{"id":105896,"date":"2024-12-09T09:36:54","date_gmt":"2024-12-09T09:36:54","guid":{"rendered":"https:\/\/mentorday.es\/wikitips\/?p=105896"},"modified":"2025-12-02T10:00:40","modified_gmt":"2025-12-02T10:00:40","slug":"microbank-microcreditos-caixabank-emprendedores","status":"publish","type":"post","link":"https:\/\/mentorday.es\/wikitips\/microbank-microcreditos-caixabank-emprendedores\/","title":{"rendered":"Microcr\u00e9ditos para emprendedores: apoyo financiero accesible"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"105896\" class=\"elementor elementor-105896\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c98dde5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c98dde5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1076a75a\" data-id=\"1076a75a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-423817e elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"423817e\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No se ha encontrado ning\\u00fan encabezado en esta p\\u00e1gina.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTabla de contenidos\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__423817e\" aria-expanded=\"true\" aria-label=\"Abrir la tabla de contenidos\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__423817e\" aria-expanded=\"true\" aria-label=\"Cerrar la tabla de contenidos\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__423817e\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546fea5a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"546fea5a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"135\" data-end=\"281\"><strong data-start=\"135\" data-end=\"281\">\u00bfSab\u00edas que puedes conseguir hasta 30.000\u202f\u20ac para lanzar tu negocio con MicroBank sin necesidad de avales si presentas un buen plan de empresa?<\/strong><\/h3><p data-start=\"283\" data-end=\"592\">Aunque muchos emprendedores creen que no tienen opciones si el banco les dice \u201cno\u201d, MicroBank tiene un convenio especial con entidades como mentorDay para apoyar proyectos viables. Si est\u00e1s iniciando un negocio o necesitas un impulso para crecer, esta puede ser la v\u00eda m\u00e1s r\u00e1pida y accesible para financiarte.<\/p><blockquote><p data-start=\"594\" data-end=\"752\" data-is-last-node=\"\" data-is-only-node=\"\">\u201cQuien se prepara, se financia\u201d \u2013 y si cuentas con un plan bien hecho y la orientaci\u00f3n adecuada, las puertas del cr\u00e9dito responsable tambi\u00e9n se abren para ti.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bcf3bb elementor-widget elementor-widget-text-editor\" data-id=\"9bcf3bb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"2113\" data-end=\"2154\">\u00bfQu\u00e9 es un microcr\u00e9dito de MicroBank?<\/h3><p data-start=\"2156\" data-end=\"2558\">Es un pr\u00e9stamo de hasta <strong data-start=\"2180\" data-end=\"2192\">30.000\u202f\u20ac<\/strong>, sin avales ni garant\u00edas reales (salvo personas jur\u00eddicas), dirigido a personas con exclusi\u00f3n financiera que quieren iniciar o ampliar un negocio. Solo se concede tras validar un <strong data-start=\"2372\" data-end=\"2398\">plan de empresa viable<\/strong> con una <strong data-start=\"2407\" data-end=\"2446\">entidad colaboradora como mentorDay<\/strong>.<\/p><h3 data-start=\"2565\" data-end=\"2594\">\u00bfQui\u00e9n puede solicitarlo?<\/h3><p data-start=\"2596\" data-end=\"2821\">\u2705 Emprendedores sin acceso a financiaci\u00f3n bancaria<br data-start=\"2646\" data-end=\"2649\" \/>\u2705 Aut\u00f3nomos, microempresas y startups<br data-start=\"2686\" data-end=\"2689\" \/>\u2705 Personas f\u00edsicas (sin aval) o jur\u00eddicas (requieren aval de socios)<br data-start=\"2757\" data-end=\"2760\" \/>\u2705 Residentes legales que pueden ejercer actividad econ\u00f3mica<\/p><h3 data-start=\"2828\" data-end=\"2865\">Requisitos oficiales actualizados<\/h3><p data-start=\"2867\" data-end=\"2932\">Seg\u00fan MicroBank:<\/p><ul data-start=\"2934\" data-end=\"3297\"><li data-start=\"2934\" data-end=\"2982\"><p data-start=\"2936\" data-end=\"2982\">Tener plan de empresa realista y personalizado<\/p><\/li><li data-start=\"2983\" data-end=\"3039\"><p data-start=\"2985\" data-end=\"3039\">Contar con informe de viabilidad emitido por mentorDay<\/p><\/li><li data-start=\"3040\" data-end=\"3104\"><p data-start=\"3042\" data-end=\"3104\">Demostrar capacidad futura de devoluci\u00f3n (aunque sea limitada)<\/p><\/li><li data-start=\"3105\" data-end=\"3202\"><p data-start=\"3107\" data-end=\"3202\">No pertenecer a sectores excluidos (CBD, juego, VTC, etc.)<\/p><\/li><li data-start=\"3203\" data-end=\"3253\"><p data-start=\"3205\" data-end=\"3253\">No tener deudas impagadas ni figurar como moroso<\/p><\/li><li data-start=\"3254\" data-end=\"3297\"><p data-start=\"3256\" data-end=\"3297\">No financiar m\u00e1s de un 40% del circulante<\/p><\/li><\/ul><h3 data-start=\"3304\" data-end=\"3336\">Documentaci\u00f3n imprescindible<\/h3><p data-start=\"3338\" data-end=\"3419\">\ud83d\udccb Lo que debes preparar antes de solicitar:<\/p><ol data-start=\"3421\" data-end=\"3795\"><li data-start=\"3421\" data-end=\"3511\"><p data-start=\"3424\" data-end=\"3511\">\u2705 Plan de empresa<\/p><\/li><li data-start=\"3512\" data-end=\"3560\"><p data-start=\"3515\" data-end=\"3560\">\u2705 Informe de viabilidad emitido por mentorDay<\/p><\/li><li data-start=\"3561\" data-end=\"3591\"><p data-start=\"3564\" data-end=\"3591\">\u2705 Curr\u00edculum o vida laboral<\/p><\/li><li data-start=\"3592\" data-end=\"3629\"><p data-start=\"3595\" data-end=\"3629\">\u2705 Presupuestos o facturas proforma<\/p><\/li><li data-start=\"3630\" data-end=\"3679\"><p data-start=\"3633\" data-end=\"3679\">\u2705 Contrato o precontrato del local (si aplica)<\/p><\/li><li data-start=\"3680\" data-end=\"3728\"><p data-start=\"3683\" data-end=\"3728\">\u2705 Justificante de fondos propios (si aportas)<\/p><\/li><li data-start=\"3729\" data-end=\"3795\"><p data-start=\"3732\" data-end=\"3795\">\u2705 Capitalizaci\u00f3n del paro o solicitud de subvenci\u00f3n (si aplica)<\/p><\/li><\/ol><h3 data-start=\"3802\" data-end=\"3847\">C\u00f3mo elaborar el plan de empresa perfecto<\/h3><p data-start=\"3849\" data-end=\"4048\">Usa la <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"3856\" data-end=\"3998\">plantilla oficial de MicroBank<\/a> o nuestra versi\u00f3n adaptada con apoyo de mentores.<\/p><p data-start=\"4050\" data-end=\"4080\">Incluye estos apartados clave:<\/p><ul data-start=\"4082\" data-end=\"4378\"><li data-start=\"4082\" data-end=\"4128\"><p data-start=\"4084\" data-end=\"4128\">Resumen ejecutivo y descripci\u00f3n del proyecto<\/p><\/li><li data-start=\"4129\" data-end=\"4188\"><p data-start=\"4131\" data-end=\"4188\">Plan de marketing (clientes, precios, competencia, canal)<\/p><\/li><li data-start=\"4189\" data-end=\"4233\"><p data-start=\"4191\" data-end=\"4233\">Organizaci\u00f3n (RRHH, proveedores, procesos)<\/p><\/li><li data-start=\"4234\" data-end=\"4308\"><p data-start=\"4236\" data-end=\"4308\">Plan financiero (inversiones, cuenta de resultados, punto de equilibrio)<\/p><\/li><li data-start=\"4309\" data-end=\"4337\"><p data-start=\"4311\" data-end=\"4337\">Modelo Canvas simplificado<\/p><\/li><li data-start=\"4338\" data-end=\"4378\"><p data-start=\"4340\" data-end=\"4378\">Evaluaci\u00f3n personal como emprendedor\/a<\/p><\/li><\/ul><h3 data-start=\"4495\" data-end=\"4542\">Paso a paso: c\u00f3mo solicitarlo correctamente<\/h3><p data-start=\"4544\" data-end=\"4586\">\ud83d\udccd Dos v\u00edas posibles: presencial o digital<\/p><p data-start=\"4588\" data-end=\"4617\"><strong data-start=\"4588\" data-end=\"4615\">Canal oficina CaixaBank<\/strong><\/p><ol data-start=\"4618\" data-end=\"4816\"><li data-start=\"4618\" data-end=\"4660\"><p data-start=\"4621\" data-end=\"4660\">Acudes a mentorDay y elaboras tu plan<\/p><\/li><li data-start=\"4661\" data-end=\"4695\"><p data-start=\"4664\" data-end=\"4695\">Recibes informe de viabilidad<\/p><\/li><li data-start=\"4696\" data-end=\"4731\"><p data-start=\"4699\" data-end=\"4731\">Presentas solicitud en oficina<\/p><\/li><li data-start=\"4732\" data-end=\"4758\"><p data-start=\"4735\" data-end=\"4758\">Entrevista con gestor<\/p><\/li><li data-start=\"4759\" data-end=\"4794\"><p data-start=\"4762\" data-end=\"4794\">Decisi\u00f3n del Comit\u00e9 de Riesgos<\/p><\/li><li data-start=\"4795\" data-end=\"4816\"><p data-start=\"4798\" data-end=\"4816\">Firma del contrato<\/p><\/li><\/ol><p data-start=\"4818\" data-end=\"4848\"><strong data-start=\"4818\" data-end=\"4846\">Canal digital (m\u00e1s \u00e1gil)<\/strong><\/p><ol data-start=\"4849\" data-end=\"5020\"><li data-start=\"4849\" data-end=\"4915\"><p data-start=\"4852\" data-end=\"4915\">Recibes URL privada de MicroBank tras validaci\u00f3n de mentorDay<\/p><\/li><li data-start=\"4916\" data-end=\"4947\"><p data-start=\"4919\" data-end=\"4947\">Presentas solicitud online<\/p><\/li><li data-start=\"4948\" data-end=\"4986\"><p data-start=\"4951\" data-end=\"4986\">Entrevista con gestores digitales<\/p><\/li><li data-start=\"4987\" data-end=\"5020\"><p data-start=\"4990\" data-end=\"5020\">Resoluci\u00f3n y firma electr\u00f3nica<\/p><\/li><\/ol><p data-start=\"5022\" data-end=\"5175\">\ud83d\udccc M\u00e1s info: <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"5035\" data-end=\"5175\">Formulario oficial MicroBank<\/a><\/p><h3 data-start=\"5182\" data-end=\"5219\">Errores que bloquean tu solicitud<\/h3><p data-start=\"5221\" data-end=\"5445\">\u26d4 Cofinanciaci\u00f3n no permitida<br data-start=\"5250\" data-end=\"5253\" \/>\u26d4 Alto nivel de endeudamiento<br data-start=\"5282\" data-end=\"5285\" \/>\u26d4 Proyecto no viable o mal argumentado<br data-start=\"5323\" data-end=\"5326\" \/>\u26d4 Sectores excluidos o uso no admitido<br data-start=\"5364\" data-end=\"5367\" \/>\u26d4 Ausencia de plan de negocio profesional<\/p><h3 data-start=\"5452\" data-end=\"5482\">C\u00f3mo mentorDay te acompa\u00f1a<\/h3><p data-start=\"5484\" data-end=\"5500\">\u2705 Te ayudamos a:<\/p><ul data-start=\"5502\" data-end=\"5695\"><li data-start=\"5502\" data-end=\"5552\"><p data-start=\"5504\" data-end=\"5552\">Crear tu plan de empresa con plantilla oficial<\/p><\/li><li data-start=\"5553\" data-end=\"5589\"><p data-start=\"5555\" data-end=\"5589\">Obtener el informe de viabilidad<\/p><\/li><li data-start=\"5590\" data-end=\"5624\"><p data-start=\"5592\" data-end=\"5624\">Preparar toda la documentaci\u00f3n<\/p><\/li><li data-start=\"5625\" data-end=\"5652\"><p data-start=\"5627\" data-end=\"5652\">Ensayar tu presentaci\u00f3n<\/p><\/li><li data-start=\"5653\" data-end=\"5695\"><p data-start=\"5655\" data-end=\"5695\">Acceder a inversores, subvenciones y m\u00e1s<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b98c81 elementor-widget elementor-widget-text-editor\" data-id=\"1b98c81\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 class=\"\" style=\"text-align: center;\" data-start=\"5416\" data-end=\"5455\"><strong>\ud83d\udc69\u200d\ud83d\udcbc Caso de \u00e9xito mentorDay<\/strong><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b6ec94 elementor-widget elementor-widget-text-editor\" data-id=\"1b6ec94\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5757\" data-end=\"5901\">Andrea ten\u00eda una idea de negocio sostenible pero ning\u00fan banco la financiaba. Se inscribi\u00f3 al <a href=\"https:\/\/mentorday.es\/programas\/modelo-mentorday\/\"><strong>programa de aceleraci\u00f3n de mentorDay.<\/strong><\/a> En 3 semanas:<\/p><ul data-start=\"5903\" data-end=\"6115\"><li data-start=\"5903\" data-end=\"5944\"><p data-start=\"5905\" data-end=\"5944\">Elabor\u00f3 su plan con ayuda de mentores<\/p><\/li><li data-start=\"5945\" data-end=\"5983\"><p data-start=\"5947\" data-end=\"5983\">Consigui\u00f3 su informe de viabilidad<\/p><\/li><li data-start=\"5984\" data-end=\"6029\"><p data-start=\"5986\" data-end=\"6029\">Present\u00f3 su solicitud digital a MicroBank<\/p><\/li><li data-start=\"6030\" data-end=\"6068\"><p data-start=\"6032\" data-end=\"6068\">Obtuvo un microcr\u00e9dito de 20.000\u202f\u20ac<\/p><\/li><li data-start=\"6069\" data-end=\"6115\"><p data-start=\"6071\" data-end=\"6115\">Hoy tiene su primera tienda online en marcha<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a384dc7 elementor-widget elementor-widget-text-editor\" data-id=\"a384dc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center;\"><strong>\u2753 FAQ (Preguntas frecuentes)<\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-5533d49 e-con-full e-flex e-con e-parent\" data-id=\"5533d49\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-293b873 elementor-widget elementor-widget-n-accordion\" data-id=\"293b873\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4320\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-4320\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPuedo pedir un microcr\u00e9dito si tengo deudas anteriores? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4320\" class=\"elementor-element elementor-element-3489491 e-con-full e-flex e-con e-child\" data-id=\"3489491\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9fa40b0 elementor-widget elementor-widget-text-editor\" data-id=\"9fa40b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Depende. Si est\u00e1s en ficheros de morosidad, ser\u00e1 motivo de denegaci\u00f3n.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4321\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4321\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 plazo de devoluci\u00f3n tienen? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4321\" class=\"elementor-element elementor-element-2210d51 e-con-full e-flex e-con e-child\" data-id=\"2210d51\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbcbe20 elementor-widget elementor-widget-text-editor\" data-id=\"bbcbe20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"6270\" data-end=\"6374\">Entre 3 y 7 a\u00f1os, con posibilidad de carencia inicial de 6 meses.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4322\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4322\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">    \u00bfQu\u00e9 entidades colaboran con MicroBank? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4322\" class=\"elementor-element elementor-element-d5c6509 e-con-full e-flex e-con e-child\" data-id=\"d5c6509\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c012fe elementor-widget elementor-widget-text-editor\" data-id=\"9c012fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Entre otras, mentorDay como entidad validada para emitir informe de viabilidad.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4323\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4323\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">    \u00bfPuedo usar el dinero para marketing o maquinaria? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4323\" class=\"elementor-element elementor-element-f95c516 e-flex e-con-boxed e-con e-child\" data-id=\"f95c516\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f01e3d elementor-widget elementor-widget-text-editor\" data-id=\"8f01e3d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>S\u00ed, pero no para comprar inmuebles ni cancelar deudas.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b54ab4e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b54ab4e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mentorday.es\/inscripcion\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83c\udfaf \u00bfQuieres acceder a microcr\u00e9ditos de hasta 30.000\u202f\u20ac para lanzar tu negocio, pero no sabes por d\u00f3nde empezar? \u00a1Inscr\u00edbete ahora gratuitamente!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30f4c20 elementor-widget elementor-widget-mentorforms\" data-id=\"30f4c20\" data-element_type=\"widget\" data-widget_type=\"mentorforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe aria-label=\"Quiz: Certificaciones para empresas\" src=\"https:\/\/forms.zohopublic.com\/jcaverodyrectoes\/form\/QuizMicrofinancieras1\/formperma\/5IVcVMDrwg3wKk7oEI9pNtqSSz4GuFjxxl4vay6E7X8\" width=\"99%\" height=\"500px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8340b30 elementor-widget elementor-widget-text-editor\" data-id=\"8340b30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: center;\"><span style=\"color: #e94c81;\"><strong>APLICA ESTE TIP EN TU PROYECTO<\/strong><\/span><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f4952d e-flex e-con-boxed e-con e-parent\" data-id=\"8f4952d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e88adf elementor-widget elementor-widget-text-editor\" data-id=\"6e88adf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"font-weight: 400;\">\ud83d\udcbb <\/span><strong><span style=\"color: #009988;\">PRACTICA<\/span><\/strong><span style=\"font-weight: 400;\"> con un experto en <\/span><strong><span style=\"color: #009988;\"><a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/revision-modelo-negocio-lean-canvas\/\" target=\"_blank\" rel=\"noopener\">el pr\u00f3ximo webinar pr\u00e1ctico.<\/a><\/span><\/strong><\/li><li><span style=\"font-weight: 400;\">\ud83d\udd0e <\/span><span style=\"font-weight: 400;\"><strong><span style=\"color: #009988;\">CONSULTA<\/span><\/strong> m\u00e1s TIPs relacionadas <\/span><span style=\"font-weight: 400;\">con este mismo <\/span><a href=\"https:\/\/mentorday.es\/wikitips\/category\/desarrollo-del-negocio-estrategia\/\" target=\"_blank\" rel=\"noopener\"><strong>tema.<\/strong><\/a><\/li><li><span style=\"font-weight: 400;\">\ud83d\udcd6 <strong><span style=\"color: #009988;\">AMPLIA<\/span><\/strong> tus conocimientos descargando<strong><a href=\"https:\/\/mentorday.es\/ebook-internacionalizacion\/\" target=\"_blank\" rel=\"noopener\"> este EBOOK<\/a> y <a href=\"https:\/\/mentorday.es\/ebook\/crea-modelo-negocio-valida-ajusta-mercado\/\" target=\"_blank\" rel=\"noopener\">este EBOOK.<\/a><\/strong><\/span><\/li><\/ul><h4 style=\"text-align: center;\"><span style=\"color: #e94c81;\"><b>PIENSA EN TI<\/b><\/span><\/h4><ul><li><span style=\"font-weight: 400;\">\u200d\ud83d\ude80 <span style=\"color: #009988;\"><strong>IMPULSA<\/strong><\/span> tu empresa en el pr\u00f3ximo<\/span> <strong><span style=\"color: #009988;\"><a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/modelo-mentor-day\/\" target=\"_blank\" rel=\"noopener\">programa de aceleraci\u00f3n<\/a>,<\/span> <span style=\"color: #009988;\">\u00a1<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/inscripcion\/\" target=\"_blank\" rel=\"noopener\">reserva tu plaza ya<\/a>!.<\/span><\/strong><\/li><li><span style=\"font-weight: 400;\">\ud83e\udd41 <span style=\"color: #009988;\"><strong>PRACTICA<\/strong><\/span> con tu proyecto en este webinar pr\u00e1ctico, <span style=\"color: #009988;\"><strong>\u00a1<\/strong><\/span><\/span><span style=\"color: #009988;\"><strong><a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/webinar\/\" target=\"_blank\" rel=\"noopener\">solicita tu plaza<\/a><\/strong><span style=\"font-weight: 400;\"><strong>!<\/strong>.<\/span><\/span><\/li><li><span style=\"font-weight: 400;\">\ud83c\udf10 <span style=\"color: #009988;\"><strong>CONTACTA<\/strong> <\/span>con otros emprendedores y empresas, <strong><span style=\"color: #009988;\">\u00a1<\/span><\/strong><\/span><strong><span style=\"color: #009988;\"><a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/networkingonline-para-emprendedores\/\" target=\"_blank\" rel=\"noopener\">inscr\u00edbete<\/a> y participa en el pr\u00f3ximo Networking!.<\/span><\/strong><\/li><\/ul><h4 style=\"text-align: center;\"><span style=\"color: #e94c81;\"><b>PIENSA EN AYUDAR A LOS DEM\u00c1S<\/b><\/span><\/h4><ul><li><span style=\"font-weight: 400;\">\ud83e\udd1d<span style=\"color: #009988;\"><strong>COLABORA<\/strong><\/span> como voluntario: <\/span><span style=\"color: #009988;\"><strong><a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/experto-especialista\/\" target=\"_blank\" rel=\"noopener\">experto<\/a>,<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/programa-de-formacion-para-mentores\/\" target=\"_blank\" rel=\"noopener\"> mentor<\/a>,<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/mentor-invierte\/\" target=\"_blank\" rel=\"noopener\"> inversor<\/a>,<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/entregar-premio\/\" target=\"_blank\" rel=\"noopener\"> premiando<\/a>,<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/conviertete-influencer-mentor-day\/\" target=\"_blank\" rel=\"noopener\"> difundiendo<\/a>,<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/innovacion-abierta-para-tu-empresa\/\" target=\"_blank\" rel=\"noopener\"> retando<\/a>,<a style=\"color: #009988;\" href=\"https:\/\/mentorday.es\/innovacion-abierta-para-tu-empresa\/\" target=\"_blank\" rel=\"noopener\"> innovando<\/a>,<a style=\"color: #009988;\" href=\"http:\/\/mentorday.es\/wikitips\/crea-tu-tip\/\" target=\"_blank\" rel=\"noopener\"> creando una TIP<\/a>\u2026<\/strong><\/span><\/li><li><span style=\"font-weight: 400;\">\ud83d\udcac<\/span> <span style=\"font-weight: 400;\"><span style=\"color: #009988;\"><strong>RECOMIENDA<\/strong><\/span> este programa para que llegue a m\u00e1s emprendedores<\/span><span style=\"font-weight: 400;\"> por Google.<\/span><\/li><li><strong>\ud83d\udc49 <a href=\"https:\/\/survey.zohopublic.com\/zs\/YECsd8\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #009988;\">\u00a1COMPARTE tu aprendizaje!.<\/span><\/a><\/strong><\/li><li style=\"text-align: left;\"><strong>\ud83d\udcf2 <span style=\"color: #009988;\">REENV\u00cdA<\/span><\/strong> esta TIP \ud83d\udc47<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-608a017 e-flex e-con-boxed e-con e-parent\" data-id=\"608a017\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Descubre c\u00f3mo los microcr\u00e9ditos pueden apoyar a emprendedores en sus proyectos.<\/p>\n","protected":false},"author":6,"featured_media":116671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1159,1190],"tags":[2798,2799,2003,1031,1959,2797],"class_list":["post-105896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiacion","category-financiacion-bancaria","tag-caixabank","tag-credito-accesible","tag-desarrollo-empresarial","tag-emprendedores","tag-financiacion","tag-microcreditos"],"_links":{"self":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/105896","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/comments?post=105896"}],"version-history":[{"count":2,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/105896\/revisions"}],"predecessor-version":[{"id":130540,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/105896\/revisions\/130540"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/media\/116671"}],"wp:attachment":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/media?parent=105896"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/categories?post=105896"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/tags?post=105896"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}