¿Qué son los créditos a corto plazo?
Los préstamos o crédito a corto plazo son un tipo de financiación otorgado por una entidad
financiera como lo son los bancos, y que tienen como plazo de devolución del dinero un tiempo
muy reducido, pueden ser un par de semanas o un par de meses.
Debido a su naturaleza de practicidad, este crédito suele ser el más escogido por las empresas,
ya que debido a que las cantidades de dinero recibidas son pequeñas, los intereses son bajos, lo
que hace que general no hayan problemas al pagar este tipo de crédito.
¿Para qué se usan los créditos a corto plazo?
Es muy común que se use este crédito en caso de falta de flujo de caja en caso de que tengan una
cuenta a plazos por cobrar y deseen obtener el dinero con anticipación. También este tipo de
crédito comúnmente se utiliza en caso de necesitar dinero para gastos inminente o en caso de
sufrir deficiencia de liquidez, usando el dinero para solventar la misma.
Ventajas y desventajas de la financiación a corto plazo
Antes de atreverte a solicitar préstamos a corto plazo, es bueno que tengas en cuentas las
ventajas y desventajas de solicitar este tipo de financiación, para que de esta manera tomes la
mejor decisión en tu caso y no corras ningún tipo de riesgo al solicitarlo:
Ventajas
- Por lo general, podrás obtener el dinero de forma rápida
- En comparación con otros tipos de préstamos como lo son a mediano y largo plazo, la
financiación a corto plazo cuenta con tasas de interés más bajas - En caso de que desees obtener un crédito para una empresa pequeña, este tipo de
crédito es el ideal ya que es mucho más fácil de procesar y obtener - La financiación a corto plazo puede ser la ideal en caso de que necesites salir de
imprevistos económicos - Si pagas a tiempo puedes hacer mejorar tu score crediticio, lo cual permitirá que puedas
obtener mejores créditos en el futuro - No requiere de tanto papeleo ni cumplir requisitos muy complicados, además en algunos
casos podrás procesar el crédito en línea
Desventajas:
- El aumento en la tasas de interés puede dificultar pagar la deuda obtenida
- Solo es útil cuando se necesitan cubrir gastos o emergencias en la inmediatez
- No es una buena opción para quienes ya cuenten con deudas, lo que incluye a las
empresas - Si se trata de empresas que utilizan tarjetas de crédito, pueden sufrir consecuencias
negativas ya que las tasas de intereses pueden aumentar considerablemente
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