{"id":185510,"date":"2026-03-27T09:47:15","date_gmt":"2026-03-27T12:47:15","guid":{"rendered":"https:\/\/www.itsitio.com\/ar\/?p=185510"},"modified":"2026-03-27T09:47:15","modified_gmt":"2026-03-27T12:47:15","slug":"pymes-en-argentina-el-financiamiento-no-bancario-crece-84-y-redefine-el-acceso-al-credito","status":"publish","type":"post","link":"https:\/\/www.itsitio.com\/ar\/fintech\/pymes-en-argentina-el-financiamiento-no-bancario-crece-84-y-redefine-el-acceso-al-credito\/","title":{"rendered":"PyMEs en Argentina: el financiamiento no bancario crece 84% y redefine el acceso al cr\u00e9dito"},"content":{"rendered":"<p data-start=\"356\" data-end=\"802\">El acceso al financiamiento contin\u00faa siendo uno de los principales desaf\u00edos para las <strong data-start=\"441\" data-end=\"461\">PyMEs argentinas<\/strong>. Seg\u00fan el <strong data-start=\"472\" data-end=\"485\">ICAF 2025<\/strong>, m\u00e1s del <strong data-start=\"495\" data-end=\"518\">66% de las empresas<\/strong> no pudo acceder a financiamiento durante al menos seis meses. Entre las principales barreras, se destacan los <strong data-start=\"629\" data-end=\"667\">requisitos excesivamente exigentes<\/strong>, que afectan a la mitad de los casos, y el <strong data-start=\"711\" data-end=\"757\">desconocimiento de programas de asistencia<\/strong>, se\u00f1alado por un <strong data-start=\"775\" data-end=\"784\">47,7%<\/strong> de las compa\u00f1\u00edas.<\/p>\n<p data-start=\"804\" data-end=\"1146\">En este escenario, muchas organizaciones se ven obligadas a operar con m\u00faltiples proveedores financieros o a depender exclusivamente del sistema bancario tradicional. Esta situaci\u00f3n genera procesos m\u00e1s <strong data-start=\"1006\" data-end=\"1045\">lentos, complejos y poco eficientes<\/strong> para gestionar la liquidez, realizar inversiones o llevar adelante operaciones de comercio exterior.<\/p>\n<p data-start=\"1148\" data-end=\"1598\">Sin embargo, comienzan a consolidarse nuevas alternativas que responden a estas necesidades. El <strong data-start=\"1244\" data-end=\"1274\">financiamiento no bancario<\/strong>, que incluye herramientas como <strong data-start=\"1306\" data-end=\"1338\">fintech, factoring y leasing<\/strong>, registr\u00f3 un crecimiento del <strong data-start=\"1368\" data-end=\"1386\">84% interanual<\/strong> y ya supera los <strong data-start=\"1403\" data-end=\"1419\">$11 billones<\/strong>, seg\u00fan datos de la Agencia de Noticias Argentinas. Este avance refleja una b\u00fasqueda clara de soluciones m\u00e1s <strong data-start=\"1528\" data-end=\"1562\">\u00e1giles, flexibles y accesibles<\/strong> por parte del entramado productivo.<\/p>\n<p data-start=\"1600\" data-end=\"2012\">A partir de esta tendencia, distintas compa\u00f1\u00edas del sector financiero est\u00e1n desarrollando <strong data-start=\"1690\" data-end=\"1712\">modelos integrados<\/strong> que combinan <strong data-start=\"1726\" data-end=\"1748\">tecnolog\u00eda digital<\/strong>, acceso al <strong data-start=\"1760\" data-end=\"1784\">mercado de capitales<\/strong> y soluciones vinculadas al <strong data-start=\"1812\" data-end=\"1838\">comercio internacional<\/strong>. El objetivo es simplificar la operatoria y unificar servicios que hist\u00f3ricamente estaban fragmentados, mejorando la <strong data-start=\"1956\" data-end=\"1995\">eficiencia en la gesti\u00f3n financiera<\/strong> de las empresas.<\/p>\n<p data-start=\"2014\" data-end=\"2364\">\u201c<strong data-start=\"2015\" data-end=\"2186\">Entendemos que detr\u00e1s de cada empresa hay personas buscando agilidad. Nuestro foco es que los procesos sean claros y que cada interacci\u00f3n entregue un resultado medible<\/strong>\u201d, explica <strong data-start=\"2197\" data-end=\"2259\">Hern\u00e1n Barrea, Director Comercial del Grupo Transatl\u00e1ntica<\/strong>, quien destaca la importancia de ofrecer una <strong data-start=\"2305\" data-end=\"2348\">experiencia personalizada y consistente<\/strong> para las PyMEs.<\/p>\n<p data-start=\"2366\" data-end=\"2847\">En este contexto, se consolida una tendencia clave: las empresas que logran <strong data-start=\"2442\" data-end=\"2483\">profesionalizar su gesti\u00f3n financiera<\/strong> y expandirse suelen apoyarse en <strong data-start=\"2516\" data-end=\"2565\">socios estrat\u00e9gicos con trayectoria y solidez<\/strong>, especialmente en regiones productivas como <strong data-start=\"2610\" data-end=\"2661\">C\u00f3rdoba, Santa Fe y el interior de Buenos Aires<\/strong>. All\u00ed, propuestas que integran herramientas digitales \u2014como <strong data-start=\"2722\" data-end=\"2730\">Reba<\/strong>\u2014 y servicios burs\u00e1tiles permiten optimizar la <strong data-start=\"2777\" data-end=\"2800\">gesti\u00f3n de liquidez<\/strong> y generar nuevas oportunidades de crecimiento.<\/p>\n<h3 data-start=\"2366\" data-end=\"2847\"><span style=\"color: #000080\">Leer m\u00e1s<\/span><\/h3>\n<p data-start=\"2366\" data-end=\"2847\"><a href=\"https:\/\/www.itsitio.com\/ar\/columna-de-opinion\/recursos-humanos-ia-vs-ia-el-desafio-de-recuperar-la-autenticidad-en-la-era-de-la-automatizacion\/\">Recursos Humanos: IA vs. IA, el desaf\u00edo de recuperar la autenticidad en la era de la automatizaci\u00f3n<\/a><\/p>\n<p data-start=\"2366\" data-end=\"2847\"><a href=\"https:\/\/www.itsitio.com\/ar\/gaming\/jbl-quantum-650-y-950-la-nueva-generacion-de-headsets-gamer-llega-a-argentina-con-audio-inmersivo-y-maximo-rendimiento\/\">JBL Quantum 650 y 950: la nueva generaci\u00f3n de headsets gamer llega a Argentina con audio inmersivo y m\u00e1ximo rendimiento<\/a><\/p>\n<p data-start=\"2366\" data-end=\"2847\"><a href=\"https:\/\/www.itsitio.com\/ar\/inteligencia-artificial\/marc-vidal-en-argentina-la-ia-generativa-sirve-para-identificar-donde-falla-tu-negocio\/\">Marc Vidal en Argentina: \u201cLa IA generativa sirve para identificar d\u00f3nde falla tu negocio\u201d<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En un contexto desafiante para las empresas, el financiamiento no bancario gana protagonismo con un crecimiento del 84% interanual, mientras m\u00e1s del 66% de las PyMEs sigue enfrentando dificultades para acceder al cr\u00e9dito tradicional.<\/p>\n","protected":false},"author":233,"featured_media":185511,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"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":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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