e1 pr\u00f3xima.<br>Prepararse con anticipaci\u00f3n permite presentar un expediente m\u00e1s consistente. Para ello conviene contar con:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_65a4c8-10:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_65a4c8-10 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-items2740_65a4c8-10 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_65a4c8-10 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_65a4c8-10 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2740_65a4c8-10 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-items2740_65a4c8-10 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2740_436445-62 .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-2740_436445-62\"><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\">Informaci\u00f3n financiera actualizada y congruente.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_b85bbd-93 .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-2740_b85bbd-93\"><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 contrato completo y sus anexos.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_629b01-f7 .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-2740_629b01-f7\"><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\">Un registro claro de las fianzas y obligaciones vigentes.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_0ff2ab-b3 .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-2740_0ff2ab-b3\"><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\">Evidencia de experiencia y capacidad para ejecutar el proyecto.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2740_2b02a1-9c, .wp-block-kadence-advancedheading.kt-adv-heading2740_2b02a1-9c[data-kb-block=\"kb-adv-heading2740_2b02a1-9c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_2b02a1-9c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_2b02a1-9c[data-kb-block=\"kb-adv-heading2740_2b02a1-9c\"] 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-heading2740_2b02a1-9c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_2b02a1-9c[data-kb-block=\"kb-adv-heading2740_2b02a1-9c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_2b02a1-9c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_2b02a1-9c\">Esta preparaci\u00f3n no garantiza por s\u00ed sola la autorizaci\u00f3n, pero facilita que la afianzadora valore la operaci\u00f3n con informaci\u00f3n suficiente y reduce correcciones que pueden retrasar la emisi\u00f3n.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_f4bf7c-97 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_f4bf7c-97 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_f4bf7c-97 > .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-id2740_f4bf7c-97 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_f4bf7c-97 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_f4bf7c-97 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_f4bf7c-97 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-column2740_abfad1-e1 > .kt-inside-inner-col,.kadence-column2740_abfad1-e1 > .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-column2740_abfad1-e1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_abfad1-e1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_abfad1-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_abfad1-e1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_abfad1-e1{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_abfad1-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_abfad1-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_abfad1-e1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_d6e9e2-fc, .wp-block-kadence-advancedheading.kt-adv-heading2740_d6e9e2-fc[data-kb-block=\"kb-adv-heading2740_d6e9e2-fc\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_d6e9e2-fc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_d6e9e2-fc[data-kb-block=\"kb-adv-heading2740_d6e9e2-fc\"] 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-heading2740_d6e9e2-fc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_d6e9e2-fc[data-kb-block=\"kb-adv-heading2740_d6e9e2-fc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_d6e9e2-fc wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_d6e9e2-fc\">Una afianzadora no eval\u00faa \u00fanicamente si una empresa necesita una fianza. Eval\u00faa si existe una relaci\u00f3n razonable entre su capacidad, el contrato que asumir\u00e1 y el riesgo que se solicita garantizar.<br>Conocer los criterios de revisi\u00f3n permite anticipar restricciones y evitar que la empresa descubra demasiado tarde que el compromiso firmado rebasa su capacidad de afianzamiento.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_e908e7-dd > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2740_e908e7-dd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2740_e908e7-dd > .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-id2740_e908e7-dd > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_e908e7-dd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_e908e7-dd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2740_e908e7-dd 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-column2740_8f0651-76 > .kt-inside-inner-col,.kadence-column2740_8f0651-76 > .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-column2740_8f0651-76 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_8f0651-76 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_8f0651-76 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_8f0651-76 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_8f0651-76{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_8f0651-76 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_8f0651-76 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_8f0651-76\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_54a550-09, .wp-block-kadence-advancedheading.kt-adv-heading2740_54a550-09[data-kb-block=\"kb-adv-heading2740_54a550-09\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2740_54a550-09 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_54a550-09[data-kb-block=\"kb-adv-heading2740_54a550-09\"] 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-heading2740_54a550-09 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_54a550-09[data-kb-block=\"kb-adv-heading2740_54a550-09\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading2740_54a550-09 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2740_54a550-09\">Lecturas recomendadas para profundizar<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_56465b-9b:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_56465b-9b 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-items2740_56465b-9b ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_56465b-9b .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2740_56465b-9b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2740_56465b-9b 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-items2740_56465b-9b kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2740_024476-d7 .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-2740_024476-d7\"><a href=\"https:\/\/arvenbrokers.mx\/como-afectan-las-fianzas-a-la-liquidez-de-una-empresa\/\" 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\">C\u00f3mo afectan las fianzas a la liquidez de una empresa<\/span><\/a><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_92ec97-49 .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-2740_92ec97-49\"><a href=\"https:\/\/arvenbrokers.mx\/el-impacto-financiero-de-una-mala-estructura-de-garantias\/\" 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\">El impacto financiero de una mala estructura de garant\u00edas<\/span><\/a><\/li>\n\n\n<style>.kt-svg-icon-list-item-2740_6378a5-1f .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-2740_6378a5-1f\"><a href=\"https:\/\/arvenbrokers.mx\/como-afectan-las-fianzas-a-la-liquidez-de-una-empresa\/\" 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\">Tipos de fianzas y cu\u00e1ndo se utiliza cada una<\/span><\/a><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2740_bf89b2-e5 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2740_bf89b2-e5 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2740_bf89b2-e5 > .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-id2740_bf89b2-e5 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2740_bf89b2-e5 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2740_bf89b2-e5 > .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-id2740_bf89b2-e5 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-column2740_925eb4-9b > .kt-inside-inner-col,.kadence-column2740_925eb4-9b > .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-column2740_925eb4-9b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_925eb4-9b > .kt-inside-inner-col{flex-direction:column;}.kadence-column2740_925eb4-9b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_925eb4-9b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_925eb4-9b{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_925eb4-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2740_925eb4-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_925eb4-9b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2740_887183-eb, .wp-block-kadence-advancedheading.kt-adv-heading2740_887183-eb[data-kb-block=\"kb-adv-heading2740_887183-eb\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2740_887183-eb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2740_887183-eb[data-kb-block=\"kb-adv-heading2740_887183-eb\"] 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-heading2740_887183-eb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2740_887183-eb[data-kb-block=\"kb-adv-heading2740_887183-eb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2740_887183-eb wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading2740_887183-eb\"><strong>Preparar la estructura financiera y contractual <\/strong>antes de solicitar una fianza <strong>permite proteger la capacidad disponible y responder con mayor agilidad<\/strong> cuando surge una nueva oportunidad.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2740_869b6a-b2 > .kt-inside-inner-col{display:flex;}.kadence-column2740_869b6a-b2 > .kt-inside-inner-col,.kadence-column2740_869b6a-b2 > .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-column2740_869b6a-b2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2740_869b6a-b2 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column2740_869b6a-b2 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column2740_869b6a-b2 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column2740_869b6a-b2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2740_869b6a-b2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2740_869b6a-b2{position:relative;}@media all and (max-width: 1024px){.kadence-column2740_869b6a-b2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column2740_869b6a-b2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2740_869b6a-b2\"><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>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La emisi\u00f3n empieza con una evaluaci\u00f3n, no con la p\u00f3liza. Una empresa puede tener un contrato firmado y una solicitud urgente, pero eso no significa&#8230;<\/p>","protected":false},"author":1,"featured_media":2763,"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-2740","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\/2740","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=2740"}],"version-history":[{"count":4,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2740\/revisions"}],"predecessor-version":[{"id":2764,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2740\/revisions\/2764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media\/2763"}],"wp:attachment":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media?parent=2740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/categories?post=2740"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/tags?post=2740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}