{"id":638,"date":"2014-11-17T11:23:28","date_gmt":"2014-11-17T11:23:28","guid":{"rendered":"http:\/\/ambitassessor.com\/blog\/?p=638"},"modified":"2014-11-17T11:45:58","modified_gmt":"2014-11-17T11:45:58","slug":"financiacion-y-refinanciacion","status":"publish","type":"post","link":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/","title":{"rendered":"Financiaci\u00f3n y Refinanciaci\u00f3n"},"content":{"rendered":"<p><a href=\"http:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-304 alignnone\" alt=\"Fotolia_1550903_XL-H#31E2F6\" src=\"https:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg\" width=\"500\" height=\"333\" srcset=\"https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg 500w, https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6-300x199.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/a><br \/>\n<b>El plan de negocio (business plan) clave para el \u00e9xito<\/b><\/p>\n<p>Las empresas de este pa\u00eds hemos vivido en los \u00faltimos seis a\u00f1os la ca\u00edda de la demanda, la reducci\u00f3n de los precios, la destrucci\u00f3n de nuestros activos y la sequ\u00eda del cr\u00e9dito. Nos hemos visto obligados a reestructurar nuestras empresas y a negociar con la banca como pagar nuestros cr\u00e9ditos. Muchas empresas han desaparecido en este camino.<\/p>\n<p>Ca\u00edda de la demanda: en sector de la construcci\u00f3n pasamos de 800.000 viviendas promovidas en 2006 a 35.000 promovidas en 2013.<\/p>\n<p>Reducci\u00f3n de precios: el \u00fanico ajuste posible entre oferta y demanda, y \u00e9xito del low cost.<\/p>\n<p>Destrucci\u00f3n de activos: Despu\u00e9s de siete a\u00f1os pagando su leasing inmobiliario muchas empresas se encuentran con una nave que hoy vale menos que la deuda todav\u00eda pendiente.<\/p>\n<p>Sequ\u00eda del cr\u00e9dito: Los bancos retiran las p\u00f3lizas de cr\u00e9dito, no quieren ni o\u00edr hablar de papel comercial y hasta pr\u00e1ctica retenciones sobre la gesti\u00f3n de cobro de recibos domiciliados a su vencimiento.<\/p>\n<p>Llevamos seis a\u00f1os<b> refinanciando<\/b> la Deuda de las empresas, explicando a las entidades financieras que tenemos una historia de \u00e9xito detr\u00e1s, que a\u00f1os malos dan paso a a\u00f1os buenos, que podemos devolver lo que debemos, y solo necesitamos ayuda, que nos dejen devolverlo de otro modo.<\/p>\n<p>Y ha sido fundamental poder acreditar, con un buen <b>plan de negocio<\/b>, que la reestructuraci\u00f3n de nuestra empresa y su reorientaci\u00f3n en el mercado nos permit\u00eda devolver nuestra deuda, claro que no como la hab\u00edamos firmado antes de la crisis.<\/p>\n<p>Y ahora pensamos que la demanda volver\u00e1 a crecer, y como hemos ajustado tanto nuestra empresa tendremos que hacer inversiones para poder satisfacerla. Pero hemos aprendido, y para financiar esas inversiones no vamos a cometer errores de antes, echaremos mano de nuestro plan de negocio para negociar bien nuestra nueva deuda.<\/p>\n<p><a href=\"https:\/\/ambitassessor.com\/blog\/Por-qu\u00e9-un-plan-de-negocio\/324\/es\">https:\/\/ambitassessor.com\/blog\/Por-qu\u00e9-un-plan-de-negocio\/324\/es<\/a><\/p>\n<p>Pau Riera<br \/>\n\u00c1rea financiera<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El plan de negocio (business plan) clave para el \u00e9xito Las empresas de este pa\u00eds hemos vivido en los \u00faltimos seis a\u00f1os la ca\u00edda de la demanda, la reducci\u00f3n de los precios, la destrucci\u00f3n de nuestros activos y la sequ\u00eda del cr\u00e9dito. Nos hemos visto obligados a reestructurar nuestras empresas y a negociar con la [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1,2],"tags":[],"class_list":["post-638","post","type-post","status-publish","format-standard","hentry","category-sin-categoria","category-destacado"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financiaci\u00f3n y Refinanciaci\u00f3n - Ambit Assessor<\/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:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financiaci\u00f3n y Refinanciaci\u00f3n - Ambit Assessor\" \/>\n<meta property=\"og:description\" content=\"El plan de negocio (business plan) clave para el \u00e9xito Las empresas de este pa\u00eds hemos vivido en los \u00faltimos seis a\u00f1os la ca\u00edda de la demanda, la reducci\u00f3n de los precios, la destrucci\u00f3n de nuestros activos y la sequ\u00eda del cr\u00e9dito. Nos hemos visto obligados a reestructurar nuestras empresas y a negociar con la [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/\" \/>\n<meta property=\"og:site_name\" content=\"Ambit Assessor\" \/>\n<meta property=\"article:published_time\" content=\"2014-11-17T11:23:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2014-11-17T11:45:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"MGI \u00c0mbit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AmbitAssessor\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"MGI \u00c0mbit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/\"},\"author\":{\"name\":\"MGI \u00c0mbit\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/#\\\/schema\\\/person\\\/232cec148f25c3f68d227a2f0a356645\"},\"headline\":\"Financiaci\u00f3n y Refinanciaci\u00f3n\",\"datePublished\":\"2014-11-17T11:23:28+00:00\",\"dateModified\":\"2014-11-17T11:45:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/\"},\"wordCount\":343,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/ambitassessor.com\\\/blog\\\/wp-content\\\/uploads\\\/Fotolia_1550903_XL-H31E2F6.jpg\",\"articleSection\":[\"\u00c0mbit Assessor\",\"Destacado\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/\",\"url\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/\",\"name\":\"Financiaci\u00f3n y Refinanciaci\u00f3n - Ambit Assessor\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/ambitassessor.com\\\/blog\\\/wp-content\\\/uploads\\\/Fotolia_1550903_XL-H31E2F6.jpg\",\"datePublished\":\"2014-11-17T11:23:28+00:00\",\"dateModified\":\"2014-11-17T11:45:58+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/#\\\/schema\\\/person\\\/232cec148f25c3f68d227a2f0a356645\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#primaryimage\",\"url\":\"http:\\\/\\\/ambitassessor.com\\\/blog\\\/wp-content\\\/uploads\\\/Fotolia_1550903_XL-H31E2F6.jpg\",\"contentUrl\":\"http:\\\/\\\/ambitassessor.com\\\/blog\\\/wp-content\\\/uploads\\\/Fotolia_1550903_XL-H31E2F6.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/financiacion-y-refinanciacion\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financiaci\u00f3n y Refinanciaci\u00f3n\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/\",\"name\":\"Ambit Assessor\",\"description\":\"En \u00c0mbit Assessor, SL contamos con m\u00e1s de 30 a\u00f1os dedicados asesor\u00eda fiscal, contable y laboral de la Pyme.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/#\\\/schema\\\/person\\\/232cec148f25c3f68d227a2f0a356645\",\"name\":\"MGI \u00c0mbit\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/af45f497941204986d6d7dc63ec5561f85c9e4b8933e04052ea52f8b719bfe43?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/af45f497941204986d6d7dc63ec5561f85c9e4b8933e04052ea52f8b719bfe43?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/af45f497941204986d6d7dc63ec5561f85c9e4b8933e04052ea52f8b719bfe43?s=96&d=mm&r=g\",\"caption\":\"MGI \u00c0mbit\"},\"description\":\"A \u00c0mbit Assessor, SL comptem amb 40 anys dedicats a l\u2019assessoria fiscal, comptable i laboral de la Pime.\",\"sameAs\":[\"https:\\\/\\\/x.com\\\/AmbitAssessor\"],\"url\":\"https:\\\/\\\/mgiambit.com\\\/blog\\\/author\\\/ambit\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financiaci\u00f3n y Refinanciaci\u00f3n - Ambit Assessor","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:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/","og_locale":"es_ES","og_type":"article","og_title":"Financiaci\u00f3n y Refinanciaci\u00f3n - Ambit Assessor","og_description":"El plan de negocio (business plan) clave para el \u00e9xito Las empresas de este pa\u00eds hemos vivido en los \u00faltimos seis a\u00f1os la ca\u00edda de la demanda, la reducci\u00f3n de los precios, la destrucci\u00f3n de nuestros activos y la sequ\u00eda del cr\u00e9dito. Nos hemos visto obligados a reestructurar nuestras empresas y a negociar con la [&hellip;]","og_url":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/","og_site_name":"Ambit Assessor","article_published_time":"2014-11-17T11:23:28+00:00","article_modified_time":"2014-11-17T11:45:58+00:00","og_image":[{"width":500,"height":333,"url":"https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg","type":"image\/jpeg"}],"author":"MGI \u00c0mbit","twitter_card":"summary_large_image","twitter_creator":"@AmbitAssessor","twitter_misc":{"Escrito por":"MGI \u00c0mbit","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#article","isPartOf":{"@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/"},"author":{"name":"MGI \u00c0mbit","@id":"https:\/\/mgiambit.com\/blog\/#\/schema\/person\/232cec148f25c3f68d227a2f0a356645"},"headline":"Financiaci\u00f3n y Refinanciaci\u00f3n","datePublished":"2014-11-17T11:23:28+00:00","dateModified":"2014-11-17T11:45:58+00:00","mainEntityOfPage":{"@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/"},"wordCount":343,"commentCount":0,"image":{"@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#primaryimage"},"thumbnailUrl":"http:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg","articleSection":["\u00c0mbit Assessor","Destacado"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/","url":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/","name":"Financiaci\u00f3n y Refinanciaci\u00f3n - Ambit Assessor","isPartOf":{"@id":"https:\/\/mgiambit.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#primaryimage"},"image":{"@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#primaryimage"},"thumbnailUrl":"http:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg","datePublished":"2014-11-17T11:23:28+00:00","dateModified":"2014-11-17T11:45:58+00:00","author":{"@id":"https:\/\/mgiambit.com\/blog\/#\/schema\/person\/232cec148f25c3f68d227a2f0a356645"},"breadcrumb":{"@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#primaryimage","url":"http:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg","contentUrl":"http:\/\/ambitassessor.com\/blog\/wp-content\/uploads\/Fotolia_1550903_XL-H31E2F6.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/mgiambit.com\/blog\/financiacion-y-refinanciacion\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/mgiambit.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Financiaci\u00f3n y Refinanciaci\u00f3n"}]},{"@type":"WebSite","@id":"https:\/\/mgiambit.com\/blog\/#website","url":"https:\/\/mgiambit.com\/blog\/","name":"Ambit Assessor","description":"En \u00c0mbit Assessor, SL contamos con m\u00e1s de 30 a\u00f1os dedicados asesor\u00eda fiscal, contable y laboral de la Pyme.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mgiambit.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/mgiambit.com\/blog\/#\/schema\/person\/232cec148f25c3f68d227a2f0a356645","name":"MGI \u00c0mbit","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/af45f497941204986d6d7dc63ec5561f85c9e4b8933e04052ea52f8b719bfe43?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/af45f497941204986d6d7dc63ec5561f85c9e4b8933e04052ea52f8b719bfe43?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/af45f497941204986d6d7dc63ec5561f85c9e4b8933e04052ea52f8b719bfe43?s=96&d=mm&r=g","caption":"MGI \u00c0mbit"},"description":"A \u00c0mbit Assessor, SL comptem amb 40 anys dedicats a l\u2019assessoria fiscal, comptable i laboral de la Pime.","sameAs":["https:\/\/x.com\/AmbitAssessor"],"url":"https:\/\/mgiambit.com\/blog\/author\/ambit\/"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p8r2FF-ai","jetpack-related-posts":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/posts\/638","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/comments?post=638"}],"version-history":[{"count":6,"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/posts\/638\/revisions"}],"predecessor-version":[{"id":652,"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/posts\/638\/revisions\/652"}],"wp:attachment":[{"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/media?parent=638"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/categories?post=638"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mgiambit.com\/blog\/wp-json\/wp\/v2\/tags?post=638"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}