{"id":1400,"date":"2013-05-17T18:57:58","date_gmt":"2013-05-17T18:57:58","guid":{"rendered":"http:\/\/utel.mx\/blog\/?p=1400"},"modified":"2023-03-10T16:53:20","modified_gmt":"2023-03-10T16:53:20","slug":"como-hacer-un-plan-financiero","status":"publish","type":"post","link":"https:\/\/utel.mx\/blog\/rol-personal\/como-hacer-un-plan-financiero\/","title":{"rendered":"\u00bfC\u00f3mo hacer un plan financiero?"},"content":{"rendered":"<p style=\"text-align: left;\" align=\"center\">Hay ocasiones en que ser muy optimista o tener las mejores intenciones del mundo no es suficiente para las micro, peque\u00f1as y medianas empresas (MiPymes) que existen en nuestro pa\u00eds. Por esta raz\u00f3n es importante antes de desarrollar un proyecto, contar con asesor\u00eda financiera que lo encamine hacia el crecimiento y esta se obtiene mediante un plan financiero.<\/p>\n<p>El plan financiero es un an\u00e1lisis de los riesgos monetarios a los que se est\u00e1 expuesto en una MiPyme, consiste en plantear dos escenarios: uno optimista en el cual se crece y se obtienen ganancias y otro pesimista que contempla las perdidas posibles en caso de no generar los ingresos deseados, todo esto con la finalidad de conseguir un panorama general sobre la rentabilidad del negocio.<\/p>\n<p>Para hacer un plan financiero que proporcione una acertada\u00a0asesor\u00eda\u00a0respecto a la viabilidad econ\u00f3mica del proyecto,\u00a0 es necesario:<\/p>\n<div>\n<p>\u2022\u00a0Tener bien definido un presupuesto total, este debe hacer una aproximaci\u00f3n lo m\u00e1s acertada posible sobre el gasto inicial y el tiempo que se tardar\u00e1 en recuperarlo (plazos con los bancos).<\/p>\n<p>\u2022\u00a0Resultados a corto plazo que revisen la forma en la que est\u00e1 funcionando el negocio a pocos meses de su apertura.<\/p>\n<p>\u2022\u00a0Registrar los movimientos de efectivo que afecten las finanzas generales, esto con la finalidad de ver c\u00f3mo es posible usar el dinero en un periodo de tiempo.<\/p>\n<p>\u2022\u00a0Hacer un balance general en un determinado momento, para identificar el valor total de la empresa, cu\u00e1nto se posee y cu\u00e1nto se debe.<\/p>\n<\/div>\n<p>Crear un plan financiero es clave para apoyar el \u00e9xito de una empresa, este debe ser capaz de predecir si es o no viable el negocio, qu\u00e9 tipo de financiamiento se solicitar\u00e1 y cu\u00e1nto se requiere, adem\u00e1s interfiere en la decisi\u00f3n de saber qui\u00e9n proveer\u00e1 ese presupuesto y si se har\u00e1\u00a0 mediante un pr\u00e9stamo bancario u otro ingreso.<\/p>\n<p><b>\u00a0<\/b><\/p>\n<p><b>Adri\u00e1n M\u00e1rquez Duarte<br \/>\nUTEL Editorial<\/b><\/p>\n<div id=\"advads-3720324664\" class=\"advads-cta-lp-banner-form advads-entity-placement\"><a href=\"https:\/\/utel.mx\/blog\/admisiones-universidad-online\/?utm_source=blog&#038;utm_medium=CTAlink&#038;utm_campaign=MKTseo\" aria-label=\"Universidad en linea\"><img src=\"https:\/\/utel.mx\/blog\/wp-content\/uploads\/2025\/04\/universidad-en-linea-1.png\" alt=\"Universidad en linea\"  srcset=\"https:\/\/utel.mx\/blog\/wp-content\/uploads\/2025\/04\/universidad-en-linea-1.png 626w, https:\/\/utel.mx\/blog\/wp-content\/uploads\/2025\/04\/universidad-en-linea-1-420x168.png 420w\" sizes=\"(max-width: 626px) 100vw, 626px\" width=\"626\" height=\"250\"   \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p> [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":1401,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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