In recent years of global economic crisis, quarantines, covid, and wars, we have witnessed how the big banks have closed their doors to the granting of credit, loans, mortgages, and in general, any financial operation requested by both companies and individuals.
At first, the consequences of this attitude were devastating: a multitude of small and medium-sized companies, as well as the self-employed, were forced to close or cease their activity due to the impossibility of continuing because of the lack of liquidity.
In unfavourable times, ingenuity sharpens. And so, new financial alternatives began to emerge that were directly committed to entrepreneurship, innovation, new technologies and any project that represented an opportunity.
Concepts such as Startups, Crowdfunding Platforms, Crowdlending (P2P lending), Equity Crowdfunding (equity participation), Venture Capital Funds, Incubation and Project Acceleration Spaces, took over the market, establishing themselves as powerful competitors to banks.
Most of the initiatives financed with private equity are those companies or startups with clearly technological and innovative profiles at different stages of maturity, and which do not have any bank financing options.