{"id":48023,"date":"2019-12-11T10:19:51","date_gmt":"2019-12-11T10:19:51","guid":{"rendered":"https:\/\/mentorday.es\/wikitips\/crowdlending\/"},"modified":"2026-02-02T11:06:29","modified_gmt":"2026-02-02T11:06:29","slug":"crowdlending","status":"publish","type":"post","link":"https:\/\/mentorday.es\/wikitips\/crowdlending\/","title":{"rendered":"Crowdlending: Financiaci\u00f3n Colectiva para Emprendedores con Impacto"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"48023\" class=\"elementor elementor-48023\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a6a0bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a6a0bb\" 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-7bae4742\" data-id=\"7bae4742\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\n\n\n\t\t<div class=\"elementor-element elementor-element-04721b8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"04721b8\" 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<h2 data-start=\"151\" data-end=\"230\">\ud83d\udca1 \u00bfTe gustar\u00eda financiar tu empresa sin bancos ni inversores tradicionales?<\/h2><p data-start=\"232\" data-end=\"548\">El <strong data-start=\"235\" data-end=\"251\">crowdlending<\/strong> es la alternativa que cada vez m\u00e1s emprendedores eligen para obtener financiaci\u00f3n de forma r\u00e1pida, directa y sin depender de la banca. A trav\u00e9s de este modelo, <strong data-start=\"412\" data-end=\"482\">decenas o cientos de personas pueden prestarte peque\u00f1as cantidades<\/strong>, sumando el capital que necesitas a cambio de un inter\u00e9s pactado.<\/p><p data-start=\"550\" data-end=\"729\">En esta TIP descubrir\u00e1s <strong data-start=\"574\" data-end=\"607\">c\u00f3mo funciona el crowdlending<\/strong>, qu\u00e9 plataformas usar, c\u00f3mo presentar tu proyecto y qu\u00e9 errores evitar para no comprometer tu reputaci\u00f3n ni tus finanzas.<\/p><blockquote><p data-start=\"731\" data-end=\"900\">\ud83d\udccc <em data-start=\"734\" data-end=\"773\">\u201cGrano a grano, se llena el granero.\u201d<\/em> Conseguir financiaci\u00f3n puede ser m\u00e1s accesible si sabes conectar con muchas personas en lugar de depender de una sola entidad.<\/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-6f9ee16 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"6f9ee16\" 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__6f9ee16\" 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__6f9ee16\" 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__6f9ee16\" 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-2b03b47 elementor-widget elementor-widget-video\" data-id=\"2b03b47\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/vSpJ8pq_oFA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\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-5263b69f elementor-widget elementor-widget-text-editor\" data-id=\"5263b69f\" 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=\"222\" data-end=\"253\">\ud83e\udde0 \u00bfQu\u00e9 es el crowdlending?<\/h3><p data-start=\"255\" data-end=\"465\">El <strong data-start=\"258\" data-end=\"274\">crowdlending<\/strong>, tambi\u00e9n llamado pr\u00e9stamo colectivo, es una forma de crowdfunding donde varias personas prestan peque\u00f1as cantidades de dinero a particulares o empresas, esperando recibir intereses a cambio.<\/p><p data-start=\"467\" data-end=\"640\">Es una forma directa, digital y colaborativa de conseguir financiaci\u00f3n sin bancos. Las plataformas online hacen de puente entre quien necesita dinero y quien desea invertir.<\/p><h3 data-start=\"647\" data-end=\"685\">\u2699\ufe0f \u00bfC\u00f3mo funciona el crowdlending?<\/h3><p data-start=\"687\" data-end=\"722\">Aqu\u00ed tienes el proceso paso a paso:<\/p><ol data-start=\"724\" data-end=\"1173\"><li data-start=\"724\" data-end=\"823\"><p data-start=\"727\" data-end=\"823\"><strong data-start=\"727\" data-end=\"755\">Publicaci\u00f3n del proyecto<\/strong>: un emprendedor sube su propuesta a una plataforma de crowdlending.<\/p><\/li><li data-start=\"824\" data-end=\"909\"><p data-start=\"827\" data-end=\"909\"><strong data-start=\"827\" data-end=\"853\">Registro de inversores<\/strong>: los interesados se registran y analizan los proyectos.<\/p><\/li><li data-start=\"910\" data-end=\"1007\"><p data-start=\"913\" data-end=\"1007\"><strong data-start=\"913\" data-end=\"939\">Financiaci\u00f3n colectiva<\/strong>: los inversores aportan peque\u00f1as cantidades al pr\u00e9stamo solicitado.<\/p><\/li><li data-start=\"1008\" data-end=\"1086\"><p data-start=\"1011\" data-end=\"1086\"><strong data-start=\"1011\" data-end=\"1037\">Ejecuci\u00f3n del proyecto<\/strong>: el prestatario usa el dinero seg\u00fan lo previsto.<\/p><\/li><li data-start=\"1087\" data-end=\"1173\"><p data-start=\"1090\" data-end=\"1173\"><strong data-start=\"1090\" data-end=\"1118\">Devoluci\u00f3n con intereses<\/strong>: se devuelven los fondos con la rentabilidad acordada.<\/p><\/li><\/ol><h3 data-start=\"1180\" data-end=\"1208\">\ud83d\udcca Tipos de crowdlending<\/h3><p data-start=\"1210\" data-end=\"1249\">Existen principalmente dos modalidades:<\/p><ul data-start=\"1251\" data-end=\"1472\"><li data-start=\"1251\" data-end=\"1362\"><p data-start=\"1253\" data-end=\"1362\"><strong data-start=\"1253\" data-end=\"1275\">P2P (Peer-to-Peer)<\/strong>: pr\u00e9stamos entre particulares, sin garant\u00edas, pero clasificados seg\u00fan nivel de riesgo.<\/p><\/li><li data-start=\"1363\" data-end=\"1472\"><p data-start=\"1365\" data-end=\"1472\"><strong data-start=\"1365\" data-end=\"1391\">P2B (Peer-to-Business)<\/strong>: pr\u00e9stamos de personas a empresas. Requiere an\u00e1lisis m\u00e1s exhaustivo del negocio.<\/p><\/li><\/ul><h3 data-start=\"1479\" data-end=\"1513\">\ud83d\udca1 Beneficios del crowdlending<\/h3><h4 data-start=\"1515\" data-end=\"1539\">Para emprendedores:<\/h4><ul data-start=\"1540\" data-end=\"1671\"><li data-start=\"1540\" data-end=\"1584\"><p data-start=\"1542\" data-end=\"1584\">\u2705 Acceso r\u00e1pido a financiaci\u00f3n alternativa<\/p><\/li><li data-start=\"1585\" data-end=\"1636\"><p data-start=\"1587\" data-end=\"1636\">\u2705 Menores requisitos que los bancos tradicionales<\/p><\/li><li data-start=\"1637\" data-end=\"1671\"><p data-start=\"1639\" data-end=\"1671\">\u2705 Comunidad que respalda tu idea<\/p><\/li><\/ul><h4 data-start=\"1673\" data-end=\"1694\">Para inversores:<\/h4><ul data-start=\"1695\" data-end=\"1821\"><li data-start=\"1695\" data-end=\"1743\"><p data-start=\"1697\" data-end=\"1743\">\ud83d\udcb0 Rentabilidad superior a productos bancarios<\/p><\/li><li data-start=\"1744\" data-end=\"1775\"><p data-start=\"1746\" data-end=\"1775\">\ud83d\udcc9 Diversificaci\u00f3n del riesgo<\/p><\/li><li data-start=\"1776\" data-end=\"1821\"><p data-start=\"1778\" data-end=\"1821\">\ud83c\udf31 Inversi\u00f3n con impacto econ\u00f3mico y social<\/p><\/li><\/ul><h3 data-start=\"1828\" data-end=\"1875\">\ud83c\udf0d Ejemplos reales y plataformas destacadas<\/h3><p data-start=\"1877\" data-end=\"1938\">Estas plataformas han impulsado miles de proyectos con \u00e9xito:<\/p><ul data-start=\"1940\" data-end=\"2090\"><li data-start=\"1940\" data-end=\"2016\"><p data-start=\"1942\" data-end=\"2016\"><strong data-start=\"1942\" data-end=\"1961\">Internacionales<\/strong>: LendingClub (EE.UU.), Kiva (microcr\u00e9ditos solidarios)<\/p><\/li><li data-start=\"2017\" data-end=\"2090\"><p data-start=\"2019\" data-end=\"2090\"><strong data-start=\"2019\" data-end=\"2029\">Espa\u00f1a<\/strong>: Comunitae, Arboribus, L\u00e1nzanos, Goteo, CoopFunding, Verkami<\/p><\/li><\/ul><p data-start=\"2092\" data-end=\"2159\">Cada una tiene un enfoque diferente: cultural, social, empresarial\u2026<\/p><h3 data-start=\"2166\" data-end=\"2207\">\ud83e\udd16 C\u00f3mo usar la IA en el crowdlending<\/h3><p data-start=\"2209\" data-end=\"2278\">La inteligencia artificial puede ayudarte a optimizar procesos clave:<\/p><ul data-start=\"2280\" data-end=\"2558\"><li data-start=\"2280\" data-end=\"2361\"><p data-start=\"2282\" data-end=\"2361\"><strong data-start=\"2282\" data-end=\"2305\">An\u00e1lisis de riesgos<\/strong>: detecta prestatarios con mayor probabilidad de impago.<\/p><\/li><li data-start=\"2362\" data-end=\"2424\"><p data-start=\"2364\" data-end=\"2424\"><strong data-start=\"2364\" data-end=\"2382\">Automatizaci\u00f3n<\/strong>: procesa documentos y acelera decisiones.<\/p><\/li><li data-start=\"2425\" data-end=\"2486\"><p data-start=\"2427\" data-end=\"2486\"><strong data-start=\"2427\" data-end=\"2452\">Prevenci\u00f3n de fraudes<\/strong>: identifica patrones sospechosos.<\/p><\/li><li data-start=\"2487\" data-end=\"2558\"><p data-start=\"2489\" data-end=\"2558\"><strong data-start=\"2489\" data-end=\"2512\">Atenci\u00f3n al usuario<\/strong>: chatbots gu\u00edan a inversores y emprendedores.<\/p><\/li><\/ul><h3 data-start=\"2565\" data-end=\"2596\">\u26a0\ufe0f Errores comunes a evitar<\/h3><p data-start=\"2598\" data-end=\"2636\">Evita estas equivocaciones frecuentes:<\/p><ul data-start=\"2638\" data-end=\"2802\"><li data-start=\"2638\" data-end=\"2683\"><p data-start=\"2640\" data-end=\"2683\">\u274c No leer bien las condiciones del pr\u00e9stamo<\/p><\/li><li data-start=\"2684\" data-end=\"2720\"><p data-start=\"2686\" data-end=\"2720\">\u274c Apostar todo en un solo proyecto<\/p><\/li><li data-start=\"2721\" data-end=\"2756\"><p data-start=\"2723\" data-end=\"2756\">\u274c Elegir plataformas poco fiables<\/p><\/li><li data-start=\"2757\" data-end=\"2802\"><p data-start=\"2759\" data-end=\"2802\">\u274c No evaluar tu propia tolerancia al riesgo<\/p><\/li><\/ul><h3 data-start=\"2809\" data-end=\"2860\">\ud83d\udcac Preguntas para reflexionar antes de invertir<\/h3><p data-start=\"2862\" data-end=\"2902\">Hazte estas preguntas antes de lanzarte:<\/p><ul data-start=\"2904\" data-end=\"3091\"><li data-start=\"2904\" data-end=\"2960\"><p data-start=\"2906\" data-end=\"2960\">\u00bfPuedo permitirme perder esta inversi\u00f3n si algo falla?<\/p><\/li><li data-start=\"2961\" data-end=\"3003\"><p data-start=\"2963\" data-end=\"3003\">\u00bfEntiendo bien a qui\u00e9n presto mi dinero?<\/p><\/li><li data-start=\"3004\" data-end=\"3046\"><p data-start=\"3006\" data-end=\"3046\">\u00bfElijo plataformas con buena reputaci\u00f3n?<\/p><\/li><li data-start=\"3047\" data-end=\"3091\"><p data-start=\"3049\" data-end=\"3091\">\u00bfQu\u00e9 impacto quiero generar con mi dinero?<\/p><\/li><\/ul><h3 data-start=\"3098\" data-end=\"3157\">\ud83d\uddd3\ufe0f Planifica tu estrategia de crowdlending sin agobios<\/h3><p data-start=\"3159\" data-end=\"3203\">Sigue estos pasos para empezar con buen pie:<\/p><ul data-start=\"3205\" data-end=\"3431\"><li data-start=\"3205\" data-end=\"3237\"><p data-start=\"3207\" data-end=\"3237\">Empieza con importes peque\u00f1os.<\/p><\/li><li data-start=\"3238\" data-end=\"3275\"><p data-start=\"3240\" data-end=\"3275\">Diversifica entre varios proyectos.<\/p><\/li><li data-start=\"3276\" data-end=\"3327\"><p data-start=\"3278\" data-end=\"3327\">Investiga y compara plataformas antes de decidir.<\/p><\/li><li data-start=\"3328\" data-end=\"3367\"><p data-start=\"3330\" data-end=\"3367\">Revisa peri\u00f3dicamente tus resultados.<\/p><\/li><li data-start=\"3368\" data-end=\"3431\"><p data-start=\"3370\" data-end=\"3431\">Usa herramientas como hojas de c\u00e1lculo o apps de seguimiento.<\/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-bb79668 elementor-widget elementor-widget-text-editor\" data-id=\"bb79668\" 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-8c3ad75 elementor-widget elementor-widget-text-editor\" data-id=\"8c3ad75\" 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=\"3470\" data-end=\"3609\"><strong data-start=\"3470\" data-end=\"3478\">Juan<\/strong>, un emprendedor del sector tecnol\u00f3gico, buscaba financiar su app de movilidad sostenible, pero los bancos rechazaron su solicitud. Se inscribi\u00f3 al <a href=\"https:\/\/mentorday.es\/programas\/modelo-mentorday\/\"><strong>programa de aceleraci\u00f3n de mentorDay.<\/strong> <\/a>All\u00ed, con ayuda de mentores y talleres, descubri\u00f3 el crowdlending y dise\u00f1\u00f3 una campa\u00f1a s\u00f3lida. La public\u00f3 en una plataforma espa\u00f1ola y en solo 3 semanas reuni\u00f3 la financiaci\u00f3n. Gracias al respaldo de inversores comprometidos, lanz\u00f3 su app, devolvi\u00f3 el pr\u00e9stamo con intereses, \u00a1y hoy su empresa est\u00e1 en plena expansi\u00f3n! \ud83d\ude80<\/p>\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-66665a0 elementor-widget elementor-widget-text-editor\" data-id=\"66665a0\" 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<div class=\"elementor-element elementor-element-3a04b7b elementor-widget elementor-widget-n-accordion\" data-id=\"3a04b7b\" 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-6080\" 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-6080\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfEs legal el crowdlending? <\/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-6080\" class=\"elementor-element elementor-element-508472a e-con-full e-flex e-con e-child\" data-id=\"508472a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77178a3 elementor-widget elementor-widget-text-editor\" data-id=\"77178a3\" 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=\"6613\" data-end=\"6728\"><p>S\u00ed. El crowdlending es legal en muchos pa\u00edses, pero cada uno tiene su propia regulaci\u00f3n. En Espa\u00f1a, est\u00e1 supervisado por la CNMV y el Banco de Espa\u00f1a. Aseg\u00farate siempre de usar plataformas registradas y autorizadas.<\/p><\/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-6081\" 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-6081\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 rentabilidad puedo obtener como inversor? <\/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-6081\" class=\"elementor-element elementor-element-0b60e05 e-con-full e-flex e-con e-child\" data-id=\"0b60e05\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94146fd elementor-widget elementor-widget-text-editor\" data-id=\"94146fd\" 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=\"6613\" data-end=\"6728\"><p data-start=\"469\" data-end=\"719\">Var\u00eda seg\u00fan el proyecto y el nivel de riesgo. En general, la rentabilidad puede oscilar entre el 4% y el 12% anual. A mayor riesgo, mayor inter\u00e9s potencial&#8230; pero tambi\u00e9n posibilidad de impago.<\/p><\/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-6082\" 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-6082\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 riesgos tiene invertir en crowdlending? <\/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-6082\" class=\"elementor-element elementor-element-ef0db8e e-con-full e-flex e-con e-child\" data-id=\"ef0db8e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8277f2 elementor-widget elementor-widget-text-editor\" data-id=\"e8277f2\" 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=\"6613\" data-end=\"6728\"><p>El principal riesgo es que el prestatario no devuelva el pr\u00e9stamo. Por eso, es clave diversificar entre varios proyectos y confiar en plataformas con buenos sistemas de evaluaci\u00f3n.<\/p><\/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-6083\" 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-6083\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfCu\u00e1nto dinero necesito para empezar? <\/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-6083\" class=\"elementor-element elementor-element-56dd1ca e-flex e-con-boxed e-con e-child\" data-id=\"56dd1ca\" 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-1096695 elementor-widget elementor-widget-text-editor\" data-id=\"1096695\" 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=\"6613\" data-end=\"6728\"><p data-start=\"967\" data-end=\"1189\">Puedes empezar con cantidades peque\u00f1as. Algunas plataformas permiten inversiones desde 20 o 50 euros por proyecto. Ideal para comenzar sin comprometer tus finanzas personales.<\/p><\/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-c6f5e54 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c6f5e54\" 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\">\ud83d\udca5\u00bfQuieres aprender a financiar tu empresa con crowdlending, paso a paso y con mentores expertos que ya lo han conseguido? \u00a1Inscr\u00edbete gratis ahora y evita errores! <\/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-061e00e elementor-widget elementor-widget-text-editor\" data-id=\"061e00e\" 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>QUIZ<\/strong><\/h3>\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-ef44075 elementor-widget elementor-widget-html\" data-id=\"ef44075\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe aria-label='Quiz sobre Crowdlending.' frameborder=\"0\" style=\"height:500px;width:99%;border:none;\" src='https:\/\/forms.zohopublic.com\/jcaverodyrectoes\/form\/QuizsobreCrowdlending\/formperma\/Ei9brP8burXFlC5sM-onnCdtshvljSucUlQeNP7Lqoo'><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c90377 elementor-widget elementor-widget-text-editor\" data-id=\"1c90377\" 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 class=\"elementor-element elementor-element-3e56fda elementor-widget elementor-widget-text-editor\" data-id=\"3e56fda\" 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\/herramientas-para-acelerar-empresas\/webinar\/fuentes-de-financiacion\/\" 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\/financiacion-empresas\/\" 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 <a href=\"https:\/\/mentorday.es\/ebook\/conseguir-financiacion\/\" target=\"_blank\" rel=\"noopener\"><strong>este EBOOK.<\/strong><\/a><\/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\/kwCCTG\" 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<div class=\"elementor-element elementor-element-cb9104c elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--skin-gradient elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"cb9104c\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Descubre qu\u00e9 es el crowdlending y c\u00f3mo puedes financiar tu proyecto o invertir con impacto. Aprende a usar plataformas P2P, evitar errores comunes y aprovechar la inteligencia artificial para mejorar decisiones y maximizar tu rentabilidad.<\/p>\n","protected":false},"author":6,"featured_media":114156,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1159,1187,1170],"tags":[414,1020],"class_list":["post-48023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiacion","category-sostenibilidad","category-financiacion-publica","tag-financiacion-emprendedores","tag-financias"],"_links":{"self":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/48023","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=48023"}],"version-history":[{"count":2,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/48023\/revisions"}],"predecessor-version":[{"id":137495,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/48023\/revisions\/137495"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/media\/114156"}],"wp:attachment":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/media?parent=48023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/categories?post=48023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/tags?post=48023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}