{"id":2049,"date":"2025-09-16T20:27:48","date_gmt":"2025-09-16T20:27:48","guid":{"rendered":"https:\/\/mariselavasquez.es\/?p=2049"},"modified":"2025-09-16T20:28:31","modified_gmt":"2025-09-16T20:28:31","slug":"5-errores-comunes-al-buscar-financiacion","status":"publish","type":"post","link":"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/","title":{"rendered":"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos)"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2049\" class=\"elementor elementor-2049\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d9f9aa e-flex e-con-boxed e-con e-parent\" data-id=\"8d9f9aa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d98b5a elementor-widget elementor-widget-image\" data-id=\"4d98b5a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/microcredito-paso-a-paso-marisela-vasquez-7-1024x576.png\" class=\"attachment-large size-large wp-image-2056\" alt=\"\" srcset=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/microcredito-paso-a-paso-marisela-vasquez-7-1024x576.png 1024w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/microcredito-paso-a-paso-marisela-vasquez-7-300x169.png 300w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/microcredito-paso-a-paso-marisela-vasquez-7-768x432.png 768w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/microcredito-paso-a-paso-marisela-vasquez-7-18x10.png 18w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/microcredito-paso-a-paso-marisela-vasquez-7.png 1280w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f536ed0 e-flex e-con-boxed e-con e-parent\" data-id=\"f536ed0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1130a3d elementor-widget elementor-widget-text-editor\" data-id=\"1130a3d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Conseguir financiaci\u00f3n para un negocio no depende solo de una buena idea. Las entidades analizan <strong data-start=\"287\" data-end=\"348\">viabilidad, capacidad de pago y coherencia del expediente<\/strong>. A continuaci\u00f3n se presentan los <strong data-start=\"382\" data-end=\"414\">cinco errores m\u00e1s frecuentes<\/strong> y las <strong data-start=\"421\" data-end=\"443\">acciones concretas<\/strong> para evitarlos.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4107a67 e-flex e-con-boxed e-con e-parent\" data-id=\"4107a67\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca326e8 elementor-widget elementor-widget-heading\" data-id=\"ca326e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1) Presentar un expediente incompleto o desordenado<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bdc118 elementor-widget elementor-widget-text-editor\" data-id=\"4bdc118\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"521\" data-end=\"670\"><strong data-start=\"521\" data-end=\"537\">El problema:<\/strong> faltan documentos, hay versiones contradictorias o el material llega sin estructura. Esto ralentiza o descarrila el tr\u00e1mite.<\/p><p data-start=\"672\" data-end=\"702\"><strong data-start=\"672\" data-end=\"702\">C\u00f3mo evitarlo (checklist):<\/strong><\/p><ul data-start=\"703\" data-end=\"1131\"><li data-start=\"703\" data-end=\"983\"><p data-start=\"705\" data-end=\"983\">\u00cdndice y carpeta \u00fanica con <strong data-start=\"733\" data-end=\"752\">plan de empresa<\/strong>, <strong>plan<\/strong> <strong data-start=\"754\" data-end=\"775\">financiero<\/strong>\u00a0(P&amp;L, tesorer\u00eda, punto de equilibrio, escenarios), <strong data-start=\"827\" data-end=\"846\">CV\/vida laboral<\/strong>, <strong data-start=\"848\" data-end=\"882\">presupuestos\/facturas proforma<\/strong>, <strong data-start=\"884\" data-end=\"910\">contratos\/precontratos<\/strong> (si aplica), <strong data-start=\"924\" data-end=\"937\">licencias<\/strong> y <strong data-start=\"940\" data-end=\"982\">justificaci\u00f3n de fondos propios\/ayudas<\/strong>.<\/p><\/li><li data-start=\"984\" data-end=\"1051\"><p data-start=\"986\" data-end=\"1051\">Fechas y <strong data-start=\"995\" data-end=\"1009\">coherencia<\/strong> entre plan, cifras y documentos adjuntos.<\/p><\/li><li data-start=\"1052\" data-end=\"1131\"><p data-start=\"1054\" data-end=\"1131\">Un <strong data-start=\"1057\" data-end=\"1092\">resumen ejecutivo (1\u20132 p\u00e1ginas)<\/strong> que un gestor pueda leer en 5 minutos.<\/p><\/li><\/ul><p data-start=\"1054\" data-end=\"1131\">Tip: usar una <strong data-start=\"1153\" data-end=\"1175\">plantilla y modelos est\u00e1ndar<\/strong> (p. ej., la estructura t\u00edpica que piden microcr\u00e9ditos como MicroBank) ayuda a hablar el mismo \u201cidioma\u201d que la oficina.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca29c1a e-flex e-con-boxed e-con e-parent\" data-id=\"ca29c1a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eea081b elementor-widget elementor-widget-heading\" data-id=\"eea081b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2) Pedir importes\/plazos que no encajan con la capacidad de pago<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-113dde6 elementor-widget elementor-widget-text-editor\" data-id=\"113dde6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"1369\" data-end=\"1515\"><strong data-start=\"521\" data-end=\"537\">El problema:<\/strong> la cuota mensual no se sostiene con el flujo de caja del negocio, o el plazo es demasiado corto\/largo para el ciclo de inversi\u00f3n.<\/p><p data-start=\"1517\" data-end=\"1535\"><strong data-start=\"1517\" data-end=\"1535\">C\u00f3mo evitarlo:<\/strong><\/p><ul data-start=\"1536\" data-end=\"2069\"><li data-start=\"1536\" data-end=\"1705\"><p data-start=\"1538\" data-end=\"1705\">Calcular <strong data-start=\"1547\" data-end=\"1555\">DSCR<\/strong> (Debt Service Coverage Ratio):<br data-start=\"1586\" data-end=\"1589\" \/><strong data-start=\"1591\" data-end=\"1648\">DSCR = Flujo de caja operativo \/ Cuota anual de deuda<\/strong>.<br data-start=\"1649\" data-end=\"1652\" \/>Objetivo pr\u00e1ctico: <strong data-start=\"1673\" data-end=\"1686\">\u2265 1,2\u20131,3<\/strong> en escenario base.<\/p><\/li><li data-start=\"1706\" data-end=\"1793\"><p data-start=\"1708\" data-end=\"1793\">Modelar previsi\u00f3n de ventas mensual<strong data-start=\"1716\" data-end=\"1751\"> (12\u201336 meses)<\/strong> y estacionalidad con estimaciones conservadoras a pesimista.<\/p><\/li><li data-start=\"1794\" data-end=\"1981\"><p data-start=\"1796\" data-end=\"1981\">Ajustar <strong data-start=\"1804\" data-end=\"1815\">importe<\/strong> (evitar pedir \u201cde m\u00e1s\u201d para circulante sin justificar) y <strong data-start=\"1873\" data-end=\"1882\">plazo<\/strong> (alineado al retorno de la inversi\u00f3n: capex largo \u2192 plazo mayor; marketing puntual \u2192 plazo corto).<\/p><\/li><li data-start=\"1794\" data-end=\"1981\">Incluir tesorer\u00eda de la menos 3 meses de coste fijos.<\/li><li data-start=\"1982\" data-end=\"2069\"><p data-start=\"1984\" data-end=\"2069\">Incluir <strong data-start=\"1992\" data-end=\"2002\">plan B<\/strong> (escenario conservador): \u00bfqu\u00e9 pasa si ventas tardan 3\u20136 meses m\u00e1s?<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e31ffa8 e-flex e-con-boxed e-con e-parent\" data-id=\"e31ffa8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed39bf7 elementor-widget elementor-widget-heading\" data-id=\"ed39bf7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3) Suposiciones sin evidencia: mercado, precios y m\u00e1rgenes \u201cal aire\u201d<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92e7593 elementor-widget elementor-widget-text-editor\" data-id=\"92e7593\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"2148\" data-end=\"2272\"><strong data-start=\"2148\" data-end=\"2164\">El problema:<\/strong> previsiones de ventas sin comparables, costes infraestimados y m\u00e1rgenes que no resisten un an\u00e1lisis m\u00ednimo.<\/p><p data-start=\"2274\" data-end=\"2292\"><strong data-start=\"2274\" data-end=\"2292\">C\u00f3mo evitarlo:<\/strong><\/p><ul data-start=\"2293\" data-end=\"2704\"><li data-start=\"2293\" data-end=\"2411\"><p data-start=\"2295\" data-end=\"2411\"><strong data-start=\"2295\" data-end=\"2321\">Un buen estudio de mercado con datos reales y evidencias de demanda, <\/strong>encuestas cualificadas, reservas, cartas de inter\u00e9s, negociaciones, anal\u00edtica web, pruebas piloto (MVP) ,primeras ventas&#8230;<\/p><\/li><li data-start=\"2412\" data-end=\"2485\"><p data-start=\"2414\" data-end=\"2485\"><strong data-start=\"2414\" data-end=\"2438\">Benchmark de precios + <\/strong>un buen posicionamiento \u00a0y estructura de costes de competidores\/sector.<\/p><\/li><li data-start=\"2486\" data-end=\"2577\"><p data-start=\"2488\" data-end=\"2577\"><strong data-start=\"2488\" data-end=\"2504\">Sensibilidad,<\/strong>\u00a0variaciones de \u00b110\u201320 % en ventas\/costes y su impacto en margen y caja.<\/p><\/li><li data-start=\"2578\" data-end=\"2704\"><p data-start=\"2580\" data-end=\"2704\"><strong data-start=\"2580\" data-end=\"2600\">Unidad econ\u00f3mica<\/strong> (por canal): CAC, ticket medio, LTV, payback. Sin estos ratios, el plan de marketing y comercializaci\u00f3n queda flojo.<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a340728 e-flex e-con-boxed e-con e-parent\" data-id=\"a340728\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d640160 elementor-widget elementor-widget-heading\" data-id=\"d640160\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4) No justificar el uso de fondos ni su calendario<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b43441 elementor-widget elementor-widget-text-editor\" data-id=\"7b43441\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"2765\" data-end=\"2924\"><strong data-start=\"2765\" data-end=\"2781\">El problema:<\/strong> la entidad no ve con claridad <strong data-start=\"2812\" data-end=\"2822\">en qu\u00e9<\/strong> se invertir\u00e1 el dinero ni <strong data-start=\"2849\" data-end=\"2859\">cu\u00e1ndo<\/strong>; hay partidas no financiables o <strong data-start=\"2892\" data-end=\"2923\">cofinanciaci\u00f3n incompatible<\/strong>.<\/p><p data-start=\"2926\" data-end=\"2944\"><strong data-start=\"2926\" data-end=\"2944\">C\u00f3mo evitarlo:<\/strong><\/p><ul data-start=\"2945\" data-end=\"3386\"><li data-start=\"2945\" data-end=\"3025\"><p data-start=\"2947\" data-end=\"3025\"><strong data-start=\"2947\" data-end=\"2972\">Desglose de inversi\u00f3n<\/strong> (capex\/opex) con <strong data-start=\"2990\" data-end=\"3015\">proformas y contratos<\/strong> reales.<\/p><\/li><li data-start=\"3026\" data-end=\"3123\"><p data-start=\"3028\" data-end=\"3123\"><strong data-start=\"3028\" data-end=\"3057\">Calendario de desembolsos<\/strong>: qu\u00e9 se paga antes\/despu\u00e9s de la firma y con qu\u00e9 justificantes.<\/p><\/li><li data-start=\"3124\" data-end=\"3268\"><p data-start=\"3126\" data-end=\"3268\">Alinear el <strong data-start=\"3137\" data-end=\"3158\">destino de fondos<\/strong> con lo que acepta el producto (por ejemplo, ciertos microcr\u00e9ditos admiten parte de circulante con l\u00edmites).<\/p><\/li><li data-start=\"3269\" data-end=\"3386\"><p data-start=\"3271\" data-end=\"3386\">Evitar mezclar ayudas o pr\u00e9stamos con <strong data-start=\"3309\" data-end=\"3344\">restricciones de cofinanciaci\u00f3n<\/strong>; si se combinan, dejarlo <strong data-start=\"3370\" data-end=\"3385\">por escrito<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-828a25e e-flex e-con-boxed e-con e-parent\" data-id=\"828a25e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78713de elementor-widget elementor-widget-heading\" data-id=\"78713de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5) Elegir el producto financiero equivocado (o el canal)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b52b9e9 elementor-widget elementor-widget-text-editor\" data-id=\"b52b9e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"3453\" data-end=\"3659\"><strong data-start=\"3453\" data-end=\"3469\">El problema:<\/strong> se solicita una financiaci\u00f3n que no encaja con el perfil del solicitante, el sector o el destino del gasto. Se desaprovechan palancas como <strong data-start=\"3604\" data-end=\"3611\">SGR<\/strong>, <strong data-start=\"3613\" data-end=\"3622\">ENISA<\/strong>, <strong data-start=\"3624\" data-end=\"3638\">l\u00edneas ICO<\/strong> o <strong data-start=\"3641\" data-end=\"3658\">microcr\u00e9ditos bancarios.<\/strong><\/p><p data-start=\"3661\" data-end=\"3679\"><strong data-start=\"3661\" data-end=\"3679\">C\u00f3mo evitarlo:<\/strong><\/p><ul data-start=\"3680\" data-end=\"4506\"><li data-start=\"3680\" data-end=\"4300\"><p data-start=\"3682\" data-end=\"3728\"><strong data-start=\"3682\" data-end=\"3703\">Mapeo de opciones de financiaci\u00f3n<\/strong> seg\u00fan objetivo, etapa y perfil:<\/p><ul data-start=\"3731\" data-end=\"4300\"><li data-start=\"3731\" data-end=\"3883\"><p data-start=\"3733\" data-end=\"3883\"><a href=\"https:\/\/mariselavasquez.es\/en\/blog\/microcreditos-para-emprendedores\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"3733\" data-end=\"3750\">Microcr\u00e9ditos<\/strong><\/a> (p. ej., MicroBank) para importes contenidos y <strong data-start=\"3798\" data-end=\"3818\">personas f\u00edsicas<\/strong> sin aval; <strong data-start=\"3829\" data-end=\"3851\">personas jur\u00eddicas<\/strong> suelen requerir aval de socios.<\/p><\/li><li data-start=\"3886\" data-end=\"4010\"><p data-start=\"3888\" data-end=\"4010\"><strong data-start=\"3888\" data-end=\"3895\">SGR<\/strong> (sociedades de garant\u00eda rec\u00edproca como Elkargi, Iberaval, Avalmadrid, etc.) para <strong data-start=\"3977\" data-end=\"4000\">mejorar condiciones<\/strong> y acceso.<\/p><\/li><li data-start=\"4013\" data-end=\"4145\"><p data-start=\"4015\" data-end=\"4145\"><strong data-start=\"4015\" data-end=\"4024\">ENISA<\/strong> para <strong data-start=\"4030\" data-end=\"4058\">crecimiento e innovaci\u00f3n<\/strong> con pr\u00e9stamos participativos (sin garant\u00edas reales, pero con requisitos de solvencia).<\/p><\/li><li data-start=\"4148\" data-end=\"4218\"><p data-start=\"4150\" data-end=\"4218\"><strong data-start=\"4150\" data-end=\"4164\">L\u00edneas ICO<\/strong> (a trav\u00e9s de bancos) cuando convengan por tipo\/plazo.<\/p><\/li><li data-start=\"4221\" data-end=\"4300\"><p data-start=\"4223\" data-end=\"4300\"><strong data-start=\"4223\" data-end=\"4242\">Leasing\/renting<\/strong> para equipamiento, si aplica mejor con caja y fiscalidad.<\/p><\/li><\/ul><\/li><li data-start=\"4301\" data-end=\"4405\"><p data-start=\"4303\" data-end=\"4405\">Elegir <strong data-start=\"4310\" data-end=\"4327\">canal\/entidad<\/strong> que <strong data-start=\"4332\" data-end=\"4353\">conozca el sector<\/strong> (retail, hosteler\u00eda, servicios B2B, digital, etc.).<\/p><\/li><li data-start=\"4406\" data-end=\"4506\"><p data-start=\"4408\" data-end=\"4506\">Preparar el <strong data-start=\"4420\" data-end=\"4445\">pitch y la entrevista<\/strong> como si fuera un comit\u00e9: 10\u201315 minutos, claros y con cifras.<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb67dda e-flex e-con-boxed e-con e-parent\" data-id=\"eb67dda\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a8e458 elementor-widget elementor-widget-heading\" data-id=\"0a8e458\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Estructura recomendada del dossier (para agilizar la aprobaci\u00f3n)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6db39b1 elementor-widget elementor-widget-text-editor\" data-id=\"6db39b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li data-start=\"4581\" data-end=\"4668\"><p data-start=\"4584\" data-end=\"4668\">Resumen ejecutivo (problema\/soluci\u00f3n, mercado, ventaja, equipo, cifras clave).<\/p><\/li><li data-start=\"4581\" data-end=\"4668\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Forma jur\u00eddica y presentaci\u00f3n del emprendedor\/a con DAFO<\/span><\/li><li data-start=\"4669\" data-end=\"4749\"><p data-start=\"4672\" data-end=\"4749\">Modelo de negocio y <span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\"> plan de marketing (propuesta de valor, p\u00fablico, productos, precios, mercado y canales)<\/span><\/p><\/li><li data-start=\"4750\" data-end=\"4824\"><p data-start=\"4753\" data-end=\"4824\">Operaciones y producci\u00f3n\u00a0 (proveedores, RR. HH., procesos, calidad, licencias).<\/p><\/li><li data-start=\"4825\" data-end=\"4920\"><p data-start=\"4828\" data-end=\"4920\">Plan financiero (inversi\u00f3n inicial, proyecci\u00f3n a 1 a\u00f1o, punto de equilibrio, escenarios y DSCR).<\/p><\/li><li data-start=\"4921\" data-end=\"4993\"><p data-start=\"4924\" data-end=\"4993\">Riesgos y mitigaciones (qu\u00e9 podr\u00eda salir mal y c\u00f3mo se aborda).<\/p><\/li><li data-start=\"4994\" data-end=\"5080\"><p data-start=\"4997\" data-end=\"5080\">Documentaci\u00f3n anexa (CV\/vida laboral, proformas, contratos, licencias, permisos, alquiler, aporte propio, etc).<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59413b8 e-flex e-con-boxed e-con e-parent\" data-id=\"59413b8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-189a3b6 elementor-widget elementor-widget-heading\" data-id=\"189a3b6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Indicadores que miran los gestores (y conviene incluir)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8439d3 elementor-widget elementor-widget-text-editor\" data-id=\"d8439d3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li data-start=\"5146\" data-end=\"5179\"><p data-start=\"5148\" data-end=\"5179\"><strong data-start=\"5148\" data-end=\"5156\">DSCR<\/strong> y <strong data-start=\"5159\" data-end=\"5176\">margen EBITDA<\/strong>.<\/p><\/li><li data-start=\"5180\" data-end=\"5232\"><p data-start=\"5182\" data-end=\"5232\"><strong data-start=\"5182\" data-end=\"5205\">Punto de equilibrio.<\/strong><\/p><\/li><li data-start=\"5233\" data-end=\"5304\"><p data-start=\"5235\" data-end=\"5304\"><strong data-start=\"5235\" data-end=\"5247\">Liquidez<\/strong> (ratio corriente) y <strong data-start=\"5268\" data-end=\"5286\">apalancamiento<\/strong> (deuda\/ebitda).<\/p><\/li><li data-start=\"5305\" data-end=\"5380\"><p data-start=\"5307\" data-end=\"5380\"><strong data-start=\"5307\" data-end=\"5336\">Concentraci\u00f3n de clientes<\/strong> y <strong data-start=\"5339\" data-end=\"5365\">rotaci\u00f3n de inventario<\/strong> (si aplica).<\/p><\/li><li data-start=\"5381\" data-end=\"5450\"><p data-start=\"5383\" data-end=\"5450\"><strong data-start=\"5383\" data-end=\"5405\">Hist\u00f3rico en CIRBE<\/strong> y comportamiento de pagos.<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-730cdd9 e-flex e-con-boxed e-con e-parent\" data-id=\"730cdd9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0014de6 elementor-widget elementor-widget-heading\" data-id=\"0014de6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7456300 elementor-widget elementor-widget-text-editor\" data-id=\"7456300\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 data-start=\"5489\" data-end=\"5669\">\u00bfHace falta estar ya de alta como aut\u00f3nomo para solicitar?<\/h3><p data-start=\"5489\" data-end=\"5669\">Puede pre-evaluarse sin alta, pero luego de la liquidaci\u00f3n suele exigirse <strong data-start=\"5616\" data-end=\"5637\">alta en actividad<\/strong> y documentaci\u00f3n fiscal\/laboral.<\/p><h3 data-start=\"5671\" data-end=\"5824\">\u00bfCon cu\u00e1nta antelaci\u00f3n conviene preparar el expediente?<\/h3><p data-start=\"5671\" data-end=\"5824\">Idealmente <strong data-start=\"5744\" data-end=\"5759\">3\u20134 semanas<\/strong> antes de la fecha objetivo.<\/p><h3 data-start=\"5826\" data-end=\"5979\">\u00bfSe puede financiar el 100 % de la inversi\u00f3n?<\/h3><p data-start=\"5826\" data-end=\"5979\">Depende del producto y de la valoraci\u00f3n de riesgo; algunas partidas de circulante tienen l\u00edmites, la mayor\u00eda exige un m\u00ednimo de aporte.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ae1d7d e-flex e-con-boxed e-con e-parent\" data-id=\"7ae1d7d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-099846f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"099846f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05e0d8b elementor-widget elementor-widget-text-editor\" data-id=\"05e0d8b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"5489\" data-end=\"5669\">La financiaci\u00f3n llega con <strong data-start=\"6026\" data-end=\"6107\">expedientes completos, previsiones econ\u00f3micas\u00a0 defendibles y destinos de fondos bien justificados<\/strong>. Preparar el dossier como si fuera a pasar por una \u201clupa\u201d \u2014con <strong data-start=\"6171\" data-end=\"6214\">tesorer\u00eda, DSCR y datos reales del mercado<\/strong>\u2014 incrementa notablemente las opciones de aprobaci\u00f3n y reduce plazos.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79b864b e-con-full e-flex e-con e-child\" data-id=\"79b864b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cc60bb3 elementor-widget elementor-widget-heading\" data-id=\"6cc60bb3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Compartir post:<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-214635b6 elementor-share-buttons--view-icon elementor-share-buttons--skin-minimal elementor-share-buttons--color-custom elementor-share-buttons--shape-square elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"214635b6\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_facebook\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on facebook\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dcb2783 e-flex e-con-boxed e-con e-parent\" data-id=\"dcb2783\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca8c7f4 elementor-widget elementor-widget-heading\" data-id=\"2ca8c7f4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Entradas relacionados<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-533b4f26 elementor-posts__hover-none elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"533b4f26\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:65,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:71,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;2&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2075 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/mariselavasquez.es\/en\/blog\/cuando-darse-de-alta-autonomo-espana\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1200\" height=\"1500\" src=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/10\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\" class=\"attachment-full size-full wp-image-2082\" alt=\"\" srcset=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/10\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp 1200w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/10\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-240x300.webp 240w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/10\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-819x1024.webp 819w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/10\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-768x960.webp 768w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/10\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-10x12.webp 10w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/mariselavasquez.es\/en\/blog\/cuando-darse-de-alta-autonomo-espana\/\" >\n\t\t\t\t\u00bfCu\u00e1ndo darse de alta como aut\u00f3nomo en Espa\u00f1a?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2049 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1200\" height=\"1500\" src=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\" class=\"attachment-full size-full wp-image-2057\" alt=\"error 404 construido con legos\" srcset=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp 1200w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-240x300.webp 240w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-819x1024.webp 819w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-768x960.webp 768w, https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez-10x12.webp 10w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/\" >\n\t\t\t\t5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos)\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Conseguir financiaci\u00f3n para un negocio no depende solo de una buena idea. Las entidades analizan viabilidad, capacidad de pago y<\/p>","protected":false},"author":1,"featured_media":2057,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos) - Marisela Vasquez<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos) - Marisela Vasquez\" \/>\n<meta property=\"og:description\" content=\"Conseguir financiaci\u00f3n para un negocio no depende solo de una buena idea. Las entidades analizan viabilidad, capacidad de pago y\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/\" \/>\n<meta property=\"og:site_name\" content=\"Marisela Vasquez\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-16T20:27:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-16T20:28:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Marisela Vasquez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marisela Vasquez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/\"},\"author\":{\"name\":\"Marisela Vasquez\",\"@id\":\"https:\/\/mariselavasquez.es\/#\/schema\/person\/6fe7b048b1884a8198e8ca76a0db6d8d\"},\"headline\":\"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos)\",\"datePublished\":\"2025-09-16T20:27:48+00:00\",\"dateModified\":\"2025-09-16T20:28:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/\"},\"wordCount\":955,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mariselavasquez.es\/#organization\"},\"image\":{\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/\",\"url\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/\",\"name\":\"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos) - Marisela Vasquez\",\"isPartOf\":{\"@id\":\"https:\/\/mariselavasquez.es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\",\"datePublished\":\"2025-09-16T20:27:48+00:00\",\"dateModified\":\"2025-09-16T20:28:31+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage\",\"url\":\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\",\"contentUrl\":\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp\",\"width\":1200,\"height\":1500,\"caption\":\"error 404 construido con legos\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/mariselavasquez.es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mariselavasquez.es\/#website\",\"url\":\"https:\/\/mariselavasquez.es\/\",\"name\":\"Marisela Vasquez\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/mariselavasquez.es\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/mariselavasquez.es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/mariselavasquez.es\/#organization\",\"name\":\"Marisela Vasquez\",\"url\":\"https:\/\/mariselavasquez.es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mariselavasquez.es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2024\/11\/Marisela-Logo-azul-.png\",\"contentUrl\":\"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2024\/11\/Marisela-Logo-azul-.png\",\"width\":527,\"height\":194,\"caption\":\"Marisela Vasquez\"},\"image\":{\"@id\":\"https:\/\/mariselavasquez.es\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/mariselavasquez.es\/#\/schema\/person\/6fe7b048b1884a8198e8ca76a0db6d8d\",\"name\":\"Marisela Vasquez\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mariselavasquez.es\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bc820075dab59b4ef96db75639abfccb6758939f56b6f15522d90d3652833896?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bc820075dab59b4ef96db75639abfccb6758939f56b6f15522d90d3652833896?s=96&d=mm&r=g\",\"caption\":\"Marisela Vasquez\"},\"sameAs\":[\"https:\/\/mariselavasquez.es\"],\"url\":\"https:\/\/mariselavasquez.es\/en\/blog\/author\/moxie_admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos) - Marisela Vasquez","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/","og_locale":"en_US","og_type":"article","og_title":"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos) - Marisela Vasquez","og_description":"Conseguir financiaci\u00f3n para un negocio no depende solo de una buena idea. Las entidades analizan viabilidad, capacidad de pago y","og_url":"https:\/\/mariselavasquez.es\/en\/blog\/5-errores-comunes-al-buscar-financiacion\/","og_site_name":"Marisela Vasquez","article_published_time":"2025-09-16T20:27:48+00:00","article_modified_time":"2025-09-16T20:28:31+00:00","og_image":[{"width":1200,"height":1500,"url":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp","type":"image\/webp"}],"author":"Marisela Vasquez","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Marisela Vasquez","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#article","isPartOf":{"@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/"},"author":{"name":"Marisela Vasquez","@id":"https:\/\/mariselavasquez.es\/#\/schema\/person\/6fe7b048b1884a8198e8ca76a0db6d8d"},"headline":"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos)","datePublished":"2025-09-16T20:27:48+00:00","dateModified":"2025-09-16T20:28:31+00:00","mainEntityOfPage":{"@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/"},"wordCount":955,"commentCount":0,"publisher":{"@id":"https:\/\/mariselavasquez.es\/#organization"},"image":{"@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage"},"thumbnailUrl":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp","inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/","url":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/","name":"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos) - Marisela Vasquez","isPartOf":{"@id":"https:\/\/mariselavasquez.es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage"},"image":{"@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage"},"thumbnailUrl":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp","datePublished":"2025-09-16T20:27:48+00:00","dateModified":"2025-09-16T20:28:31+00:00","breadcrumb":{"@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#primaryimage","url":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp","contentUrl":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2025\/09\/Antes-de-invertir-invierte-en-ti-por-marisela-vasquez.webp","width":1200,"height":1500,"caption":"error 404 construido con legos"},{"@type":"BreadcrumbList","@id":"https:\/\/mariselavasquez.es\/blog\/5-errores-comunes-al-buscar-financiacion\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mariselavasquez.es\/"},{"@type":"ListItem","position":2,"name":"5 errores comunes al buscar financiaci\u00f3n (y c\u00f3mo evitarlos)"}]},{"@type":"WebSite","@id":"https:\/\/mariselavasquez.es\/#website","url":"https:\/\/mariselavasquez.es\/","name":"Marisela Vasquez","description":"","publisher":{"@id":"https:\/\/mariselavasquez.es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mariselavasquez.es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/mariselavasquez.es\/#organization","name":"Marisela Vasquez","url":"https:\/\/mariselavasquez.es\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mariselavasquez.es\/#\/schema\/logo\/image\/","url":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2024\/11\/Marisela-Logo-azul-.png","contentUrl":"https:\/\/mariselavasquez.es\/wp-content\/uploads\/2024\/11\/Marisela-Logo-azul-.png","width":527,"height":194,"caption":"Marisela Vasquez"},"image":{"@id":"https:\/\/mariselavasquez.es\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/mariselavasquez.es\/#\/schema\/person\/6fe7b048b1884a8198e8ca76a0db6d8d","name":"Marisela Vasquez","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mariselavasquez.es\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/bc820075dab59b4ef96db75639abfccb6758939f56b6f15522d90d3652833896?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bc820075dab59b4ef96db75639abfccb6758939f56b6f15522d90d3652833896?s=96&d=mm&r=g","caption":"Marisela Vasquez"},"sameAs":["https:\/\/mariselavasquez.es"],"url":"https:\/\/mariselavasquez.es\/en\/blog\/author\/moxie_admin\/"}]}},"_links":{"self":[{"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/posts\/2049","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/comments?post=2049"}],"version-history":[{"count":14,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/posts\/2049\/revisions"}],"predecessor-version":[{"id":2067,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/posts\/2049\/revisions\/2067"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/media\/2057"}],"wp:attachment":[{"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/media?parent=2049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/categories?post=2049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mariselavasquez.es\/en\/wp-json\/wp\/v2\/tags?post=2049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}