Micropréstamos Vs. Préstamos con garantía
Muchos bancos ya no prestan dinero a las empresas pequeñas como antes. Como resultado, muchos emprendedores y propietarios de pequeñas empresas recurren a opciones de préstamo alternativas, como micropréstamos y préstamos con garantía.
¿Qué son los préstamos con garantía?
Los préstamos con garantía exigen que los prestatarios entreguen sus bienes y otros activos, como oro, joyas o vajillas de plata, para un préstamo a corto plazo. Los consumidores pueden solicitar un préstamo en persona en una casa de empeño o mediante una solicitud por Internet. A cambio de este préstamo, el prestatario acuerda que el prestamista puede tomar ese objeto de valor si no se cancela el préstamo.
Los prestamistas ofrecen un monto inferior al valor del activo y presupuestan una proporción aceptable de “préstamo a valor” (Loan to Value, LTV por sus siglas en inglés). Por ejemplo, digamos que usted toma un préstamo y deja como garantía un reloj con un valor de USD 1000. Si el prestamista ofrece un LTV de hasta el 80 por ciento, usted podría tomar un préstamo de hasta USD 800.
Es importante que sepa que aunque el prestamista tome la garantía y la venda por menos del valor de la deuda, el prestatario aún será responsable de la totalidad del monto del préstamo.
¿Dónde se solicitan los préstamos con garantía?
Provident Loan Society ofrece préstamos con garantía de oro, plata, joyas de diamante, monedas de oro, relojes finos y vajillas de plata. Su tasa de interés puede compararse con la de muchas tarjetas de crédito. Como una organización sin fines de lucro, Provident Loan Society tiene tasas de interés que suelen ser equivalentes a la mitad de la tasa de interés de la mayoría de las casas de empeño. Sus gastos administrativos son inferiores y permiten a los prestatarios hasta seis meses para cancelar el préstamo.
¿Qué son los micropréstamos?
Los micropréstamos son exactamente lo que indica su nombre: préstamos pequeños que suman un promedio de USD 13 000 en los EE. UU., de conformidad con la Administración de Pequeñas Empresas (Small Business Administration, SBA por sus siglas en inglés). Por lo general, muchos bancos no ofrecen préstamos por menos de USD 250 000, lo cual hace que los micropréstamos sean una alternativa para los propietarios de pequeñas empresas. Estos tipos de préstamos son ideales para compras comerciales, como equipos, inventario, o incluso, la adquisición de una empresa. Para calificar para un micropréstamo, el prestatario debe ser mayor de 21 años y el único propietario de la empresa.
A diferencia de los bancos que exigen puntajes crediticios elevados, los micropréstamos no suelen ser tan exigentes en cuanto a esto. En cambio, se observan otros puntos fuertes en la solicitud, como la experiencia profesional, el plan comercial o una prueba de que la empresa tendrá un impacto en la comunidad.
¿Dónde se solicitan los micropréstamos?
Los propietarios de las empresas pueden solicitar un micropréstamo a través de una gran cantidad de programas. La SBA se ha asociado con microprestamistas de todo el territorio de los Estados Unidos. Otras opciones de micropréstamos no asociadas con la SBA son Kiva, Opportunity Fund y Accion USA.
Todas las condiciones de micropréstamos varían, aunque su plazo de cancelación máximo suele ser de 6 años, con tasas de interés que oscilan entre el 8 y el 13 por ciento.
Sobre la autora
Claudia Despres es estudiante de mercadeo en la St. John’s University, Queens, NY. Es una de las administradoras del programa Global Loan Opportunities for Budding Entrepreneurs (Oportunidades globales de préstamos para nuevos empresarios) en St. John’s y una estudiante empleada del Departamento de Servicios para Exalumnos.
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