{"id":73063,"date":"2026-05-18T18:10:00","date_gmt":"2026-05-18T18:10:00","guid":{"rendered":"https:\/\/thefundmentor.com\/94aa24db-5147-4205-a53d-04dd1d472b17\/"},"modified":"2026-05-18T18:10:31","modified_gmt":"2026-05-18T18:10:31","slug":"94aa24db-5147-4205-a53d-04dd1d472b17","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/fr\/94aa24db-5147-4205-a53d-04dd1d472b17\/","title":{"rendered":"Cr\u00e9dito Fogape Covid-19: Requisitos, Ventajas y Opiniones para pymes en Chile"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommand\u00e9 pour toi<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Fogape Covid-19<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Pr\u00e9stamo estatal respaldado con tasas bajas, plazos flexibles, acceso f\u00e1cil y respaldo del gobierno, ideal para micro, peque\u00f1as y medianas empresas.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/fr\/redirect\/?https:\/\/www.cmfchile.cl\/educa\/602\/w3-article-28860.html\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Postular ahora<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1s redirigido a otro site web<\/small>\n<\/div>\n<p>El cr\u00e9dito Fogape Covid-19 es una alternativa estatal que se dise\u00f1\u00f3 para apoyar a micro, peque\u00f1as y medianas empresas chilenas en tiempos de pandemia. Su respaldo es del Estado y las tasas son preferenciales. Desde su lanzamiento, miles de pymes han accedido a liquidez y mejores plazos en comparaci\u00f3n con otros pr\u00e9stamos del mercado tradicional, facilitando la continuidad de sus negocios.<\/p>\n<p>Este pr\u00e9stamo tiene tasas de inter\u00e9s considerablemente bajas, con plazos de devoluci\u00f3n ajustados a la realidad de cada empresa. Los requisitos principales dependen del tama\u00f1o del solicitante: las micro y peque\u00f1as empresas no deben tener mora bancaria mayor a 30 d\u00edas al 31\/10\/2019; las medianas y grandes, al 31\/03\/2020. Adem\u00e1s, cada banco realiza su evaluaci\u00f3n seg\u00fan sus pol\u00edticas.<\/p>\n<h2>C\u00f3mo postular paso a paso<\/h2>\n<p>1. Verifica que tu empresa cumpla con los requisitos de no registrar moras superiores a 30 d\u00edas en las fechas establecidas.<\/p>\n<p>2. Re\u00fane la documentaci\u00f3n financiera que tu banco pueda solicitar: balance, flujo de caja y antecedentes de ingresos.<\/p>\n<p>3. Ac\u00e9rcate a un banco participante y solicita la evaluaci\u00f3n para el cr\u00e9dito Fogape Covid-19. Ellos analizar\u00e1n tu perfil.<\/p>\n<p>4. Espera la aprobaci\u00f3n. Si cumples las condiciones, recibir\u00e1s la oferta con tasa, monto y plazo espec\u00edficos.<\/p>\n<p>5. Firma el contrato y accede a los fondos en tu cuenta bancaria, usando el dinero seg\u00fan las condiciones acordadas.<\/p>\n<h2>Ventajas del cr\u00e9dito Fogape Covid-19<\/h2>\n<p>Una de las grandes ventajas de este cr\u00e9dito es su respaldo estatal, lo que genera mucha mayor confianza y estabilidad para las pymes que lo obtienen.<\/p>\n<p>Adem\u00e1s, al ofrecer una tasa de inter\u00e9s baja y plazos flexibles, se vuelve m\u00e1s accesible para quienes buscan liquidez sin grandes costos adicionales.<\/p>\n<p>Las condiciones claras y definidas reducen la incertidumbre, facilitando la planificaci\u00f3n y la toma de decisiones empresariales.<\/p>\n<p>Otra ventaja significativa es que varios bancos participan en la iniciativa, generando competencia y opciones para los solicitantes.<\/p>\n<p>La tramitaci\u00f3n suele ser m\u00e1s \u00e1gil comparada con otros cr\u00e9ditos tradicionales, especialmente priorizando a pymes afectadas por la crisis.<\/p>\n<h2>Desventajas y puntos a considerar<\/h2>\n<p>El principal punto en contra es la restricci\u00f3n para empresas que presenten moras antiguas, quedando excluidas quienes est\u00e1n en Dicom por deudas previas.<\/p>\n<p>La evaluaci\u00f3n crediticia es realizada por cada banco, lo que puede generar distintos resultados y requisitos adicionales seg\u00fan la entidad escogida.<\/p>\n<p>No todas las empresas pueden acceder y las medianas o grandes deben cumplir condiciones incluso m\u00e1s estrictas en cuanto a historial financiero.<\/p>\n<p>El proceso, aunque m\u00e1s \u00e1gil, exige reunir documentaci\u00f3n y someterse a an\u00e1lisis bancario como cualquier otro cr\u00e9dito empresarial.<\/p>\n<p>El monto ofrecido puede ser menor al solicitado dependiendo de la capacidad de pago y situaci\u00f3n financiera de la empresa.<\/p>\n<h2>Veredicto final<\/h2>\n<p>Para pymes en Chile, el cr\u00e9dito Fogape Covid-19 se consolida como una opci\u00f3n relevante en \u00e9poca de crisis. Sus tasas competitivas y plazos flexibles lo hacen atractivo.<\/p>\n<p>Sin embargo, es fundamental que los postulantes revisen bien los requisitos y consideren la evaluaci\u00f3n diferenciada de cada banco antes de iniciar el tr\u00e1mite.<\/p>\n<p>Para quienes cumplen las condiciones, representa una soluci\u00f3n r\u00e1pida y respaldada para sostener operaciones y avanzar en la recuperaci\u00f3n financiera.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommand\u00e9 pour toi<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Fogape Covid-19<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Pr\u00e9stamo estatal respaldado con tasas bajas, plazos flexibles, acceso f\u00e1cil y respaldo del gobierno, ideal para micro, peque\u00f1as y medianas empresas.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/fr\/redirect\/?https:\/\/www.cmfchile.cl\/educa\/602\/w3-article-28860.html\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Postular ahora<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1s redirigido a otro site web<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Descubre c\u00f3mo postular al Cr\u00e9dito Fogape Covid-19 en Chile, descubre ventajas y desventajas para tu pyme, requisitos y el paso a paso de evaluaci\u00f3n y solicitud.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","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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