{"id":17001,"date":"2020-09-17T11:29:33","date_gmt":"2020-09-17T14:29:33","guid":{"rendered":"https:\/\/marketup.com\/?p=17001"},"modified":"2020-09-17T11:29:33","modified_gmt":"2020-09-17T14:29:33","slug":"fecomerciosp-indica-que-72-das-empresas-dependem-de-credito-para-a-retomada","status":"publish","type":"post","link":"https:\/\/marketup.com\/blog\/fecomerciosp-indica-que-72-das-empresas-dependem-de-credito-para-a-retomada\/","title":{"rendered":"Fecom\u00e9rcioSP indica que 72% das empresas dependem de cr\u00e9dito para a retomada"},"content":{"rendered":"<p style=\"text-align: center;\"><em>Apesar da necessidade de recursos, empreendedores afirmam precisar de condi\u00e7\u00f5es mais favor\u00e1veis para ter acesso a eles. Entre quem j\u00e1 solicitou, apenas 18% conseguiram cr\u00e9dito<\/em><\/p>\n<p>Cerca de 72% das empresas paulistas consideram a oferta de\u00a0<a href=\"https:\/\/marketup.com\/blog\/credito-para-pequenos-negocios-digitalizacao-do-setor-bancario-amplia-acesso\/\">cr\u00e9dito\u00a0<\/a>\u201cde extrema import\u00e2ncia\u201d para que consigam se recuperar naretomada das atividades. \u00c9 o que mostra um levantamento realizado pela Fecom\u00e9rcioSP com 319 empresas do estado.<\/p>\n<p>A pesquisa foi realizada com <a href=\"https:\/\/marketup.com\/blog\/como-abrir-um-mei-pela-internet-confira-passo-a-passo-para-ser-microempreendedor\/\">MEIs<\/a> e companhias de pequeno, m\u00e9dio e grande portes. Apenas 0,7% delas n\u00e3o veem nenhuma import\u00e2ncia na oferta de cr\u00e9dito para a pr\u00f3pria opera\u00e7\u00e3o, enquanto cerca de 27% consideram importante em alguma medida.<\/p>\n<p>42% dos neg\u00f3cios consultados buscaram cr\u00e9dito nos \u00faltimos tr\u00eas meses. Entre eles, 82% tiveram o pedido negado. Os principais motivos, quando conhecidos, foram a exig\u00eancia de\u00a0garantias\u00a0e a inadimpl\u00eancia pr\u00e9via. Entre as empresas que t\u00eam d\u00edvidas, as mais apontadas s\u00e3o as relativas a\u00a0<a href=\"https:\/\/marketup.com\/blog\/locavorismo-saiba-mais-sobre-essa-valorizacao-do-comercio-local\/\">fornecedores\u00a0<\/a>(36%), folha de pagamento (30%) e aluguel (24%).<\/p>\n<p>As linhas mais buscadas pelas empresas foram os\u00a0programas emergenciais\u00a0criados pelo governo e os empr\u00e9stimos voltados a <a href=\"https:\/\/marketup.com\/blog\/capital-de-giro-o-que-e\/\">capital de giro<\/a>. As op\u00e7\u00f5es tamb\u00e9m foram apontadas como as mais importantes para permitir a retomada dos neg\u00f3cios daqui para a frente.<\/p>\n<p>Para que tenham condi\u00e7\u00f5es de obter cr\u00e9dito, por\u00e9m, 53% das empresas dizem precisar de taxas de juros mais vantajosas. Outros pontos citados foram menos exig\u00eancias de garantias (35%), programas voltados para microempresas (28%) e maiores prazos de car\u00eancia (23%) ou de pagamento (16%).<\/p>\n<p>A pesquisa tamb\u00e9m perguntou se os empreendedores conhecem ou pesquisaram sobre linhas de cr\u00e9dito oferecidas por\u00a0fintechs. 21% afirmam ter pesquisado, mas n\u00e3o consideraram as op\u00e7\u00f5es vantajosas ou f\u00e1ceis de acessar. 25% disseram n\u00e3o considerar a alternativa interessante e 54% desconhecem as fintechs.<\/p>\n<p>As condi\u00e7\u00f5es consideradas ideais pela maior parte dos empreendedores ouvidos s\u00e3o taxas de at\u00e9 5% ao ano (88%) e mais de seis meses de car\u00eancia (60%). Segundo a Fecom\u00e9rcioSP, o levantamento evidencia o papel da oferta de cr\u00e9dito para a <a href=\"https:\/\/marketup.com\/blog\/retomada-do-varejo-pos-pandemia-do-novo-coronavirus\/\">retomada das empresas<\/a>.<\/p>\n<p>\u201cMais do que juros baixos e menores restri\u00e7\u00f5es, ser\u00e1 necess\u00e1rio garantir, assim como ocorreu com alguns programas de cr\u00e9dito emergenciais, condi\u00e7\u00f5es como essas e tamb\u00e9m mais prazo e boa car\u00eancia diante da fragilidade financeira e de receitas de muitas empresas, em especial para alguns setores mais afetados durante a pandemia\u201d, avalia a entidade.<\/p>\n<p>Fonte: Revista Pequenas Empresas Grandes Neg\u00f3cios<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apesar da necessidade de recursos, empreendedores afirmam precisar de condi\u00e7\u00f5es mais favor\u00e1veis para ter acesso a eles. Entre quem j\u00e1 solicitou, apenas 18% conseguiram cr\u00e9dito [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17002,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[4848,5],"tags":[4870,4938],"class_list":["post-17001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-covid","category-noticias","tag-linha-de-credito","tag-retomada-da-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fecom\u00e9rcioSP indica que 72% das empresas dependem de cr\u00e9dito para a retomada | MarketUP<\/title>\n<meta name=\"description\" content=\"Pesquisa indica que empresas de diferentes segmentos e tamanhos buscam ofertas de cr\u00e9dito para a situa\u00e7\u00e3o atual.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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