{"id":25005,"date":"2026-05-18T17:58:30","date_gmt":"2026-05-18T22:58:30","guid":{"rendered":"https:\/\/puertointerior.guanajuato.gob.mx\/blog\/?p=25005"},"modified":"2026-05-18T17:58:40","modified_gmt":"2026-05-18T22:58:40","slug":"credito-clave-para-sumar-pymes-al-sector-automotriz","status":"publish","type":"post","link":"https:\/\/puertointerior.guanajuato.gob.mx\/blog\/2026\/05\/18\/credito-clave-para-sumar-pymes-al-sector-automotriz\/","title":{"rendered":"Cr\u00e9dito, clave para sumar Pymes al sector automotriz"},"content":{"rendered":"<h2 class=\"subTitle text-2xl mb-5\" style=\"text-align: justify\">Pagos de armadoras son a plazos largos, lo que pega a peque\u00f1os negocios, explican.<\/h2>\n<p style=\"text-align: justify\">Para integrarse en mayor medida a la proveedur\u00eda de la fabricaci\u00f3n de autos y autopartes, como plantea el Plan M\u00e9xico, las peque\u00f1as y medianas empresas (Pymes) requieren m\u00e1s financiamiento y un flujo de caja estable, opinan expertos.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">En agosto, la Secretar\u00eda de Econom\u00eda, la Corporaci\u00f3n Financiera Internacional (IFC) y la Industria Nacional de Autopartes (INA) firmaron un memorando de entendimiento para impulsar la integraci\u00f3n de Pymes mexicanas a la cadena automotriz, pero una de sus limitantes es que las armadoras o fabricantes de autopartes pagan los pedidos en plazos muy largos.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">Paulina Aguilar, cofundadora de Mundi, empresa de factoraje, dijo que una de las limitantes de las Pymes es que los plazos de pago, en general, van de 60 a 120 d\u00edas tras la entrega del producto.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">Mundi compra las facturas por cobrar de Pymes y les paga para que puedan hacer uso de ese capital para seguir creciendo.<\/p>\n<blockquote>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">\u201cLa Secretar\u00eda de Econom\u00eda, con el Plan M\u00e9xico, est\u00e1 tratando de impulsar a m\u00e1s empresas para formar parte de las cadenas de suministro tanto nacionales como internacionales y que puedan tener las certificaciones y el nivel de calidad que se requiere por parte de estas cadenas.<\/p>\n<\/blockquote>\n<blockquote>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">\u201cPero no es algo autom\u00e1tico ni f\u00e1cil, y requiere que la industria privada est\u00e9 de acuerdo. Por lo menos 20 empresas accedieron a esta consultor\u00eda y a capacitaci\u00f3n de Pymes, y 55 empresas ya fueron capacitadas. Creemos que hay mucho potencial, pero es un trabajo a largo plazo\u201d, expuso Aguilar.<\/p>\n<\/blockquote>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">Mundi trabaja con proveedores de todos los sectores, desde los que se dedican a fabricar metales, pl\u00e1sticos, reciclados, autopartes, transporte o remolque.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">La firma considera que los proveedores de componentes especializados para autos y camiones pesados enfrentan el reto de mantener operaciones, cumplir est\u00e1ndares internacionales y responder a la demanda en un entorno de alta incertidumbre comercial.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">La industria automotriz concentra m\u00e1s de 47% de las compras de elast\u00f3meros, termopl\u00e1sticos, caucho y caucho-pl\u00e1stico, los cuales se usan en sellos, mangueras, empaques, guardapolvos y sistemas de amortiguaci\u00f3n.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">Uno de estos proveedores que utiliza el factoraje de Mundi es Elastomer Solutions M\u00e9xico, especializada en dise\u00f1o y fabricaci\u00f3n de componentes de caucho y termopl\u00e1sticos para BMW, Audi, VW, Mercedes-Benz y Nissan.<\/p>\n<p class=\"sc__font-paragraph\" style=\"text-align: justify\">Aguilar agreg\u00f3 que cada vez hay m\u00e1s servicios financieros para las Pymes por las fintech o la banca tradicional. Sin embargo, las Pymes est\u00e1n acostumbradas a cierto nivel de informalidad o poco rigor en cuanto a la formaci\u00f3n.<\/p>\n<p style=\"text-align: justify\">Publicado originalmente por:\u00a0<a href=\"https:\/\/www.eluniversal.com.mx\/cartera\/credito-clave-para-sumar-pymes-al-sector-automotriz\/\">https:\/\/www.eluniversal.com.mx\/cartera\/credito-clave-para-sumar-pymes-al-sector-automotriz\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pagos de armadoras son a plazos largos, lo que pega a peque\u00f1os negocios, explican. Para integrarse en mayor medida a la proveedur\u00eda de la fabricaci\u00f3n de autos y autopartes, como plantea el Plan M\u00e9xico, las peque\u00f1as y medianas empresas (Pymes) requieren m\u00e1s financiamiento y un flujo de caja estable, opinan expertos. En agosto, la Secretar\u00eda [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":25006,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-25005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-development"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dito, clave para sumar Pymes al sector automotriz - Blog | GPI NEWS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/puertointerior.guanajuato.gob.mx\/blog\/2026\/05\/18\/credito-clave-para-sumar-pymes-al-sector-automotriz\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dito, clave para sumar Pymes al sector automotriz - Blog | GPI NEWS\" \/>\n<meta property=\"og:description\" content=\"Pagos de armadoras son a plazos largos, lo que pega a peque\u00f1os negocios, explican. Para integrarse en mayor medida a la proveedur\u00eda de la fabricaci\u00f3n de autos y autopartes, como plantea el Plan M\u00e9xico, las peque\u00f1as y medianas empresas (Pymes) requieren m\u00e1s financiamiento y un flujo de caja estable, opinan expertos. 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