Fortecol: la primera plataforma de inversiones y financiamiento en Colombia

The current economic situation in Colombia has tested the ability of small and medium- size enterprises (SMEs) and individuals to face liquidity and financial solvency challenges. SMEs, in particular, have experienced difficulties in maintaining a healthy cash flow due to factors such as inflation, currency devaluation, and rising input and service costs. This situation has generated an urgent need for financing alternatives that allow them to cover their obligations without incurring debts that are difficult to sustain. In this context, factoring business through a digital platform emerges as a viable and accessible solution. This type of financing allows companies to obtain liquidity quickly and flexibly by discounting invoices, without the need to resort to traditional credit. A digital platform facilitates and streamlines this process, allowing SMEs to manage the financing of their accounts receivable efficiently and securely, improving their payment capacity and strengthening their cash flow. In addition to providing an immediate solution to liquidity problems, digital factoring contributes to a more sustainable financial culture in Colombia. By offering an alternative that does not involve new debt and allows the effective use of assets (invoices), this practice promotes a responsible financing model adapted to the real needs of companies. Likewise, factoring, as a financial tool, has the potential to transform the financial culture in Colombia, especially in terms of savings and investment. Traditionally, in Colombian culture, access to financing for SMEs and individual savings have faced limitations due to a strong dependence on conventional credit systems and a culture of immediate consumption. Incentivizing the use of factoring through digital platforms can offer effective alternatives, promoting sustainable financial practices and strengthening financial education. However, this system also lays the foundation for a more resilient and sustainable financial ecosystem. This business model has the potential to contribute significantly to financial inclusion in the country, allowing companies and individuals to optimize their resources and strengthen their economic stability in the long term.

• Autores: Martinez Cussa, Eliana Maria
• Fecha de publicación: 2024
• Institución: Corporación Universidad de la Costa
• Repositorio: REDICUC - Repositorio CUC
• Idioma: spa
• OAI Identifier: oai:repositorio.cuc.edu.co:11323/13868
• Acceso en línea: https://hdl.handle.net/11323/13868; https://repositorio.cuc.edu.co/
• Palabra clave: Plataforma; Financiamiento; Empresa; Factoring; Innovación; Estrategias; Tecnología; Regulaciones; Platform; Financing; Company; Factoring; Innovation; Strategies; Technologies; Regulations
• Rights: openAccess
• License: Atribución-NoComercial-CompartirIgual 4.0 Internacional (CC BY-NC-SA 4.0)