ALTERNATIVE FINANCING
PARA EMPRESAS

Non-bank financing emerged after the international crisis, which, together with the Covid-19 crisis, caused banks to restrict lending. This, together with the advance of technology and the Internet, and the need of SMEs for financing created the perfect environment to look for new and alternative ways of financing.

Alternative financing is a term used to describe a variety of financing options that are available to businesses and individuals.

The most common form of alternative financing is commercial lending. This is when a company borrows money from a bank or other financial institution to finance its operations. Another popular form of alternative financing is invoice factoring. This is when a company sells its invoices to a third party to get liquidity quickly.

Alternative financing can be a great option for businesses that need financing but do not want to deal with the bureaucracy and restrictions of traditional lending institutions. It can also be a great option for businesses that are having trouble getting approved for a loan.

If you are looking for financing options outside of the traditional banking system, you should consider alternative financing and in DEXTER we make it easy for you.

Although bank financing is still deeply rooted in our country, it is necessary that you, as entrepreneurs, take into account that there are other alternatives to make your project possible.

To prevent your project from remaining a mere idea after a 'no' from the banks. Alternative financing has a wide range of modalities and different financial products according to the needs of each small and medium-sized enterprise. Most of these procedures can be carried out online. This will provide greater convenience and speed throughout the process.

The resources to make your business idea possible come from private investors or public funds, in the case of grants.

In the case of retail investors, the private equity and the so-called business angels are two great alternatives for financing your project.

A private equity fund will always aim to multiply the value of your company, so the resources will be much more flexible, agile and beneficial to your company.

On the other hand, a business Angel is a private individual interested in investing in entrepreneurial business projects with great potential. They will provide you with extra value, their contacts and experience. This is a fundamental advantage to ensure the success of your project. This investor will be able to guide you and bring you closer to other entrepreneurs who will know your brand.

Actualmente, los métodos de financiación alternativos han aumentado considerablemente. Y es que, los préstamos bancarios a las pequeñas y medianas empresas cada vez son más restrictivos, caros, lentos y requieren más cláusulas e intereses mayores. Gracias a esto, los productos de financiación no bancaria están ganando un mayor protagonismo.

En vistas al futuro, la financiación alternativa en España tendrá en los próximos años un recorrido y amplitud mucho más alto que en otros países. Esto se debe a que aún estamos lejos del equilibrio entre financiación bancaria y alternativa que tienen otros países.

En 2008, en España. La financiación bancaria cubría aproximadamente el 80% de las necesidades financieras de las empresas, en cambio, en Estados Unidos, cubría poco más del 30%, mientras que, en Francia y Alemania, la cifra se sostenía en torno al 40-55%.

Actualmente, en nuestro país, los niveles de cobertura alternativa a empresas se encuentran en torno al 25% – 30%, aun así, parece que con el paso de los meses estos porcentajes se irán incrementando.

En España, el marco legal se ha reforzado a través de la regulación del crowdlending, la legislación para entidades de private equity y el impulso del Mercado Alternativo Bursátil.

Por otra parte, esta nueva industria ofrece un mercado financiero con una mayor posibilidad de expansión, más flexible y democrático. Estas claves, junto a la confianza, son vitales para aumentar la participación de los principales protagonistas: inversores y empresas.

En este aspecto, DEXTER ofrece la confianza de sus garantías. Dispone de más de 30 Fondos de Inversión y de Deuda, además de su alto volumen de colaboración con entidades financieras. DEXTER GLOBAL FINANCE cuenta en su base de datos con más de 1.500 clientes satisfechos, gracias a su rapidez, flexibilidad y atención al cliente durante todo el proceso.

La nueva generación de emprendedores, más digitales, como DEXTERwill be the key to driving the financial change that the Spanish economy needs.

In Spain, alternative real estate financing is the main type of financing considered by developers.

There are two types of alternative financing for real estate: equity and debt. Equity financing occurs when part ownership of a property is sold to a financial institution. Debt financing involves borrowing money to buy a property or carry out a development.

Both types of financing are available in Spain, but debt financing is more popular. This is because it is easier to obtain a loan than to find a buyer for your capital. Therefore, most people in Spain resort to debt financing for the real estate sector.

In Spain, alternative financing is the most widely used by companies. There are different options, each with its advantages and disadvantages.

A popular option is leasing. It allows companies to rent equipment or property instead of buying it outright. It can be a more affordable option, especially for smaller businesses.

Another option is invoice financing. This allows companies to receive payment for their invoices before their customers have actually paid them. It can be a useful way of restoring cash flow if the business is suffering a slowdown.

Then there is crowdfunding. It allows companies to raise money online from individual investors. It can be a good way to get started if you don't have access to traditional sources of funding.

And finally, many companies opt for mortgage loans. In contrast to bank financing, the applicant's financial situation does not matter, not even if he or she is on a list of defaulters. All that is needed is a mortgage guarantee. Moreover, this type of financing is designed for all types of companies, whatever their sector and the stage they are at.

The alternative finance market in Spain is booming. According to data from the Bank of Spain, in 2017 the total assets managed by alternative financing platforms amounted to €1.7 billion, 40 % more than in 2016.

Investors are increasingly turning to these types of investments, as they offer attractive returns and relatively low risk.

On the other hand, in the now famous Spain 2050 report, it is striking that one of its proposals is aimed at promoting alternative financing to bank financing.

Among these reforms and initiatives proposed in the Spain 2050 report, one that stands out is that of "promoting the development of alternative sources of business financing to banking, with a special focus on venture capital investment in strategic areas, which facilitates the development of projects, both in their initial phases and in those of growth and expansion. The objective would be to raise the share of such financing to EU-8 levels by 2050".