{"id":1203,"date":"2025-11-03T12:56:03","date_gmt":"2025-11-03T18:56:03","guid":{"rendered":"https:\/\/va-financiera.mx\/blog\/?p=1203"},"modified":"2025-11-20T11:41:36","modified_gmt":"2025-11-20T17:41:36","slug":"creditos-con-garantia","status":"publish","type":"post","link":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/","title":{"rendered":"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">El financiamiento es el motor de crecimiento de cualquier Peque\u00f1a y Mediana Empresa (<strong>PyME<\/strong>), pero la elecci\u00f3n de la herramienta financiera adecuada puede ser un laberinto. La distinci\u00f3n crucial se encuentra en si el cr\u00e9dito exige o no una garant\u00eda para respaldar el pr\u00e9stamo. Comprender a fondo las implicaciones de los cr\u00e9ditos garantizados y no garantizados es fundamental para tomar una decisi\u00f3n informada que asegure la salud financiera y la sostenibilidad del negocio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>&nbsp;Un Riesgo a Cambio de Mejores Condiciones<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un cr\u00e9dito con garant\u00eda (o garantizado) es aquel que requiere que la PyME <strong>comprometa un activo espec\u00edfico<\/strong> como colateral. Este activo act\u00faa como un seguro para el prestamista: si la empresa no cumple con los pagos, el prestamista puede liquidar la garant\u00eda para recuperar el capital prestado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Activos Com\u00fanmente Aceptados como Garant\u00eda<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las PyMEs suelen utilizar diversos tipos de activos, seg\u00fan la finalidad del pr\u00e9stamo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bienes Inmuebles:<\/strong> Propiedades comerciales, terrenos o, en ocasiones, propiedades personales del due\u00f1o (a trav\u00e9s de hipotecas).<\/li>\n\n\n\n<li><strong>Maquinaria y Equipo:<\/strong> Activos productivos cuyo valor puede ser f\u00e1cilmente tasado y liquidado.<\/li>\n\n\n\n<li><strong>Inventario y Cuentas por Cobrar:<\/strong> En operaciones como el <strong>Factoraje Financiero<\/strong>, donde las facturas pendientes de clientes solventes act\u00faan como garant\u00eda.<\/li>\n\n\n\n<li><strong>Inversiones y Pignoraci\u00f3n de Acciones:<\/strong> Fondos o t\u00edtulos que pueden ser transferidos al prestamista en caso de impago.<\/li>\n\n\n\n<li><strong>Avales o Garant\u00edas Estatales\/Rec\u00edprocas (SGR):<\/strong> El respaldo de un tercero (persona o instituci\u00f3n) que se obliga a pagar si la PyME incumple.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ventajas del Cr\u00e9dito Garantizado<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acceso a Capital Sustancial:<\/strong> Es la v\u00eda principal para obtener <strong>grandes montos de dinero<\/strong> necesarios para expansi\u00f3n, adquisici\u00f3n de inmuebles o maquinaria pesada.<\/li>\n\n\n\n<li><strong>Costo Financiero Reducido:<\/strong> La garant\u00eda mitiga el riesgo del prestamista, lo que se traduce en <strong>tasas de inter\u00e9s significativamente m\u00e1s bajas<\/strong> y comisiones m\u00e1s competitivas.<\/li>\n\n\n\n<li><strong>Plazos Extensos:<\/strong> Permiten <strong>periodos de amortizaci\u00f3n m\u00e1s largos<\/strong> (incluso de 5 a 25 a\u00f1os para bienes ra\u00edces), lo que reduce la presi\u00f3n del flujo de caja mensual.<\/li>\n\n\n\n<li><strong>Oportunidad de Construcci\u00f3n de Cr\u00e9dito:<\/strong> Un pago puntual de un pr\u00e9stamo grande y garantizado fortalece dr\u00e1sticamente el historial crediticio de la PyME.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Desventajas del Cr\u00e9dito Garantizado<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Riesgo de P\u00e9rdida de Activos:<\/strong> La principal preocupaci\u00f3n. El incumplimiento puede llevar a la <strong>ejecuci\u00f3n hipotecaria o la subasta<\/strong> de los bienes comprometidos, afectando la operatividad o el patrimonio de la empresa.<\/li>\n\n\n\n<li><strong>Proceso de Demora y Costos:<\/strong> La solicitud es m\u00e1s lenta y costosa, ya que requiere <strong>tasaciones, tr\u00e1mites legales y seguros obligatorios<\/strong> para la garant\u00eda.<\/li>\n\n\n\n<li><strong>Compromiso de Activos:<\/strong> El activo queda <strong>inmovilizado<\/strong> hasta la liquidaci\u00f3n total de la deuda, limitando su uso como colateral para futuros financiamientos.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cr\u00e9ditos sin Garant\u00eda: Flexibilidad con Mayor Costo<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un cr\u00e9dito sin garant\u00eda (o no garantizado) <strong>no exige el compromiso de un colateral<\/strong> espec\u00edfico. El prestamista eval\u00faa la solvencia de la empresa bas\u00e1ndose en su historial de cr\u00e9dito, sus estados financieros, su flujo de caja y su antig\u00fcedad operativa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Modalidades Comunes sin Garant\u00eda<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estos productos est\u00e1n orientados a cubrir necesidades de liquidez a corto o mediano plazo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9stamos a Plazos Simples:<\/strong> Una suma global que se devuelve en cuotas fijas durante un tiempo determinado.<\/li>\n\n\n\n<li><strong>L\u00edneas de Cr\u00e9dito Rotativas:<\/strong> Permiten a la PyME disponer de fondos hasta un l\u00edmite preestablecido y pagar intereses solo sobre la cantidad utilizada. Ideales para fluctuaciones estacionales.<\/li>\n\n\n\n<li><strong>Tarjetas de Cr\u00e9dito Empresariales:<\/strong> Herramientas de liquidez inmediata con l\u00edmites generalmente bajos, destinadas a gastos operativos menores.<\/li>\n\n\n\n<li><strong>Cr\u00e9ditos de <em>Fintechs<\/em>:<\/strong> Muchos prestamistas digitales (Fintechs) ofrecen procesos r\u00e1pidos y 100% en l\u00ednea, basando su riesgo en algoritmos y la facturaci\u00f3n electr\u00f3nica de la PyME.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ventajas del Cr\u00e9dito No Garantizado<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Desembolso R\u00e1pido:<\/strong> Al eliminar el proceso de tasaci\u00f3n, los fondos pueden ser <strong>desembolsados en d\u00edas o incluso en horas<\/strong>, crucial para oportunidades de negocio urgentes o emergencias de flujo de caja.<\/li>\n\n\n\n<li><strong>Protecci\u00f3n de Activos:<\/strong> No existe el riesgo de perder la maquinaria o la propiedad de la empresa, ya que <strong>ning\u00fan activo est\u00e1 comprometido<\/strong> directamente.<\/li>\n\n\n\n<li><strong>Uso Flexible del Capital:<\/strong> La PyME puede destinar el dinero a <strong>cualquier necesidad operativa<\/strong>, desde pagar n\u00f3mina hasta campa\u00f1as de marketing.<\/li>\n\n\n\n<li><strong>Proceso Sencillo:<\/strong> Los requisitos de documentaci\u00f3n son mucho m\u00e1s <strong>sencillos<\/strong>, lo que acelera la gesti\u00f3n.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;Desventajas del Cr\u00e9dito No Garantizado<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Alto Costo de Financiamiento:<\/strong> El mayor riesgo del prestamista se compensa con <strong>tasas de inter\u00e9s m\u00e1s elevadas<\/strong> y, a veces, altas comisiones de apertura o gesti\u00f3n.<\/li>\n\n\n\n<li><strong>Montos Limitados:<\/strong> Los l\u00edmites de pr\u00e9stamo son significativamente <strong>menores<\/strong> que los ofrecidos con garant\u00eda, restringiendo su uso para grandes inversiones.<\/li>\n\n\n\n<li><strong>Plazos Cortos y Pagos Frecuentes:<\/strong> Los plazos de amortizaci\u00f3n suelen ser <strong>cortos<\/strong> (de 6 meses a 3 a\u00f1os), e incluso pueden exigir pagos diarios o semanales, lo que requiere un flujo de caja muy disciplinado.<\/li>\n\n\n\n<li><strong>Dependencia de la Solvencia:<\/strong> La aprobaci\u00f3n est\u00e1 estrictamente ligada a un <strong>excelente historial crediticio<\/strong> y una demostraci\u00f3n fehaciente de ingresos estables.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Criterios Clave para la Decisi\u00f3n<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Al final, la decisi\u00f3n entre un cr\u00e9dito garantizado y uno no garantizado se reduce a dos factores esenciales: la <strong>necesidad<\/strong> y el <strong>perfil de riesgo<\/strong> de la PyME.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Factor a Evaluar<\/strong><\/td><td><strong>Recomendaci\u00f3n Garantizada<\/strong><\/td><td><strong>Recomendaci\u00f3n No Garantizada<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Monto Necesario<\/strong><\/td><td>Si se requieren <strong>grandes sumas<\/strong> (&gt;$250,000 USD, por ejemplo).<\/td><td>Si se requieren <strong>montos menores<\/strong> para capital de trabajo o gastos operativos.<\/td><\/tr><tr><td><strong>Plazo del Proyecto<\/strong><\/td><td>Proyectos a <strong>largo plazo<\/strong> (compra de activos fijos).<\/td><td>Necesidades a <strong>corto o mediano plazo<\/strong> (gesti\u00f3n de inventario).<\/td><\/tr><tr><td><strong>Flujo de Caja<\/strong><\/td><td>Empresa con capacidad para afrontar un <strong>pago peri\u00f3dico m\u00e1s bajo<\/strong> a largo plazo.<\/td><td>Empresa con capacidad para afrontar <strong>pagos m\u00e1s altos<\/strong> en periodos cortos.<\/td><\/tr><tr><td><strong>Tolerancia al Riesgo<\/strong><\/td><td>Alta. La PyME est\u00e1 dispuesta a <strong>comprometer un activo<\/strong> valioso.<\/td><td>Baja. La PyME busca <strong>proteger sus activos<\/strong> a toda costa.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de firmar cualquier contrato, es crucial que la PyME calcule el <strong>Costo Anual Total (CAT)<\/strong>, que incluye intereses, comisiones y otros gastos, para tener una visi\u00f3n completa del costo real de cada opci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En\u00a0<a href=\"https:\/\/va-financiera.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">VA Financiera<\/a>\u00a0puedes encontrar la mejor opci\u00f3n en cr\u00e9ditos con tasas de inter\u00e9s competitivas que te ayudar\u00e1n a crecer tu empresa.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El financiamiento es el motor de crecimiento de cualquier Peque\u00f1a y Mediana Empresa (PyME), pero la elecci\u00f3n de la herramienta [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1204,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs<\/title>\r\n<meta name=\"description\" content=\"\u00bfBuscas financiamiento alto? Descubre los cr\u00e9ditos garantizados para PyMEs. Accede a las mejores tasas del mercado y a buen capital.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/\" \/>\r\n<meta property=\"og:locale\" content=\"es_ES\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs\" \/>\r\n<meta property=\"og:description\" content=\"\u00bfBuscas financiamiento alto? Descubre los cr\u00e9ditos garantizados para PyMEs. Accede a las mejores tasas del mercado y a buen capital.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/\" \/>\r\n<meta property=\"og:site_name\" content=\"VA-Financiera\" \/>\r\n<meta property=\"article:published_time\" content=\"2025-11-03T18:56:03+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2025-11-20T17:41:36+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/11\/Jueves-20-1.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"960\" \/>\r\n\t<meta property=\"og:image:height\" content=\"500\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"VA-Financiera\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"VA-Financiera\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/\"},\"author\":{\"name\":\"VA-Financiera\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#\\\/schema\\\/person\\\/3fa879baea83cf8b6d0fc14cb2e62b74\"},\"headline\":\"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs\",\"datePublished\":\"2025-11-03T18:56:03+00:00\",\"dateModified\":\"2025-11-20T17:41:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/\"},\"wordCount\":1083,\"publisher\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/creditos-garantia-scaled.jpg\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/\",\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/\",\"name\":\"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/creditos-garantia-scaled.jpg\",\"datePublished\":\"2025-11-03T18:56:03+00:00\",\"dateModified\":\"2025-11-20T17:41:36+00:00\",\"description\":\"\u00bfBuscas financiamiento alto? Descubre los cr\u00e9ditos garantizados para PyMEs. Accede a las mejores tasas del mercado y a buen capital.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#primaryimage\",\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/creditos-garantia-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/creditos-garantia-scaled.jpg\",\"width\":2560,\"height\":1709,\"caption\":\"credito garant\u00eda\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/creditos-con-garantia\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/\",\"name\":\"VA-Financiera\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#organization\",\"name\":\"Va Arrendamiento y Cr\u00e9dito\",\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/va-financiera-logo.png\",\"contentUrl\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/va-financiera-logo.png\",\"width\":390,\"height\":135,\"caption\":\"Va Arrendamiento y Cr\u00e9dito\"},\"image\":{\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/#\\\/schema\\\/person\\\/3fa879baea83cf8b6d0fc14cb2e62b74\",\"name\":\"VA-Financiera\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/favicon-va-1-150x150.png\",\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/favicon-va-1-150x150.png\",\"contentUrl\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/favicon-va-1-150x150.png\",\"caption\":\"VA-Financiera\"},\"url\":\"https:\\\/\\\/va-financiera.mx\\\/blog\\\/autor\\\/infraestructura\\\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs","description":"\u00bfBuscas financiamiento alto? Descubre los cr\u00e9ditos garantizados para PyMEs. Accede a las mejores tasas del mercado y a buen capital.","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:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/","og_locale":"es_ES","og_type":"article","og_title":"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs","og_description":"\u00bfBuscas financiamiento alto? Descubre los cr\u00e9ditos garantizados para PyMEs. Accede a las mejores tasas del mercado y a buen capital.","og_url":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/","og_site_name":"VA-Financiera","article_published_time":"2025-11-03T18:56:03+00:00","article_modified_time":"2025-11-20T17:41:36+00:00","og_image":[{"width":960,"height":500,"url":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/11\/Jueves-20-1.jpg","type":"image\/jpeg"}],"author":"VA-Financiera","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"VA-Financiera","Tiempo de lectura":"5 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#article","isPartOf":{"@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/"},"author":{"name":"VA-Financiera","@id":"https:\/\/va-financiera.mx\/blog\/#\/schema\/person\/3fa879baea83cf8b6d0fc14cb2e62b74"},"headline":"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs","datePublished":"2025-11-03T18:56:03+00:00","dateModified":"2025-11-20T17:41:36+00:00","mainEntityOfPage":{"@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/"},"wordCount":1083,"publisher":{"@id":"https:\/\/va-financiera.mx\/blog\/#organization"},"image":{"@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#primaryimage"},"thumbnailUrl":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/11\/creditos-garantia-scaled.jpg","articleSection":["Uncategorized"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/","url":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/","name":"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs","isPartOf":{"@id":"https:\/\/va-financiera.mx\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#primaryimage"},"image":{"@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#primaryimage"},"thumbnailUrl":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/11\/creditos-garantia-scaled.jpg","datePublished":"2025-11-03T18:56:03+00:00","dateModified":"2025-11-20T17:41:36+00:00","description":"\u00bfBuscas financiamiento alto? Descubre los cr\u00e9ditos garantizados para PyMEs. Accede a las mejores tasas del mercado y a buen capital.","breadcrumb":{"@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#primaryimage","url":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/11\/creditos-garantia-scaled.jpg","contentUrl":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/11\/creditos-garantia-scaled.jpg","width":2560,"height":1709,"caption":"credito garant\u00eda"},{"@type":"BreadcrumbList","@id":"https:\/\/va-financiera.mx\/blog\/creditos-con-garantia\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/va-financiera.mx\/blog\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9ditos con Garant\u00eda vs. Sin Garant\u00eda para PyMEs"}]},{"@type":"WebSite","@id":"https:\/\/va-financiera.mx\/blog\/#website","url":"https:\/\/va-financiera.mx\/blog\/","name":"VA-Financiera","description":"","publisher":{"@id":"https:\/\/va-financiera.mx\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/va-financiera.mx\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/va-financiera.mx\/blog\/#organization","name":"Va Arrendamiento y Cr\u00e9dito","url":"https:\/\/va-financiera.mx\/blog\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/va-financiera.mx\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2020\/12\/va-financiera-logo.png","contentUrl":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2020\/12\/va-financiera-logo.png","width":390,"height":135,"caption":"Va Arrendamiento y Cr\u00e9dito"},"image":{"@id":"https:\/\/va-financiera.mx\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/va-financiera.mx\/blog\/#\/schema\/person\/3fa879baea83cf8b6d0fc14cb2e62b74","name":"VA-Financiera","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/02\/favicon-va-1-150x150.png","url":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/02\/favicon-va-1-150x150.png","contentUrl":"https:\/\/va-financiera.mx\/blog\/wp-content\/uploads\/2025\/02\/favicon-va-1-150x150.png","caption":"VA-Financiera"},"url":"https:\/\/va-financiera.mx\/blog\/autor\/infraestructura\/"}]}},"_links":{"self":[{"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/posts\/1203","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/comments?post=1203"}],"version-history":[{"count":2,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/posts\/1203\/revisions"}],"predecessor-version":[{"id":1207,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/posts\/1203\/revisions\/1207"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/media\/1204"}],"wp:attachment":[{"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/media?parent=1203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/categories?post=1203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/va-financiera.mx\/blog\/wp-json\/wp\/v2\/tags?post=1203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}