{"id":73347,"date":"2023-02-03T15:46:00","date_gmt":"2023-02-03T15:46:00","guid":{"rendered":"https:\/\/mentorday.es\/wikitips\/?p=73347"},"modified":"2026-01-22T15:23:54","modified_gmt":"2026-01-22T15:23:54","slug":"prestamo-participativo","status":"publish","type":"post","link":"https:\/\/mentorday.es\/wikitips\/prestamo-participativo\/","title":{"rendered":"Pr\u00e9stamo participativo para emprendedores: gu\u00eda paso a paso"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"73347\" class=\"elementor elementor-73347\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad05e41 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad05e41\" 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-daa8afd\" data-id=\"daa8afd\" 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-6f777e4 elementor-widget elementor-widget-text-editor\" data-id=\"6f777e4\" 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=\"121\" data-end=\"216\">\ud83d\udca1 \u00bfQuieres financiar tu startup sin perder el control y sin buscar socios demasiado pronto?<\/h2><p data-start=\"218\" data-end=\"458\">El <strong>pr\u00e9stamo participativo,<\/strong> y existen formas de financiaci\u00f3n h\u00edbridas como los pr\u00e9stamos <strong data-start=\"267\" data-end=\"310\">convertibles<\/strong>, que combinan lo mejor del capital y la deuda. Son ideales para emprendedores que quieren <strong data-start=\"401\" data-end=\"457\">acelerar su crecimiento sin diluirse desde el inicio<\/strong>.<\/p><p data-start=\"460\" data-end=\"669\">En esta TIP descubrir\u00e1s <strong data-start=\"484\" data-end=\"531\">cu\u00e1ndo conviene usar este tipo de pr\u00e9stamos<\/strong>, qu\u00e9 condiciones debes negociar, c\u00f3mo evitar errores comunes y c\u00f3mo presentarlo ante entidades como ENISA, SODECAN o inversores privados.<\/p><blockquote><p data-start=\"671\" data-end=\"803\">\ud83d\udccc <em data-start=\"674\" data-end=\"720\">\u201cM\u00e1s vale un buen acuerdo que un mal socio.\u201d<\/em> Elige bien tu financiaci\u00f3n y mant\u00e9n el rumbo sin ceder tu empresa antes de tiempo.<\/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-2266c80 elementor-widget elementor-widget-video\" data-id=\"2266c80\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=_XV9iK2Ruwc&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-9694f36 elementor-widget elementor-widget-text-editor\" data-id=\"9694f36\" 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=\"2059\" data-end=\"2124\">\ud83d\udccc \u00bfQu\u00e9 es un pr\u00e9stamo participativo y por qu\u00e9 es importante?<\/h3><p data-start=\"2126\" data-end=\"2400\">Es una forma h\u00edbrida de financiaci\u00f3n donde el prestamista cobra intereses y tambi\u00e9n participa en los beneficios de tu empresa. No exige garant\u00edas, mejora tus fondos propios contables y es considerada una de las formas m\u00e1s flexibles de financiar startups en etapas tempranas.<\/p><h3 data-start=\"2402\" data-end=\"2463\">\ud83d\udd04 Diferencias entre pr\u00e9stamo participativo y convertible<\/h3><div class=\"_tableContainer_80l1q_1\"><div class=\"_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2465\" data-end=\"2767\"><thead data-start=\"2465\" data-end=\"2538\"><tr data-start=\"2465\" data-end=\"2538\"><th data-start=\"2465\" data-end=\"2480\" data-col-size=\"sm\">Tipo<\/th><th data-start=\"2480\" data-end=\"2506\" data-col-size=\"sm\">Participa en beneficios<\/th><th data-start=\"2506\" data-end=\"2538\" data-col-size=\"sm\">\u00bfPuede convertirse en socio?<\/th><\/tr><\/thead><tbody data-start=\"2615\" data-end=\"2767\"><tr data-start=\"2615\" data-end=\"2690\"><td data-start=\"2615\" data-end=\"2630\" data-col-size=\"sm\">Participativo<\/td><td data-col-size=\"sm\" data-start=\"2630\" data-end=\"2657\">S\u00ed<\/td><td data-col-size=\"sm\" data-start=\"2657\" data-end=\"2690\">No necesariamente<\/td><\/tr><tr data-start=\"2691\" data-end=\"2767\"><td data-start=\"2691\" data-end=\"2706\" data-col-size=\"sm\">Convertible<\/td><td data-col-size=\"sm\" data-start=\"2706\" data-end=\"2733\">Opcional<\/td><td data-col-size=\"sm\" data-start=\"2733\" data-end=\"2767\">S\u00ed, si se convierte en acciones<\/td><\/tr><\/tbody><\/table><div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\"><div class=\"absolute end-0 flex items-end\">\u00a0<\/div><\/div><\/div><\/div><p data-start=\"2769\" data-end=\"2839\">\ud83d\udca1 Muchas veces se combinan ambos: pr\u00e9stamo participativo convertible.<\/p><h3 data-start=\"2846\" data-end=\"2886\">\ud83e\udded Tipos de pr\u00e9stamos participativos<\/h3><ol><li data-start=\"2891\" data-end=\"2970\"><strong data-start=\"2891\" data-end=\"2916\">Participativo cl\u00e1sico<\/strong>: inter\u00e9s fijo + inter\u00e9s variable ligado a resultados.<\/li><li data-start=\"2974\" data-end=\"3035\"><strong data-start=\"2974\" data-end=\"2989\">Convertible<\/strong>: puede transformarse en acciones si se pacta.<\/li><li data-start=\"3039\" data-end=\"3091\"><strong data-start=\"3039\" data-end=\"3048\">Mixto<\/strong>: participativo con cl\u00e1usula de conversi\u00f3n.<\/li><\/ol><h3 data-start=\"3098\" data-end=\"3112\">\u2705 Ventajas<\/h3><ul><li data-start=\"3116\" data-end=\"3143\">No cedes capital al inicio.<\/li><li data-start=\"3146\" data-end=\"3182\">Mejora los fondos propios contables.<\/li><li data-start=\"3185\" data-end=\"3226\">Tiene periodos de carencia y es flexible.<\/li><li data-start=\"3229\" data-end=\"3271\">Es deducible en el Impuesto de Sociedades.<\/li><\/ul><h3 data-start=\"3273\" data-end=\"3290\">\u274c Desventajas<\/h3><ul><li data-start=\"3294\" data-end=\"3339\">Intereses m\u00e1s altos que un pr\u00e9stamo bancario.<\/li><li data-start=\"3342\" data-end=\"3385\">Penalizaciones si cancelas anticipadamente.<\/li><li data-start=\"3388\" data-end=\"3458\">En caso de quiebra, el prestamista cobra despu\u00e9s que otros acreedores.<\/li><\/ul><h3 data-start=\"3465\" data-end=\"3503\">\ud83d\udcdd C\u00f3mo documentarlo correctamente<\/h3><p data-start=\"3505\" data-end=\"3542\">Debes firmar un contrato que incluya:<\/p><ul><li data-start=\"3546\" data-end=\"3595\">Tipo de intereses (fijo y variable) y su c\u00e1lculo.<\/li><li data-start=\"3598\" data-end=\"3629\">Plazos y forma de amortizaci\u00f3n.<\/li><li data-start=\"3632\" data-end=\"3667\">Cl\u00e1usula de conversi\u00f3n (si aplica).<\/li><li data-start=\"3670\" data-end=\"3694\">Posibles penalizaciones.<\/li><li data-start=\"3697\" data-end=\"3737\">Derechos y limitaciones del prestamista.<\/li><\/ul><p data-start=\"3739\" data-end=\"3786\">\ud83d\udccc Usa un modelo validado por un experto legal.<\/p><h3 data-start=\"3793\" data-end=\"3824\">\u26a0\ufe0f Errores comunes a evitar<\/h3><ul><li data-start=\"3828\" data-end=\"3877\">No pactar bien la conversi\u00f3n si es convertible.<\/li><li data-start=\"3880\" data-end=\"3934\">No registrar correctamente la ampliaci\u00f3n de capital.<\/li><li data-start=\"3937\" data-end=\"3991\">No prever penalizaciones por cancelaci\u00f3n anticipada.<\/li><li data-start=\"3994\" data-end=\"4039\">Asumir que es igual a un pr\u00e9stamo bancario.<\/li><\/ul><h3 data-start=\"4046\" data-end=\"4079\">\ud83d\udcac Reflexiona antes de actuar<\/h3><ul><li data-start=\"4083\" data-end=\"4136\">\u00bfEst\u00e1s dispuesto a compartir parte de tus beneficios?<\/li><li data-start=\"4139\" data-end=\"4195\">\u00bfTienes claro si te interesa convertir deuda en capital?<\/li><li data-start=\"4198\" data-end=\"4257\">\u00bfTu plan financiero justifica esta f\u00f3rmula de financiaci\u00f3n?<\/li><\/ul><h3 data-start=\"4264\" data-end=\"4306\">\ud83d\uddd3\ufe0f Planifica tu ejecuci\u00f3n sin agobios<\/h3><ol><li data-start=\"4311\" data-end=\"4377\">Eval\u00faa si cumples con requisitos de ENISA u organismo equivalente.<\/li><li data-start=\"4381\" data-end=\"4439\">Define el importe, plazos y condiciones que puedes asumir.<\/li><li data-start=\"4443\" data-end=\"4482\">Redacta el contrato con asesor\u00eda legal.<\/li><li data-start=\"4486\" data-end=\"4546\">Incluye ampliaci\u00f3n de capital en la Junta si es convertible.<\/li><li data-start=\"4550\" data-end=\"4613\">Registra los acuerdos correctamente y comun\u00edcalos a los socios.<\/li><\/ol><h3 data-start=\"4620\" data-end=\"4675\">\ud83e\udd16 C\u00f3mo usar la inteligencia artificial en esta TIP<\/h3><ul><li data-start=\"4679\" data-end=\"4760\">Usa la IA para redactar borradores de contrato con cl\u00e1usulas personalizadas.<\/li><li data-start=\"4763\" data-end=\"4826\">Simula escenarios financieros con intereses fijos\/variables.<\/li><li data-start=\"4829\" data-end=\"4900\">Genera mensajes para explicar a socios las condiciones del pr\u00e9stamo.<\/li><\/ul><h3 data-start=\"4907\" data-end=\"4934\">\ud83e\uddfe Mini casos pr\u00e1cticos<\/h3><ul data-start=\"4936\" data-end=\"5157\"><li data-start=\"4936\" data-end=\"5157\"><p data-start=\"4938\" data-end=\"5157\">Una startup canaria obtiene un pr\u00e9stamo participativo ENISA de 60.000 \u20ac y pacta intereses variables ligados a EBITDA. A los 3 a\u00f1os, decide convertirlo parcialmente en capital, sumando al inversor como socio estrat\u00e9gico.<\/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-0950777 elementor-widget elementor-widget-text-editor\" data-id=\"0950777\" 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-7f1d8be elementor-widget elementor-widget-text-editor\" data-id=\"7f1d8be\" 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=\"5190\" data-end=\"5641\">Luc\u00eda fund\u00f3 una startup de software educativo. Buscando financiaci\u00f3n sin diluirse desde el principio, aplic\u00f3 a ENISA con la ayuda del<a href=\"https:\/\/mentorday.es\/programas\/modelo-mentorday\/\"><strong> programa de aceleraci\u00f3n de mentorDay.<\/strong><\/a> Durante los talleres semanales, aprendi\u00f3 a preparar su plan financiero, negociar condiciones y redactar el contrato con apoyo de expertos. En la semana 3, con la gu\u00eda de su mentor, consigui\u00f3 firmar el pr\u00e9stamo y planific\u00f3 la conversi\u00f3n parcial para una futura ronda de inversi\u00f3n. Gracias a la financiaci\u00f3n participativa, Luc\u00eda logr\u00f3 escalar su equipo sin ceder poder de decisi\u00f3n prematuramente.<\/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-7658e9c elementor-widget elementor-widget-text-editor\" data-id=\"7658e9c\" 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 style=\"text-align: center;\"><strong>\u2753 FAQ (Preguntas frecuentes)<\/strong><\/h2>\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-01968cc elementor-widget elementor-widget-n-accordion\" data-id=\"01968cc\" 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-1660\" 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-1660\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfUn pr\u00e9stamo participativo me obliga a ceder acciones? <\/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-1660\" class=\"elementor-element elementor-element-3fa8ee5 e-con-full e-flex e-con e-child\" data-id=\"3fa8ee5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-446ffcf elementor-widget elementor-widget-text-editor\" data-id=\"446ffcf\" 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>No. El pr\u00e9stamo participativo no te obliga a ceder acciones ni participaci\u00f3n en la empresa, salvo que tenga cl\u00e1usula de conversi\u00f3n voluntaria. Por eso es ideal si quieres mantener el control.<\/p>\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-1661\" 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-1661\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 pasa si devuelvo el pr\u00e9stamo antes de tiempo? <\/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-1661\" class=\"elementor-element elementor-element-c894eb6 e-con-full e-flex e-con e-child\" data-id=\"c894eb6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1e3be9 elementor-widget elementor-widget-text-editor\" data-id=\"c1e3be9\" 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>Puedes enfrentarte a penalizaciones si as\u00ed est\u00e1 previsto en el contrato. Es clave revisar las condiciones de amortizaci\u00f3n anticipada antes de firmar.<\/p>\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-1662\" 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-1662\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPuedo combinar pr\u00e9stamo participativo con inversi\u00f3n privada? <\/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-1662\" class=\"elementor-element elementor-element-0f3d500 e-con-full e-flex e-con e-child\" data-id=\"0f3d500\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68fb334 elementor-widget elementor-widget-text-editor\" data-id=\"68fb334\" 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>S\u00ed. De hecho, muchas startups combinan pr\u00e9stamos participativos (ENISA, CDTI\u2026) con inversi\u00f3n privada para reforzar su estructura de capital sin diluirse demasiado al inicio.<\/p>\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-1663\" 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-1663\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQui\u00e9n suele conceder este tipo de pr\u00e9stamos? <\/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-1663\" class=\"elementor-element elementor-element-d001636 e-flex e-con-boxed e-con e-child\" data-id=\"d001636\" 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-531df3d elementor-widget elementor-widget-text-editor\" data-id=\"531df3d\" 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>Entidades p\u00fablicas (ENISA, SODECAN\u2026) o inversores privados especializados.<\/p>\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\t<details id=\"e-n-accordion-item-1664\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1664\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfC\u00f3mo lo registro contablemente? <\/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-1664\" class=\"elementor-element elementor-element-10ad198 e-flex e-con-boxed e-con e-child\" data-id=\"10ad198\" 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-ab504ae elementor-widget elementor-widget-text-editor\" data-id=\"ab504ae\" 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>Se contabiliza como patrimonio neto, no como deuda financiera, siempre que cumpla ciertos requisitos. Esto mejora tu solvencia a efectos contables y bancarios.<\/p>\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-8c14567 elementor-widget elementor-widget-text-editor\" data-id=\"8c14567\" 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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e759ca3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e759ca3\" 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-fe03f4d\" data-id=\"fe03f4d\" 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-094111b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"094111b\" 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 saber c\u00f3mo aprovechar un pr\u00e9stamo participativo para financiar tu startup sin ceder capital? Aprende paso a paso con ayuda de expertos. \u00a1Inscr\u00edbete gratis ahora!<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a4dfdc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a4dfdc\" 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-805aa0d\" data-id=\"805aa0d\" 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-940b329 elementor-widget elementor-widget-text-editor\" data-id=\"940b329\" 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 style=\"text-align: center;\"><strong>QUIZ<\/strong><\/h2>\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-a50df36 elementor-widget elementor-widget-mentorforms\" data-id=\"a50df36\" 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=\"Pr\u00e9stamo participativo\" src=\"https:\/\/forms.zohopublic.com\/jcaverodyrectoes\/form\/PrstamoParticipativo\/formperma\/Fdlq5NO_ga4BnbddeGYQq0ix4dEnWsrGIlv4eITB9f4\" width=\"99%\" height=\"700px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\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 c\u00f3mo funciona el pr\u00e9stamo participativo, cu\u00e1ndo usarlo y c\u00f3mo financiar tu empresa sin diluir capital en etapas iniciales.<\/p>\n","protected":false},"author":6,"featured_media":136580,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1170,1159,1171],"tags":[],"class_list":["post-73347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiacion-publica","category-financiacion","category-financiacion-privada"],"_links":{"self":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/73347","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=73347"}],"version-history":[{"count":5,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/73347\/revisions"}],"predecessor-version":[{"id":136594,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/posts\/73347\/revisions\/136594"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/media\/136580"}],"wp:attachment":[{"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/media?parent=73347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/categories?post=73347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mentorday.es\/wikitips\/wp-json\/wp\/v2\/tags?post=73347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}