{"id":22470,"date":"2026-02-10T20:38:00","date_gmt":"2026-02-10T20:38:00","guid":{"rendered":"https:\/\/thefundmentor.com\/29f9515f-820c-4ed8-a830-42ae2f311178\/"},"modified":"2026-02-10T20:39:05","modified_gmt":"2026-02-10T20:39:05","slug":"29f9515f-820c-4ed8-a830-42ae2f311178","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/pt_br\/29f9515f-820c-4ed8-a830-42ae2f311178\/","title":{"rendered":"Cr\u00e9dito Fogape Covid-19: principales requisitos y ventajas 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;\">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 pymes y empresas afectadas por Covid-19, con tasas preferenciales, plazos flexibles y respaldo estatal. Dirigido a quienes cumplan requisitos espec\u00edficos.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/pt_br\/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;\">Solicitar agora<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1 redirecionado para outro site<\/small>\n<\/div>\n<p>Fogape Covid-19 es una alternativa de acceso a financiamiento para pymes y empresas que requieren apoyo en situaciones complejas. Su principal fortaleza reside en las tasas de inter\u00e9s preferenciales y el respaldo estatal, haciendo el cr\u00e9dito m\u00e1s accesible. Vigente en Chile, este cr\u00e9dito busca que las empresas puedan mantener liquidez y enfrentar dif\u00edciles escenarios econ\u00f3micos logrando cumplir sus compromisos.<\/p>\n<p><strong>Paso a paso para postular al Cr\u00e9dito Fogape Covid-19<\/strong><\/p>\n<ol>\n<li>Verificar que la empresa no tenga mora bancaria mayor a 30 d\u00edas al 31 de octubre de 2019 (pymes) o 31 de marzo de 2020 (empresas grandes).<\/li>\n<li>Presentar antecedentes financieros y comerciales actualizados ante el banco o instituci\u00f3n financiera.<\/li>\n<li>Completar y enviar la solicitud seg\u00fan el formulario del banco participante.<\/li>\n<li>Aguardar evaluaci\u00f3n de la entidad financiera conforme a sus pol\u00edticas internas.<\/li>\n<li>Firmar el contrato y recibir el monto si es aprobado.<\/li>\n<\/ol>\n<p><strong>Ventajas destacadas del Cr\u00e9dito Fogape Covid-19<\/strong><\/p>\n<p>El respaldo estatal permite tasas de inter\u00e9s competitivas, facilitando el acceso a capital para las empresas con necesidades de liquidez. Otra ventaja es la flexibilidad de plazos, permitiendo ajustes seg\u00fan la realidad del solicitante. Adem\u00e1s, este cr\u00e9dito fomenta la continuidad operativa y evita el quiebre de negocios en situaciones adversas.<\/p>\n<p><strong>Puntos en contra a considerar<\/strong><\/p>\n<p>El principal requisito es no estar en mora significativa, lo que excluye a empresas con problemas de pagos antes de las fechas establecidas. Por otro lado, el otorgamiento depende de la evaluaci\u00f3n final del banco, por lo que no existe aprobaci\u00f3n autom\u00e1tica.<\/p>\n<p><strong>Veredicto final<\/strong><\/p>\n<p>El Cr\u00e9dito Fogape Covid-19 es una valiosa herramienta para pymes y empresas que cumplen condiciones, entregando financiamiento en t\u00e9rminos justos y respaldados. Aunque no todos pueden acceder debido a requisitos de morosidad y evaluaci\u00f3n interna de los bancos, para quienes califican es una oportunidad a considerar seriamente si se atraviesa una situaci\u00f3n complicada.<\/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 pymes y empresas afectadas por Covid-19, con tasas preferenciales, plazos flexibles y respaldo estatal. Dirigido a quienes cumplan requisitos espec\u00edficos.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/pt_br\/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;\">Solicitar agora<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1 redirecionado para outro site<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Descubre los principales requisitos, ventajas y limitaciones del Cr\u00e9dito Fogape Covid-19 para pymes en Chile. Revisa c\u00f3mo postular de manera sencilla aqu\u00ed.<\/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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dito Fogape Covid-19: principales requisitos y ventajas para pymes en Chile - The Fund Mentor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thefundmentor.com\/pt_br\/29f9515f-820c-4ed8-a830-42ae2f311178\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dito Fogape Covid-19: principales requisitos y ventajas para pymes en Chile - The Fund Mentor\" \/>\n<meta property=\"og:description\" content=\"Descubre los principales requisitos, ventajas y limitaciones del Cr\u00e9dito Fogape Covid-19 para pymes en Chile. 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