{"id":2747,"date":"2026-07-15T04:04:35","date_gmt":"2026-07-15T04:04:35","guid":{"rendered":"https:\/\/arvenbrokers.mx\/?p=2747"},"modified":"2026-07-15T04:08:55","modified_gmt":"2026-07-15T04:08:55","slug":"cuando-contratar-un-seguro-de-credito","status":"publish","type":"post","link":"https:\/\/arvenbrokers.mx\/en\/cuando-contratar-un-seguro-de-credito\/","title":{"rendered":"C\u00f3mo identificar cu\u00e1ndo el seguro de cr\u00e9dito deja de ser opcional"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_48c103-39, .wp-block-kadence-advancedheading.kt-adv-heading2747_48c103-39[data-kb-block=\"kb-adv-heading2747_48c103-39\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_48c103-39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_48c103-39[data-kb-block=\"kb-adv-heading2747_48c103-39\"] 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-heading2747_48c103-39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_48c103-39[data-kb-block=\"kb-adv-heading2747_48c103-39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_48c103-39 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_48c103-39\">La necesidad aparece antes del primer impago importante<\/h2>\n\n\n<style>.kb-row-layout-id2747_0892f1-9f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_0892f1-9f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_0892f1-9f > .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-id2747_0892f1-9f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_0892f1-9f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_0892f1-9f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_0892f1-9f 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-column2747_c89899-46 > .kt-inside-inner-col,.kadence-column2747_c89899-46 > .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-column2747_c89899-46 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_c89899-46 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_c89899-46 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_c89899-46 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_c89899-46{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_c89899-46 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_c89899-46 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_c89899-46\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_a75f74-30, .wp-block-kadence-advancedheading.kt-adv-heading2747_a75f74-30[data-kb-block=\"kb-adv-heading2747_a75f74-30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_a75f74-30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_a75f74-30[data-kb-block=\"kb-adv-heading2747_a75f74-30\"] 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-heading2747_a75f74-30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_a75f74-30[data-kb-block=\"kb-adv-heading2747_a75f74-30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_a75f74-30 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_a75f74-30\">Preguntarse <strong>cu\u00e1ndo contratar un seguro de cr\u00e9dito<\/strong> no deber\u00eda ser una reacci\u00f3n posterior a una p\u00e9rdida. La decisi\u00f3n adquiere sentido cuando el crecimiento de la cartera, la concentraci\u00f3n de clientes o los plazos otorgados comienzan a representar una exposici\u00f3n que la empresa ya no podr\u00eda absorber con facilidad.<br>Mientras los montos son moderados, un atraso puede resolverse con cobranza y ajustes internos. Esa l\u00f3gica cambia cuando una sola cuenta vencida tiene capacidad para presionar la liquidez, modificar el presupuesto o detener nuevas operaciones.<br>El seguro de cr\u00e9dito deja de ser opcional cuando el riesgo asumido por la empresa supera el margen razonable que puede conservar en su propio balance.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column2747_781ebd-4d > .kt-inside-inner-col,.kadence-column2747_781ebd-4d > .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-column2747_781ebd-4d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_781ebd-4d > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_781ebd-4d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_781ebd-4d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_781ebd-4d{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_781ebd-4d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_781ebd-4d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_781ebd-4d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image2747_f3af2a-56:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-bottom:0px;}.kb-image2747_f3af2a-56 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image2747_f3af2a-56\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven-1024x576.webp\" alt=\"Director financiero evaluando cu\u00e1ndo contratar un seguro de cr\u00e9dito para proteger la cartera.\" class=\"kb-img wp-image-2757\" srcset=\"https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven-1024x576.webp 1024w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven-300x169.webp 300w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven-768x432.webp 768w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven-1536x864.webp 1536w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven-18x10.webp 18w, https:\/\/arvenbrokers.mx\/wp-content\/uploads\/2026\/07\/cuando-contratar-seguro-credito-arven.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kb-row-layout-id2747_ca1994-ef > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_ca1994-ef > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_ca1994-ef > .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-id2747_ca1994-ef > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_ca1994-ef > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_ca1994-ef > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_ca1994-ef 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-column2747_49c04c-7e > .kt-inside-inner-col,.kadence-column2747_49c04c-7e > .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-column2747_49c04c-7e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_49c04c-7e > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_49c04c-7e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_49c04c-7e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_49c04c-7e{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_49c04c-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_49c04c-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_49c04c-7e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_8b5912-b2, .wp-block-kadence-advancedheading.kt-adv-heading2747_8b5912-b2[data-kb-block=\"kb-adv-heading2747_8b5912-b2\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_8b5912-b2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_8b5912-b2[data-kb-block=\"kb-adv-heading2747_8b5912-b2\"] 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-heading2747_8b5912-b2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_8b5912-b2[data-kb-block=\"kb-adv-heading2747_8b5912-b2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_8b5912-b2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_8b5912-b2\">Vender m\u00e1s no siempre significa estar mejor protegido<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_3f793c-da, .wp-block-kadence-advancedheading.kt-adv-heading2747_3f793c-da[data-kb-block=\"kb-adv-heading2747_3f793c-da\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_3f793c-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_3f793c-da[data-kb-block=\"kb-adv-heading2747_3f793c-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-heading2747_3f793c-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_3f793c-da[data-kb-block=\"kb-adv-heading2747_3f793c-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_3f793c-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_3f793c-da\">Una empresa puede aumentar su facturaci\u00f3n, incorporar clientes relevantes y extender su presencia comercial sin actualizar la forma en que administra las cuentas por cobrar.<br>En ese escenario, el crecimiento ampl\u00eda dos cosas al mismo tiempo: los ingresos potenciales y el dinero que permanece expuesto hasta recibir el pago. Si los procesos de evaluaci\u00f3n, seguimiento y protecci\u00f3n no evolucionan, la operaci\u00f3n se vuelve m\u00e1s dependiente del cumplimiento de terceros.<br>La pregunta no es \u00fanicamente cu\u00e1nto est\u00e1 vendiendo la empresa. Tambi\u00e9n importa cu\u00e1nto capital tiene comprometido en ventas todav\u00eda no cobradas.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_0c022c-1d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_0c022c-1d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_0c022c-1d > .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-id2747_0c022c-1d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_0c022c-1d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_0c022c-1d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_0c022c-1d 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-column2747_07177c-3f > .kt-inside-inner-col,.kadence-column2747_07177c-3f > .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-column2747_07177c-3f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_07177c-3f > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_07177c-3f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_07177c-3f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_07177c-3f{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_07177c-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_07177c-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_07177c-3f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_4fbc9a-3d, .wp-block-kadence-advancedheading.kt-adv-heading2747_4fbc9a-3d[data-kb-block=\"kb-adv-heading2747_4fbc9a-3d\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_4fbc9a-3d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_4fbc9a-3d[data-kb-block=\"kb-adv-heading2747_4fbc9a-3d\"] 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-heading2747_4fbc9a-3d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_4fbc9a-3d[data-kb-block=\"kb-adv-heading2747_4fbc9a-3d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_4fbc9a-3d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_4fbc9a-3d\">Se\u00f1ales de que la exposici\u00f3n ya cambi\u00f3 de escala<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_182390-fa, .wp-block-kadence-advancedheading.kt-adv-heading2747_182390-fa[data-kb-block=\"kb-adv-heading2747_182390-fa\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_182390-fa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_182390-fa[data-kb-block=\"kb-adv-heading2747_182390-fa\"] 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-heading2747_182390-fa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_182390-fa[data-kb-block=\"kb-adv-heading2747_182390-fa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_182390-fa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_182390-fa\">No existe un monto universal a partir del cual todas las empresas necesiten un seguro de cr\u00e9dito. La decisi\u00f3n depende del tama\u00f1o del negocio, su liquidez, el perfil de sus clientes y la capacidad que tenga para absorber una p\u00e9rdida.<br>Sin embargo, ciertas condiciones indican que el riesgo comercial ya merece una estructura m\u00e1s s\u00f3lida:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_6d4cb2-01:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_6d4cb2-01 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-items2747_6d4cb2-01 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_6d4cb2-01 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_6d4cb2-01 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2747_6d4cb2-01 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-items2747_6d4cb2-01 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2747_cc247b-89 .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-2747_cc247b-89\"><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\">Uno o pocos clientes concentran una parte relevante de las cuentas por cobrar.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_841e76-fc .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-2747_841e76-fc\"><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\">Los plazos de pago se han extendido para sostener el crecimiento comercial.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_7a5a22-05 .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-2747_7a5a22-05\"><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 empresa vende a compa\u00f1\u00edas sobre las que dispone de informaci\u00f3n limitada.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_d3f3f7-f2 .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-2747_d3f3f7-f2\"><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 incumplimiento importante obligar\u00eda a solicitar financiamiento o reducir operaciones.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_5e70e8-3f .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-2747_5e70e8-3f\"><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 expansi\u00f3n hacia nuevos mercados dificulta evaluar y cobrar directamente a cada cliente.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_2ec49f-31, .wp-block-kadence-advancedheading.kt-adv-heading2747_2ec49f-31[data-kb-block=\"kb-adv-heading2747_2ec49f-31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_2ec49f-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_2ec49f-31[data-kb-block=\"kb-adv-heading2747_2ec49f-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2747_2ec49f-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_2ec49f-31[data-kb-block=\"kb-adv-heading2747_2ec49f-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_2ec49f-31 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_2ec49f-31\">Una sola se\u00f1al puede no ser concluyente. Cuando varias coinciden, operar sin respaldo significa conservar una exposici\u00f3n que puede ser desproporcionada frente a la capacidad financiera del negocio.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_cb92ea-1a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_cb92ea-1a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_cb92ea-1a > .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-id2747_cb92ea-1a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_cb92ea-1a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_cb92ea-1a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_cb92ea-1a 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-column2747_07e0c9-46 > .kt-inside-inner-col,.kadence-column2747_07e0c9-46 > .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-column2747_07e0c9-46 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_07e0c9-46 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_07e0c9-46 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_07e0c9-46 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_07e0c9-46{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_07e0c9-46 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_07e0c9-46 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_07e0c9-46\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_f29b58-2d, .wp-block-kadence-advancedheading.kt-adv-heading2747_f29b58-2d[data-kb-block=\"kb-adv-heading2747_f29b58-2d\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_f29b58-2d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_f29b58-2d[data-kb-block=\"kb-adv-heading2747_f29b58-2d\"] 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-heading2747_f29b58-2d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_f29b58-2d[data-kb-block=\"kb-adv-heading2747_f29b58-2d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_f29b58-2d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_f29b58-2d\">La capacidad de absorber una p\u00e9rdida es el punto de referencia<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_e76174-55, .wp-block-kadence-advancedheading.kt-adv-heading2747_e76174-55[data-kb-block=\"kb-adv-heading2747_e76174-55\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_e76174-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_e76174-55[data-kb-block=\"kb-adv-heading2747_e76174-55\"] 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-heading2747_e76174-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_e76174-55[data-kb-block=\"kb-adv-heading2747_e76174-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_e76174-55 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_e76174-55\">El an\u00e1lisis no deber\u00eda comenzar preguntando cu\u00e1nto cuesta la p\u00f3liza, sino cu\u00e1nto costar\u00eda un impago relevante.<br>Una cuenta incobrable no afecta \u00fanicamente el margen de la venta. Tambi\u00e9n puede obligar a financiar la operaci\u00f3n, retrasar pagos a proveedores, reducir el capital destinado a nuevos proyectos o exigir ventas adicionales para recuperar la p\u00e9rdida.<br>Por eso, la decisi\u00f3n debe considerar el efecto completo de un incumplimiento. Si la empresa no puede absorberlo sin alterar su operaci\u00f3n, transferir una parte del riesgo deja de ser una medida preventiva secundaria.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_f10db2-ee > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_f10db2-ee > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_f10db2-ee > .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-id2747_f10db2-ee > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_f10db2-ee > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_f10db2-ee > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_f10db2-ee 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-column2747_3f48e4-00 > .kt-inside-inner-col,.kadence-column2747_3f48e4-00 > .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-column2747_3f48e4-00 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_3f48e4-00 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_3f48e4-00 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_3f48e4-00 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_3f48e4-00{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_3f48e4-00 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_3f48e4-00 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_3f48e4-00\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_7c203c-b1, .wp-block-kadence-advancedheading.kt-adv-heading2747_7c203c-b1[data-kb-block=\"kb-adv-heading2747_7c203c-b1\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_7c203c-b1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_7c203c-b1[data-kb-block=\"kb-adv-heading2747_7c203c-b1\"] 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-heading2747_7c203c-b1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_7c203c-b1[data-kb-block=\"kb-adv-heading2747_7c203c-b1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_7c203c-b1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_7c203c-b1\">Cu\u00e1ndo contratar un seguro de cr\u00e9dito<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_237d00-63, .wp-block-kadence-advancedheading.kt-adv-heading2747_237d00-63[data-kb-block=\"kb-adv-heading2747_237d00-63\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_237d00-63 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_237d00-63[data-kb-block=\"kb-adv-heading2747_237d00-63\"] 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-heading2747_237d00-63 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_237d00-63[data-kb-block=\"kb-adv-heading2747_237d00-63\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_237d00-63 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_237d00-63\">El momento adecuado no necesariamente coincide con una crisis. En muchos casos, surge durante una etapa favorable: la empresa est\u00e1 vendiendo m\u00e1s, ampl\u00eda l\u00edmites de cr\u00e9dito o accede a clientes de mayor tama\u00f1o.<br>Conviene evaluar formalmente esta protecci\u00f3n cuando:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_3b982f-01:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_3b982f-01 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-items2747_3b982f-01 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_3b982f-01 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_3b982f-01 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2747_3b982f-01 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-items2747_3b982f-01 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2747_1f07b8-7d .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-2747_1f07b8-7d\"><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 crecimiento de la cartera supera la capacidad interna de an\u00e1lisis y seguimiento.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_9160f5-42 .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-2747_9160f5-42\"><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 concentraci\u00f3n por cliente comienza a condicionar el flujo de efectivo.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_341a9e-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-2747_341a9e-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\">La empresa necesita vender a cr\u00e9dito para competir o entrar a nuevas cuentas.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_a42a1e-a3 .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-2747_a42a1e-a3\"><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 disponible ya no permite evaluar con suficiente certeza a todos los compradores.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_1f3ec2-73 .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-2747_1f3ec2-73\"><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 continuidad del negocio depende de recuperar puntualmente una proporci\u00f3n elevada de sus ventas.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_285e7f-42, .wp-block-kadence-advancedheading.kt-adv-heading2747_285e7f-42[data-kb-block=\"kb-adv-heading2747_285e7f-42\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_285e7f-42 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_285e7f-42[data-kb-block=\"kb-adv-heading2747_285e7f-42\"] 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-heading2747_285e7f-42 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_285e7f-42[data-kb-block=\"kb-adv-heading2747_285e7f-42\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_285e7f-42 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_285e7f-42\">Estas condiciones no significan que la empresa deba dejar de vender a cr\u00e9dito. Indican que la exposici\u00f3n ya requiere una estructura proporcional al tama\u00f1o que alcanz\u00f3 la operaci\u00f3n.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_d1699c-90 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_d1699c-90 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_d1699c-90 > .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-id2747_d1699c-90 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_d1699c-90 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_d1699c-90 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_d1699c-90 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-column2747_89b071-a2 > .kt-inside-inner-col,.kadence-column2747_89b071-a2 > .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-column2747_89b071-a2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_89b071-a2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_89b071-a2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_89b071-a2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_89b071-a2{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_89b071-a2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_89b071-a2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_89b071-a2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_24f892-71, .wp-block-kadence-advancedheading.kt-adv-heading2747_24f892-71[data-kb-block=\"kb-adv-heading2747_24f892-71\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_24f892-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_24f892-71[data-kb-block=\"kb-adv-heading2747_24f892-71\"] 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-heading2747_24f892-71 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_24f892-71[data-kb-block=\"kb-adv-heading2747_24f892-71\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_24f892-71 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_24f892-71\">El valor no comienza con la indemnizaci\u00f3n<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_70fd17-4b, .wp-block-kadence-advancedheading.kt-adv-heading2747_70fd17-4b[data-kb-block=\"kb-adv-heading2747_70fd17-4b\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_70fd17-4b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_70fd17-4b[data-kb-block=\"kb-adv-heading2747_70fd17-4b\"] 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-heading2747_70fd17-4b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_70fd17-4b[data-kb-block=\"kb-adv-heading2747_70fd17-4b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_70fd17-4b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_70fd17-4b\">Reducir el seguro de cr\u00e9dito al pago de una p\u00e9rdida ofrece una visi\u00f3n incompleta. Su utilidad tambi\u00e9n est\u00e1 en fortalecer la evaluaci\u00f3n de compradores, establecer l\u00edmites coherentes y mantener una vigilancia m\u00e1s ordenada sobre la cartera.<br>Esto permite que las decisiones comerciales no dependan \u00fanicamente del potencial de una venta o de la experiencia hist\u00f3rica con el cliente. La empresa incorpora informaci\u00f3n adicional para decidir cu\u00e1nto cr\u00e9dito otorgar, bajo qu\u00e9 condiciones y con qu\u00e9 nivel de exposici\u00f3n.<br>La indemnizaci\u00f3n importa cuando el impago se materializa. El control empieza mucho antes.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_e8c5d7-44 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_e8c5d7-44 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_e8c5d7-44 > .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-id2747_e8c5d7-44 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_e8c5d7-44 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_e8c5d7-44 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_e8c5d7-44 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-column2747_ee0ee6-6c > .kt-inside-inner-col,.kadence-column2747_ee0ee6-6c > .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-column2747_ee0ee6-6c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_ee0ee6-6c > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_ee0ee6-6c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_ee0ee6-6c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_ee0ee6-6c{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_ee0ee6-6c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_ee0ee6-6c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_ee0ee6-6c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_eb65e0-9e, .wp-block-kadence-advancedheading.kt-adv-heading2747_eb65e0-9e[data-kb-block=\"kb-adv-heading2747_eb65e0-9e\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_eb65e0-9e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_eb65e0-9e[data-kb-block=\"kb-adv-heading2747_eb65e0-9e\"] 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-heading2747_eb65e0-9e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_eb65e0-9e[data-kb-block=\"kb-adv-heading2747_eb65e0-9e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_eb65e0-9e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_eb65e0-9e\">Proteger la cartera no significa delegar su administraci\u00f3n<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_684c5f-17, .wp-block-kadence-advancedheading.kt-adv-heading2747_684c5f-17[data-kb-block=\"kb-adv-heading2747_684c5f-17\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_684c5f-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_684c5f-17[data-kb-block=\"kb-adv-heading2747_684c5f-17\"] 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-heading2747_684c5f-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_684c5f-17[data-kb-block=\"kb-adv-heading2747_684c5f-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_684c5f-17 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_684c5f-17\">Contar con seguro de cr\u00e9dito no sustituye la disciplina interna. La empresa sigue necesitando pol\u00edticas claras, documentaci\u00f3n suficiente, seguimiento de vencimientos y coordinaci\u00f3n entre ventas, finanzas y cobranza.<br>Para que la protecci\u00f3n funcione de acuerdo con su prop\u00f3sito, la operaci\u00f3n debe respetar los l\u00edmites, plazos y condiciones establecidos. Autorizar excepciones sin control o notificar tarde un deterioro puede reducir la efectividad de la estructura.<br>El respaldo funciona mejor cuando forma parte de la gesti\u00f3n cotidiana y no cuando se consulta \u00fanicamente despu\u00e9s del incumplimiento.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_f22afc-08 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_f22afc-08 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_f22afc-08 > .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-id2747_f22afc-08 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_f22afc-08 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_f22afc-08 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_f22afc-08 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-column2747_088a06-6b > .kt-inside-inner-col,.kadence-column2747_088a06-6b > .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-column2747_088a06-6b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_088a06-6b > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_088a06-6b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_088a06-6b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_088a06-6b{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_088a06-6b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_088a06-6b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_088a06-6b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_07e690-50, .wp-block-kadence-advancedheading.kt-adv-heading2747_07e690-50[data-kb-block=\"kb-adv-heading2747_07e690-50\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_07e690-50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_07e690-50[data-kb-block=\"kb-adv-heading2747_07e690-50\"] 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-heading2747_07e690-50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_07e690-50[data-kb-block=\"kb-adv-heading2747_07e690-50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2747_07e690-50 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_07e690-50\">Una decisi\u00f3n vinculada con la continuidad<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2747_6f1cd8-be, .wp-block-kadence-advancedheading.kt-adv-heading2747_6f1cd8-be[data-kb-block=\"kb-adv-heading2747_6f1cd8-be\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_6f1cd8-be mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_6f1cd8-be[data-kb-block=\"kb-adv-heading2747_6f1cd8-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-heading2747_6f1cd8-be img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_6f1cd8-be[data-kb-block=\"kb-adv-heading2747_6f1cd8-be\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_6f1cd8-be wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_6f1cd8-be\">El seguro de cr\u00e9dito se vuelve especialmente relevante cuando la empresa ya no puede tratar cada impago como un incidente aislado. A mayor volumen de cartera, cualquier deterioro puede tener consecuencias sobre el conjunto de la operaci\u00f3n.<br>En ese nivel, proteger las cuentas por cobrar no responde solamente a una pol\u00edtica de cobranza. Se relaciona con la estabilidad del flujo, la posibilidad de financiar crecimiento y la capacidad de mantener compromisos incluso cuando un cliente no paga.<br>La decisi\u00f3n deja de ser opcional cuando la continuidad depende demasiado de recursos que todav\u00eda est\u00e1n en manos de terceros.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_5754d9-03 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_5754d9-03 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_5754d9-03 > .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-id2747_5754d9-03 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_5754d9-03 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_5754d9-03 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_5754d9-03 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-column2747_fb9033-2a > .kt-inside-inner-col,.kadence-column2747_fb9033-2a > .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-column2747_fb9033-2a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_fb9033-2a > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_fb9033-2a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_fb9033-2a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_fb9033-2a{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_fb9033-2a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_fb9033-2a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_fb9033-2a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_962fb9-34, .wp-block-kadence-advancedheading.kt-adv-heading2747_962fb9-34[data-kb-block=\"kb-adv-heading2747_962fb9-34\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_962fb9-34 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_962fb9-34[data-kb-block=\"kb-adv-heading2747_962fb9-34\"] 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-heading2747_962fb9-34 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_962fb9-34[data-kb-block=\"kb-adv-heading2747_962fb9-34\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_962fb9-34 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_962fb9-34\">No existe una fecha exacta en la que una empresa deba contratar un seguro de cr\u00e9dito. S\u00ed existe un momento en el que conservar toda la exposici\u00f3n deja de ser coherente con su tama\u00f1o, su cartera y su capacidad financiera.<br>Reconocerlo antes de sufrir una p\u00e9rdida permite incorporar protecci\u00f3n mientras la empresa todav\u00eda puede decidir con orden, y no bajo la presi\u00f3n de recuperar liquidez.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_d5d658-c7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2747_d5d658-c7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2747_d5d658-c7 > .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-id2747_d5d658-c7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_d5d658-c7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_d5d658-c7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2747_d5d658-c7 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-column2747_4be5d5-52 > .kt-inside-inner-col,.kadence-column2747_4be5d5-52 > .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-column2747_4be5d5-52 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_4be5d5-52 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_4be5d5-52 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_4be5d5-52 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_4be5d5-52{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_4be5d5-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_4be5d5-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_4be5d5-52\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_84a584-02, .wp-block-kadence-advancedheading.kt-adv-heading2747_84a584-02[data-kb-block=\"kb-adv-heading2747_84a584-02\"]{font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2747_84a584-02 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_84a584-02[data-kb-block=\"kb-adv-heading2747_84a584-02\"] 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-heading2747_84a584-02 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_84a584-02[data-kb-block=\"kb-adv-heading2747_84a584-02\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading2747_84a584-02 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2747_84a584-02\">Lecturas recomendadas para profundizar<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_01da66-17:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_01da66-17 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-items2747_01da66-17 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_01da66-17 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items2747_01da66-17 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2747_01da66-17 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-items2747_01da66-17 .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-items2747_01da66-17 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-2747_fc72ab-98 .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-2747_fc72ab-98\"><a href=\"https:\/\/arvenbrokers.mx\/como-identificar-clientes-de-alto-riesgo-antes-de-venderles\/\" 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 identificar clientes de alto riesgo antes de venderles<\/span><\/a><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_c22ce1-d5 .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-2747_c22ce1-d5\"><a href=\"https:\/\/arvenbrokers.mx\/errores-estructurales-al-escalar-ventas-a-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\">Errores estructurales al escalar ventas a cr\u00e9dito<\/span><\/a><\/li>\n\n\n<style>.kt-svg-icon-list-item-2747_fe7053-88 .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-2747_fe7053-88\"><a href=\"https:\/\/arvenbrokers.mx\/diferencias-entre-vender-a-credito-con-y-sin-respaldo\/\" 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\">Diferencias entre vender a cr\u00e9dito con y sin respaldo<\/span><\/a><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2747_8d7912-12 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2747_8d7912-12 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2747_8d7912-12 > .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-id2747_8d7912-12 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2747_8d7912-12 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2747_8d7912-12 > .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-id2747_8d7912-12 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-column2747_55d16c-a6 > .kt-inside-inner-col,.kadence-column2747_55d16c-a6 > .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-column2747_55d16c-a6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_55d16c-a6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2747_55d16c-a6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_55d16c-a6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_55d16c-a6{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_55d16c-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2747_55d16c-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_55d16c-a6\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2747_f2b36e-56, .wp-block-kadence-advancedheading.kt-adv-heading2747_f2b36e-56[data-kb-block=\"kb-adv-heading2747_f2b36e-56\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2747_f2b36e-56 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2747_f2b36e-56[data-kb-block=\"kb-adv-heading2747_f2b36e-56\"] 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-heading2747_f2b36e-56 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2747_f2b36e-56[data-kb-block=\"kb-adv-heading2747_f2b36e-56\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2747_f2b36e-56 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading2747_f2b36e-56\">Cuando las cuentas por cobrar adquieren un peso relevante en la operaci\u00f3n, estructurar su protecci\u00f3n permite sostener el crecimiento sin concentrar todo el riesgo dentro de la empresa.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2747_2ac89d-96 > .kt-inside-inner-col{display:flex;}.kadence-column2747_2ac89d-96 > .kt-inside-inner-col,.kadence-column2747_2ac89d-96 > .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-column2747_2ac89d-96 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2747_2ac89d-96 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column2747_2ac89d-96 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column2747_2ac89d-96 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column2747_2ac89d-96 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2747_2ac89d-96 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2747_2ac89d-96{position:relative;}@media all and (max-width: 1024px){.kadence-column2747_2ac89d-96 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column2747_2ac89d-96 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2747_2ac89d-96\"><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>La necesidad aparece antes del primer impago importante Preguntarse cu\u00e1ndo contratar un seguro de cr\u00e9dito no deber\u00eda ser una reacci\u00f3n posterior a una p\u00e9rdida. La&#8230;<\/p>","protected":false},"author":1,"featured_media":2757,"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-2747","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\/2747","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=2747"}],"version-history":[{"count":3,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2747\/revisions"}],"predecessor-version":[{"id":2772,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/posts\/2747\/revisions\/2772"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media\/2757"}],"wp:attachment":[{"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/media?parent=2747"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/categories?post=2747"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvenbrokers.mx\/en\/wp-json\/wp\/v2\/tags?post=2747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}