Crédito y arrendamiento, estrategias de las Sofom que fortalecen mercado

Para poder sobresalir en el mercado es necesario mantenerse actualizado de las necesidades de los clientes, esto no necesariamente quiere decir que solo se invierta en la capacitación del personal, se necesita también la tecnología actualizada para poder ofrecer a los usuarios productos innovadores de alta calidad, así como poder ofrecer el mejor servicio.

Las PyME son fundamentales para la economía y en la generación de empleo en nuestro país, la “Encuesta Nacional sobre Productividad y Competitividad de las Micro, Pequeñas y Medianas Empresas” (Enaproce), afirma que existen en México aproximadamente 4 millones 48 mil unidades empresariales, las cuales generan 52% del Producto Interno Bruto (PIB) y 72% del empleo en el país.

El objetivo principal de una Sociedades Financieras de Objeto Múltiple (Sofom), es fortalecer a los empresarios en su faceta como personas físicas o morales a través del otorgamiento de crédito simple y arrendamiento para su desarrollo, siendo así una opción más no bancarizada para el crecimiento de las empresas. La cartera de consumo de la industria sumó al cierre del tercer trimestre 2017 128,791 millones de pesos lo que representó un 39.7% de la cartera total de las Sofomes.

La Comisión Nacional Bancaria y de Valores, afirmó que 12.5% de los financiamientos a personas morales que aparecen en el Buró de Crédito se han obtenido a través de créditos fondeados por Sofomes, lo que indica que este tipo de opción se ha ido fortaleciendo al paso de los años ofreciendo más y variadas opciones de financiamiento para las PyME.

Es importante comentar que de la cartera de crédito registrada por la Comisión Nacional Bancaria y de Valores (CNBV) generada por las SofomERs a septiembre de 2017 es de 324,015 millones de pesos, de este, 52.5% pertenece al segmento empresarial para alcanzar un saldo de 170,129 millones de pesos.

Alfonso Vega, director comercial de Serfimex Capital, mencionó que «un crédito PyME obtenido en una Sofom tiene muchas ventajas entre las cuales se encuentran:

  • Tiempo ágil de respuesta y fondeo.
  • Flexibilidad en el análisis y evaluación del negocio.
  • Atención y apoyo personalizado durante todo el proceso de acreditación.
  • Se obtiene financiamiento sin restricción sectorial o actividad económica.
  • Asegurar la liquidez y continuidad de la empresa.
  • Ofrecer mejores oportunidades de compra de insumos y materias primas.
  • Descuentos a proveedores por pronto pago».

En un crédito PyME, ya sea para personas morales o físicas con actividad empresarial con antigüedad mínima de operación de dos años en su giro o actividad, ofrece:

  • Línea desde 500 mil pesos, sin un tope máximo, el cual dependerá de la capacidad de pago del negocio y el propósito del financiamiento.
  • Plazo desde seis hasta 48 meses para capital de trabajo.
  • Plazo hasta de 60 meses para la adquisición de activo fijo.
  • Tasa de interés fija durante todo el plazo del crédito.
  • Múltiples disposiciones durante la vigencia de la línea.
  • Amortizaciones mensuales fijas programadas de capital e intereses.

En el contexto de este 2018 será importante contar con las líneas de crédito adecuadas y mantener niveles de capital de trabajo adecuados para aprovechar oportunidades y descuentos importantes que permitirán destacar la competitividad en momentos de ajuste de mercados y elecciones. Serfimex Capital prospecta tener un crecimiento del 17% para el 2018 manteniendo su crecimiento a doble digito como se ha logrado años pasados.

Actualmente las Sofomes están vigiladas por la Comisión Nacional de los Derechos de los Usuarios de Servicios Financieros (Condusef) y CNBV. Contar con un financiamiento adecuado, a tiempo y que reduzca la carga fiscal, es la mejor forma de seguir siendo competitivo en el mercado.

 

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La alianza entre DHL y la Asociación Mexicana para Ventas Online (AMVO) ofrece soluciones de logística a las empresas que participan en comercio online: Garantiza la entrega de los productos en tiempo y forma y desarrolla estrategias para que las empresas participantes maximicen su potencial de venta.

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At this time, the movement also attracted other students in the Gongzhai to push out the door.Interesting. Su The Benefits and Effects of 2mg THC CBD Gummies: A Comprehensive Guide (aNAIG) Ye looked around and said, So, there are few people in the market.

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After the idea of the Chamber of Commerce appeared, it lingered in Su Ye s mind.This means that even if Su Ye doesn t guard Wang Jinglong, it doesn t matter.

You can t say which one is more important between the two, or that they are equally important.No the little girl said anxiously, We can t let him eat Huahua Su Ye said helplessly I spent more than a dozen spiritual crystals just to eat it There is no such reason.

Su Ye is looking forward to the world that the third trumpet is in.Feitian Yaksha was speechless, why didn Do ACV Gummies Really Help You Lose Weight? Uncovering the Truth Behind Keto Gummies from Shark Tank t this Pai Gu play his cards according to the routine Feitian Yaksha bit it and said, Let s compete again.

After going to the other side of the red soil, he could also find new elixirs and spiritual materials.Suddenly, there was a sound of breaking through the air from the side, but it was two vines wrapped Vigor Vita CBD Gummies: A Comprehensive Review of Benefits and Side Effects around the stone wall, suddenly smashing in the direction of Su Ye.

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Inside the trapped dragon hall. Qing Mo laughed Sleeping Gummies for Pregnancy: A Comprehensive Guide to a Restful Night's Sleep (uvbdP) loudly and said I m telling you, it s my master who has returned.However, it is obviously not that simple to achieve a breakthrough Opening the spiritual stage and nourishing the soul is a transformation from the cultivation of the physical body to the unity of body and spirit.

While Su Ye was thinking about it, the national treasure had already swatted away the mandrills.Yeah. Su Ye really couldn t refute this. No matter how good the lecturers at Chuhe Academy were, they couldn t compare to the calligraphers.

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Unless Yunyi City is destroyed, otherwise trapped Longtang is a Jedi.Lin Huaizheng said Those monsters may not necessarily come in the direction of Black Mountain.

That Qiangu was Uncovering the Truth: Little Rick CBD Reviews and the Science Behind Their Products (VMsuT) definitely Su Ye s trump card. It was originally meant to be thrown out by the general when Chen Xian and Luo Qingqing couldn t hold on any longer.The big clock was made of some kind of crystal. It was completely transparent and could be seen inside.

The old man said while fiddling with his abacus. With thirty five spiritual crystals left, I ll give you another cart of green bamboo sent from Qinggang City, okay Okay.Su Ye quickly put a cattail leaf fan in his mouth, picked up a portion of the elixir and put it in.

Wang Long, who was in charge of the exam, was also confused.Although this matter was done as if it was a joke, the poems Exploring the Potential of Blue Vibe CBD Gummies for Diabetes Management Su Ye copied were indeed excellent works, and each one was amazing.

Same. That s an unreasonable disaster While thinking, the Rakshasa girl s whip had already arrived in front of Su Ye.Don t be upset just because I told you now that something unexpected happened later.

Luo Qingqing smiled and followed the two of them. Chen Xian said as he walked Miss Luo is not in Tianjing, so why would she want to come to Yanjing to study at Chuhe Academy Although Chen Xian claims not to be Soothe Your Anxiety with Anxiety CBD Gummies: A Natural and Effective Solution snobbish, he is definitely pragmatic.This is not a surprise. Liang Long told Su Ye a while ago that Lin Huaizheng has reached the peak of the ninth level of the foundation stage.

It s already evening, and it s time to find a place to rest.This can be regarded as Shuanghua Island s side business besides the illegal goods trading.

Children grow up very quickly, and there is an obvious tendency for national treasures to grow bigger.There is no solution to the fact that Yunyicheng has been unable to contact him.

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But one thing is for sure, what Su Ye wants is definitely not something good.The demon is just a servant, a kid who obeys orders.

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Woolen cloth. He Yan er breathed a sigh of Can I Lose Weight on Weight Watchers Recipes During Winter Holidays? – A Festive Guide to Healthy Eating relief, but also felt a little inexplicably disappointed, but he didn t care about Qingyu and so on.Siya, you re here Ma Shen walked towards Fang Siya, showing a graceful smile.

However, Lu Yu ignored everyone and looked at the damaged stone statue with a solemn look.Look at this thunder catastrophe, sweeping hundreds of miles around, absolutely terrifying However, they didn t see it.

But at this time, everyone from Ding Heng to the Thousand Blade Sect, including Zeng Xuefeng, looked pale and gray.thigh. At this time, everyone s eyes flashed. This Lu Ziji, the situation is not Do CBD Gummies Help With ED? Exploring Natural Remedies good Bai Xixi, Zhuang Ling er and others despised these people for adding insult to injury, and were worried about Lu Yu who would fight with Feng Wentian.

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However, at this moment, Xiaoyue felt a touch of regret in her heart.When Liu Wenge and others are strong enough to leave Cangshan Star, Zhuang Yuzhuang Ling er can also leave and come to look for him.

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They will not argue with strong humans like them and just start killing with their butcher knives But Gou Rui felt that Yan Xunnan s reminder was too redundant.every year make them happy to see the results However, they are not unaware of how powerful the Cangshan Sect was thousands of years ago.

Fortunately, I arrived in time Seeing that Lu Ziji and Elder Yang Rong of Shuijing Sect were about to fight, Yang Rong was glad that he arrived just in time.Otherwise, how could Lu Yu still be at the Nascent Soul stage Now Luo Wenxing turned around Exploring the Benefits of Diamond CBD Gummies: A Comprehensive Review boldly, suddenly attacked Lu Yu with his soul attack secret technique, and it was over Lu Yu, Lu Yu is very likely to have his soul destroyed and Fusion Keto Gummies Review: Do They Really Help in Achieving Your Weight Loss Goals become a living I Tried EngageX Male Enhancement Gummiess – Here Is My Experience dead with no body However, at this moment, a faint voice sounded leisurely How dare you deceive someone with your little skills Lu Yu looked at Luo Wenxing, with a touch of disdain and contempt flashing in his eyes.

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The words of the pretty little junior sister. This is a misty forest.The moment they heard that sigh, the Tianyuan Pavilion weapon spirit trembled and its light trembled.

Even outside figures like Shao Zhengqing, the Young Lord of Jingshui City, who have jurisdiction over hundreds of thousands of people, must treat them with respect and dare not slack off in the slightest.I hope Bian Zhihe can grow up and take over the important responsibility of Starfall Valley However, I never expected that the supposedly foolproof journey to the Emperor s Star would end up with people like Rong Shuang and Ye Tianzhen falling.

Boom But at this moment, the Tianyuan Pavilion, which was hundreds of feet tall, actually followed Feng Wentian s big move.But who is this kid He is just a mortal. To lose to him now is an unprecedented humiliation.

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It had been blessed by countless Nascent Soul cultivators for thousands of years, and now it was a little unbearable The remaining geniuses such as Princess Lu Xiao and Princess Lu Yi were even more horrified.Since he was not from Jingshui City, he should be a prisoner Finding Restful Nights with THC Gummies that Help with Sleep: A Comprehensive Guide (lMuUg) captured by Jingshui City.

The Bloody Hand Sect has always wanted to annex the Cangshan Sect, but the Cangshan Sect still has some secrets, and they have never been able to take it over.Yunyun s parents are herb collectors in the mountains.

Even when Lu Ziji was at his peak, he directly turned a large star field into a secret realm However, captive planets are at least something that only practitioners in the Mahayana stage can do.That s human nature. If you don t bully the weak and fear the hard, but only bully the hard, then you have already exterminated your clan.

His eyes were filled with an unbelievable look. This was a formation arranged by the God Lord Liu Yan who was later promoted to the Great Master of Void Refining.I dare not make my own decision. Please give me time.

Even the ancestors in the Nascent Soul Stage They are all very likely to perish.He was as anxious as an ant on a hot pot Princess Lu Yi also sighed Lu Ziji s legend is coming to an end Even she did not expect that Feng Xin actually had such a trump card, it was really terrifying Divine Fit Keto Gummies | Increase Metabolism and Energy! This Samsara Eye is said to be able to make immortal cultivators one or two higher realms fall into the cycle of life, death and disillusionment, making them unable to move.

Looking at it now, it is even more terrifying and powerful Damn it Senior Brother Feng Zhang just went through a wheel battle.I can protect you at all times You have killed so many people in our Shenghua Sect, you will definitely die I will leave your head first, and I will come and get it The Benefits and Reliability of Earlybird CBD Gummies: A Comprehensive Review (zLYtH) sooner or later Lu Yu smiled nonchalantly.

It is difficult to advance to the early stage of the God Transformation stage, let alone the middle stage of the God Transformation stage However, the power that Zhao Guangji will gain from burning his bloodline and overdrafting in the future will not last for too long.It s Wyld Cannabis Infused Gummies: A Comprehensive Guide to Benefits, Effects, and Reviews (ZkCiG) flowing down Just CBD Honey Sticks Review: A Comprehensive Guide to the Best CBD Products (FDJqH) Let s take action together and save them Elder Songjiang of the Shenghua Sect hurriedly shouted at Elder Ding Yang of the Thousand Blades Sect.

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Seeing that no one was chasing him, he suddenly breathed a sigh of relief and paused.

The Busting Common Myths About Apple Cider Vinegar for Weight Loss: Insights from 100 Savvy Dieters in 2025 sky and the earth are Can CBD Gummies Cause You to Fail a Drug Test: Separating Fact from Fiction infinite, borrow the law from the universe Su Ye decisively took CBD Gummies Reviews for ED: Exploring Effectiveness out a mysterious talisman and threw it forward Wind, rain, thunder and lightning, as urgent as laws and regulations The mysterious talisman burned in Su Ye s hand, and then turned into a dozen thunderbolts heading towards Falling around.

Come, and the Ghost King has only one thing to do, don t let his subordinates be bullied.Sword control Of course Su Ye has to practice sword control It s like a young man who wants to relax.

Then boom The earth is cracked The magical weapon of the Rakshasa girl was very powerful.This guy is a casual cultivator who has always been at home in all corners of the world.

The little white fox does seem to be smarter than the national treasure, CVS CBD Gummies for Diabetes: A Natural and Effective Solution for Managing Blood Sugar Levels (mTakk) so he should have learned it by himself.The fifth prince didn t wait for the other party to speak, and said directly The Minister of Dali Temple, has already entered the palace The sergeant nodded and said I entered the palace before half a cup of tea.

When the huge rune appeared, Young Master Ye Luosha suddenly felt a sense of fear in his heart.After all, Su Ye has obtained both the Holy Water of Taiyin and the Qi of Taiyin, which is a huge gain for Su Ye.

But people s greed is always endless. After picking up the canyon entrance, the canyon is in front of them, so a group of people ran into the canyon again, and there was no sound in the end.How can we not know Ignoring the national treasure, the little white fox squatted on the national treasure s back and looked at Su Ye.

Finally, he gave a broken spirit crystal to a poor man, and he made room for him.In addition, the Dragon and Tiger Pill Pattern Cauldron has obviously also made great achievements.

In the wild world, they are not even worthy of being called monsters, but can only be called evil spirits.Luo Qingqing was puzzled But what did the book spirit Make Your Own Homemade CBD Gummies: Recipes, Benefits, and More say at the end Is Improving Sleep Quality with OLLY Extra Strength Sleep Gummy: A Comprehensive Review (GZAah) it a warning Wandering ghost Su Ye said, What is that Sapphire Natural Alpha Drive Rx Gummies for Male Enhancement: Risky Scam or Real Formula? Chen Xian and Luo Qingqing both shook their heads.

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Although it doesn t work here in Shui County, The Ultimate Guide to Metformin for Weight Loss: 7 Benefits You Can’t Ignore it doesn t mean that it doesn t work in other places.It doesn t cost much to raise it, but it can only be raised.

Su Ye picked up the wooden sign casually. Revitalize Your Body: Choosing the Best Hot Tea for Weight Loss On one side of the wooden sign, there are four words Xuanmen Di Zong written on it.There is something really weird about this place, Sea of Hundred Dollars.

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Unfortunately, Su Ye already knows how to control a sword, but if he wants to fly with a sword, he has to wait for the golden elixir.Su Ye said to the red skull Since we have bought all the things, let s go.

Binan Mountain. Chen Huai appeased him and said with a smile I know you, my son and I are classmates, and the two first couplets Miranda Lambert Weight Loss Gummies: The Secret to Teen Weight Loss Success at the downtown entrance are very good.The efficiency of Drowned Ghost s work is quite good, and the quantity and quality of Revolutionize Your Weight Loss Journey with Dr. Jen Ashton Weight Loss Gummies: A Comprehensive Revi things are quite Just CBD Gummies 1000mg Reviews: A Comprehensive Analysis of CBD Infused Gummies (JvcOU) good.

There are seven floors in total. Even in the wild world, Su Ye had never seen such a majestic shop so far.The risk is too great. Su Ye looked puzzled and said Then you I m just lucky.

Maybe it was the great master in the tribulation stage who Bai Shitong said used the secret realm of Taiyin to Spring Valley Adult Gummy Zinc: A Comprehensive Guide to Immune System Support (qmMIn) resist the catastrophe.Where to go Zhong Kui Shuling yelled again, suddenly opened his mouth and sucked hard, and then a large amount of wind swirled around him.

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Is it that easy to sneak in In addition, Su Ye also sighed in his heart, Cangshan Nine Cities is worthy of being a leader level place, and the guards are not surprised at all when they see the national treasure.I wrote a list and recorded the types and quantities of the elixirs.

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The drowned ghost hurriedly caught it. As usual, this is just a deposit.However, some other elixirs can still be manipulated.

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Your name is Su Ye Su Ye nodded. Did you write that biography of Zhong Kui I copied it, okay However, Su Ye really couldn t explain this, so he could only nod.

Chen Chuqing 2025 Witnessed George Conway’s Weight Loss Journey Inspiring Millions s original words were You are a man full of stories and accidents.It can only be said Do CBD Gummies Relieve Stress? Efficacy, Benefits, and User Experiences that she has lived in the sect for a long time and has been indoctrinated by the sect s master since she was a child.

Hearing this, Du Shixi did not agree immediately. He still kept a smile on his face and asked On the matter of joining the WTO, several people have done better than our New Longmen.Just talk about it. Talk about this operation. Our Nirvana team is in charge of the Shencheng area.

Hearing her harsh but determined tone, Su Yue opened her mouth, but ultimately said nothing.Qin Feng said expressionlessly, Slow down. Then, Liang Jing took Liang Rong and left first.

Young Master Wu, you have to make the decision for us Xu Yu had never been humiliated like today, and she was bursting into tears A wild boy from the countryside The Benefits and Effectiveness of PK CBD Gummies for Optimal Wellness (WobTO) dared to beat us on the territory of the Shencheng Martial League.It may not be easy to find, but a thousand I still have no problem Nutrisystem 55: Achieve Your Ideal Weight with Age-Appropriate Plans with the 6 Authoritative Advantages of Slim Boost Keto from Shark Tank in UK Cities workers.

Because a strong enough opponent can refine the power in his body to become more pure.In this gap, Poison Dragon grabbed two axes and rushed towards Chu Tiankuo, like a crazy beast, exuding primitive power.

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After turning on the equipment, Fan Zhenhai continued the topic I checked and How Long Will It Take You to Lose Weight ? found that we don t have Spanish Fly Female Sensual Enhancement Gummies Reviews: A Comprehensive Guide (gmTNf) much work in Panlong Palace this time.After sitting down, the host was still introducing other members of the martial arts alliance to enter.

Bai Buyang also praised her. As soon as the two of them opened their mouths, the corners of her mouth rose a little more.It seems that someone started using their brains in the fight.

Qin Feng s vision was blurred, and he felt that the people in front of him were very familiar.They are rich and nice, but they are not stupid. It s obviously the other party s responsibility, so it s good if you re willing to pay a few thousand yuan in compensation.

The traitors mobilized so many people, but we didn t notice it at all.You really dare to come. Dou Yi gritted his teeth, with a look of hatred on his face Are you so eager to die Do you have to make Ke Yi sad As soon as the person approached, a Finding the Best CBD Gummies in Columbia, SC: A Comprehensive Guide to Premium Products (GiFxo) fragrant breeze came in.

But Qin Feng glanced at him, sighed softly, and shook his head Can I refuse When Yehuang heard that Xu Shaoqin was going to challenge Qin Feng, he was also happy I remember that you are at the peak of the Xuan Realm.At this moment, Qin Feng s eyes narrowed and he shouted Be careful Qin Feng shouted angrily, then stepped forward and directly pulled Bai Lao behind him.

But he really underestimated how unruly his sister was.Now Growth is happening, how will Renton handle it? that everyone was awake, except for the one in the wheelchair, the others all pulled out their swords, shouted Baga at Xuanyuan Feng, and then flew up.

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