{"id":17060,"date":"2023-12-18T12:20:32","date_gmt":"2023-12-18T11:20:32","guid":{"rendered":"https:\/\/bstartup.bancsabadell.com\/?p=17060"},"modified":"2023-12-18T13:34:32","modified_gmt":"2023-12-18T12:34:32","slug":"financament-bancari-en-clau-startup","status":"publish","type":"post","link":"https:\/\/bstartup.bancsabadell.com\/ca\/financament-bancari-en-clau-startup\/","title":{"rendered":"Finan\u00e7ament bancari en clau Startup"},"content":{"rendered":"
\n
\n
\n Com trobar finan\u00e7ament no dilutiu en les etapes inicials de la meva startup?<\/strong>\r\n\r\nCom \u00e9s sabut, el capital privat \u00e9s la font de finan\u00e7ament principal entre les empreses innovadores en les seves etapes inicials, quan el risc \u00e9s m\u00e9s elevat. Hi ha inversors disposats a assumir aquest risc a canvi d’una participaci\u00f3 en el capital de l’empresa, ja que en passar a ser soci de la companyia el seu apetit de risc pot ser major, concorde a les expectatives d’un potencial d’elevat retorn en la seva inversi\u00f3.\r\n\r\n \r\n\r\nEl finan\u00e7ament bancari<\/strong> no pren participaci\u00f3 de les companyies, no \u00e9s dilutiu per als emprenedors i, per tant, molt m\u00e9s barata per a una companyia, nom\u00e9s cal retornar-la amb un inter\u00e8s. Per\u00f2 aqu\u00ed el binomi risc\/benefici tamb\u00e9 juga un paper: les entitats banc\u00e0ries han de c\u00f3rrer menys riscos que els inversors privats al no tenir aquest potencial d’elevat retorn que t\u00e9 l’inversor.\r\n\r\n \r\n\r\nPer\u00f2 aix\u00f2 no significa que un Banc no pugui finan\u00e7ar startups, ja que podem trobar situacions en les quals el risc est\u00e0 delimitat o \u00e9s relativament baix. I secundar-se en fonts de finan\u00e7ament amb un perfil de risc m\u00e9s moderat, com la banc\u00e0ria<\/strong>, pot ser una decisi\u00f3 encertada en l’estrat\u00e8gia financera d’una startup.\r\n\r\n \r\n\r\nQuin tipus de finan\u00e7ament bancari pot ser m\u00e9s adequat per la meva startup?<\/strong>\r\n\r\nQuan parlem de riscos delimitats<\/strong> prenen rellev\u00e0ncia dos factors, el temps i la seguretat del pagament futur. Per aquest motiu, els instruments de finan\u00e7ament bancari per a cuidar la caixa<\/strong> poden ser una bona soluci\u00f3, ajudant a cobrir les necessitats de finan\u00e7ament del capital circulant i allargar el runway.\r\n\r\n \r\n\r\nSecundar-se en el finan\u00e7ament bancari, per exemple, per a cobrir els desfasaments de tresoreria originats pels cobraments i pagaments per a startups B2B pot ser una bona idea, permetent incrementar la capacitat de maniobra i fer cr\u00e9ixer les vendes a major velocitat.\r\n\r\n \r\n\r\nEl finan\u00e7ament bancari tamb\u00e9 pot ser una bona eina per a afrontar projectes secundats amb fons p\u00fablics. Si s’ha validat l’execuci\u00f3 de les fites del projecte i la garantia de cobrament \u00e9s certa, estudiarem l’avan\u00e7ament [PSY1] [CPE2] del cobrament, permetent millorar la liquiditat. Un altre exemple \u00e9s la monetitzaci\u00f3 dels incentius fiscals per r+D+i, que pot permetre l’avan\u00e7ament parcial d’aquests.\r\n\r\n \r\n\r\nAltres instruments com els pr\u00e9stecs o els r\u00e8ntings poden ajudar en el finan\u00e7ament d’aquells actius que necessiten majors terminis d’amortitzaci\u00f3. Per a poder accedir a aquests instruments \u00e9s clau disposar de la previsi\u00f3 de caixa suficient per a afrontar els compromisos durant el per\u00edode de finan\u00e7ament.\r\n\r\n \r\n\r\nCom millorar les garanties d’\u00e8xit en la cerca de finan\u00e7ament bancari?<\/strong>\r\n\r\nCom d\u00e8iem, el finan\u00e7ament bancari pot ser una soluci\u00f3 adequada per al capital circulant o working capital, aix\u00ed doncs, disposar de facturaci\u00f3 a clients<\/strong> i pagaments a prove\u00efdors \u00e9s un aspecte clau, utilitzant-se el finan\u00e7ament bancari per a cobrir les bretxes de tresoreria entre els cobraments i pagaments.\r\n\r\n \r\n\r\nUn altre factor clau \u00e9s l’estructura financera de la companyia. \u00c9s important disposar d’uns fons propis saludables<\/strong> i suficients per al desenvolupament del pla estrat\u00e8gic de la companyia, aix\u00ed com una previsi\u00f3 a llarg termini de les necessitats de capital, que permetin mantenir un equilibri entre el capital propi i l’endeutament.\r\n\r\n \r\n\r\nI per descomptat, disposar de les previsions de caixa suficient<\/strong> per a atendre els compromisos futurs.\r\n\r\n \r\n\r\nTot i que no acostuma a ser la font principal de finan\u00e7ament, el finan\u00e7ament bancari pot ser un bon complement en l’estrat\u00e8gia global de finan\u00e7ament.\r\n\r\n \r\n\r\nAlguna cosa m\u00e9s a tenir en compte?<\/strong>\r\n\r\nCom en qualsevol negociaci\u00f3, \u00e9s important explicar amb detall la situaci\u00f3 actual de la companyia, les necessitats de finan\u00e7ament identificades i argumentar les previsions de caixa i de negoci que prediuen la capacitat d’atendre els pagaments futurs i el finan\u00e7ament.\r\n\r\n \r\n\r\nTenint en compte el ritme \u00e0gil de desenvolupament de les startups, \u00e9s molt important disposar i facilitar la informaci\u00f3 actualitzada de la companyia amb regularitat i una anal\u00edtica financera senzilla per\u00f2 efica\u00e7.\r\n\r\n \r\n\r\nTingues tamb\u00e9 en compte que per a estadis posteriors de la teva startup o per a scaleups disposem d’instruments de finan\u00e7ament m\u00e9s sofisticats. Un exemple podria ser el Venture Debt, que sense ser un instrument no dilutiu, la seva diluci\u00f3 \u00e9s petita comparada amb la del Venture Capital.\r\n\r\n \r\n\r\nRecorda, el finan\u00e7ament bancari pot ser un excel\u00b7lent suport financer per a acompanyar el creixement del teu startup. Estarem encantats d’assessorar-te.\r\n\r\n \r\n\r\nEnric Chiva<\/strong>\r\nDirector Comercial BStartup \n <\/div>\n <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":17032,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[266],"tags":[],"class_list":["post-17060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financament"],"acf":[],"yoast_head":"\nFinan\u00e7ament bancari en clau Startup<\/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:\/\/bstartup.bancsabadell.com\/financiacion-bancaria-en-clave-startup\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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