{"id":20173,"date":"2026-02-06T19:10:00","date_gmt":"2026-02-06T19:10:00","guid":{"rendered":"https:\/\/thefundmentor.com\/16de0b63-b69e-4b2e-97a6-6b3e8062fd3c\/"},"modified":"2026-02-06T19:10:23","modified_gmt":"2026-02-06T19:10:23","slug":"16de0b63-b69e-4b2e-97a6-6b3e8062fd3c","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/it\/16de0b63-b69e-4b2e-97a6-6b3e8062fd3c\/","title":{"rendered":"Cr\u00e9dito Fogape Covid 19: Condiciones, Pasos y Lo Bueno y Malo explicado"},"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;\">Recomendado para ti<\/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;\">Cr\u00e9dito especial para micro, peque\u00f1as y medianas empresas en Chile con requisitos accesibles. Plazo y tasa preferencial. Respaldo estatal. Oportunidad de financiamiento seguro.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/it\/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;\">Sarai reindirizzato a un altro sito web<\/small>\n<\/div>\n<p>El cr\u00e9dito Fogape Covid 19 es una alternativa para micro y peque\u00f1as empresas que buscan liquidez. Ofrece tasa preferencial y plazos competitivos, siendo respaldado por el Estado chileno. Es una oportunidad especialmente pensada para quienes han sido afectados financieramente por la pandemia.<\/p>\n<p>Se exige no tener mora superior a 30 d\u00edas al 31 de octubre de 2019 para peque\u00f1as empresas y al 31 de marzo de 2020 para empresas medianas. Las instituciones bancarias tienen la \u00faltima palabra tras evaluar cada caso bas\u00e1ndose en sus pol\u00edticas internas.<\/p>\n<p>El monto y condiciones pueden variar seg\u00fan el perfil de riesgo y el an\u00e1lisis del banco, pero la principal ventaja radica en la flexibilizaci\u00f3n por necesidad, lo que facilita el acceso para cientos de empresas.<\/p>\n<h2>Paso a paso para postular<\/h2>\n<p>1. Verifica que tu empresa no tenga mora superior a los 30 d\u00edas seg\u00fan las fechas establecidas.\n<\/p>\n<p>2. Ac\u00e9rcate a tu banco habitual y consulta por el cr\u00e9dito Fogape Covid 19.\n<\/p>\n<p>3. Entrega antecedentes financieros y documentaci\u00f3n respaldatoria de tu empresa.\n<\/p>\n<p>4. El banco evaluar\u00e1 tu solicitud conforme a sus pol\u00edticas de riesgo.\n<\/p>\n<p>5. Si eres aprobado, podr\u00e1s acceder al financiamiento con respaldo estatal.\n<\/p>\n<h2>Lo bueno del Cr\u00e9dito Fogape Covid 19<\/h2>\n<p>Este producto destaca por tener tasas m\u00e1s bajas respecto a financiamientos tradicionales. Es especialmente accesible para empresas golpeadas por la contingencia sanitaria.<\/p>\n<p>El respaldo estatal es un gran punto a favor, pues minimiza el riesgo para el solicitante y genera mayor confianza ante eventuales dificultades econ\u00f3micas.<\/p>\n<h2>Lo malo del Cr\u00e9dito Fogape Covid 19<\/h2>\n<p>La principal desventaja es que quedar fuera del sistema por deudas anteriores limita el acceso, incluso con urgencia financiera.<\/p>\n<p>Otro punto negativo es la necesidad de estar sujeto a la evaluaci\u00f3n crediticia interna de cada banco. Esto puede demorar el proceso y restringir la aprobaci\u00f3n para algunos negocios.<\/p>\n<h2>Veredicto finale<\/h2>\n<p>Fogape Covid 19 es una excelente alternativa para empresas afectadas por la pandemia. Si cumples condiciones, puedes obtener liquidez a bajo costo y con confianza.<\/p>\n<p>No obstante, si tienes historiales negativos recientes o problemas documentales es probable que no consigas la aprobaci\u00f3n. Considera todos los requisitos y no te desanimes si necesitas fortalecer tu perfil.<\/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;\">Recomendado para ti<\/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;\">Cr\u00e9dito especial para micro, peque\u00f1as y medianas empresas en Chile con requisitos accesibles. Plazo y tasa preferencial. Respaldo estatal. Oportunidad de financiamiento seguro.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/it\/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;\">Sarai reindirizzato a un altro sito web<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Descubre c\u00f3mo postular al Cr\u00e9dito Fogape Covid 19: beneficios, requisitos, ventajas y desventajas para empresas necesitadas de financiamiento r\u00e1pido y con respaldo en Chile. \u00a1Revisa nuestro an\u00e1lisis!<\/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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - 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