{"id":33864,"date":"2026-03-04T20:39:00","date_gmt":"2026-03-04T20:39:00","guid":{"rendered":"https:\/\/thefundmentor.com\/588bac63-b347-4324-bdcf-946c542ac9e8\/"},"modified":"2026-03-04T20:39:41","modified_gmt":"2026-03-04T20:39:41","slug":"588bac63-b347-4324-bdcf-946c542ac9e8","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/pt_br\/588bac63-b347-4324-bdcf-946c542ac9e8\/","title":{"rendered":"Cr\u00e9dito Fogape Covid-19: financiamiento flexible para empresas 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 &#8211; 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;\">Financiamiento flexible para micro, peque\u00f1as, medianas y grandes empresas. Condiciones especiales y tasa conveniente para negocios afectados por la pandemia.<\/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;\">Postular ahora<\/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 un cr\u00e9dito creado para apoyar a las micro, peque\u00f1as, medianas y grandes empresas en Chile durante la crisis sanitaria. Su objetivo es entregar financiamiento con condiciones flexibles. Las tasas suelen ser preferenciales y el plazo de pago variable seg\u00fan evaluaci\u00f3n de cada banco, habitualmente desde 12 hasta 48 meses.<\/p>\n<p>La principal condici\u00f3n es no tener morosidad bancaria superior a 30 d\u00edas al 31 de octubre de 2019 (para micro y peque\u00f1as empresas) o al 31 de marzo de 2020 (para medianas y grandes). Cada banco revisar\u00e1 la situaci\u00f3n financiera del solicitante conforme a sus pol\u00edticas de cr\u00e9dito, considerando patrimonio, historial crediticio y capacidad de pago.<\/p>\n<h3>Paso a paso para solicitar el Cr\u00e9dito Fogape Covid-19<\/h3>\n<p>1. Acude a tu banco habitual o revisa canales digitales para iniciar la solicitud.<br \/>\n2. Presenta los antecedentes de tu empresa y documentaci\u00f3n financiera b\u00e1sica.<br \/>\n3. Espera evaluaci\u00f3n interna de la entidad financiera.<br \/>\n4. Recibe la oferta formal de cr\u00e9dito si cumples requisitos.<br \/>\n5. Firma contrato y accede al desembolso bajo las condiciones acordadas.<\/p>\n<h3>Ventajas del cr\u00e9dito Fogape Covid-19<\/h3>\n<p>Una de las principales fortalezas de este cr\u00e9dito es que permite a empresas afectadas por la pandemia acceder a financiamiento en condiciones mucho m\u00e1s favorables que un cr\u00e9dito comercial est\u00e1ndar. Adem\u00e1s, el respaldo estatal disminuye el riesgo para los bancos, facilitando la aprobaci\u00f3n.<\/p>\n<p>La flexibilidad en los plazos y en el monto financiado representa un alivio efectivo para capital de trabajo, pago de sueldos o reactivaci\u00f3n de operaciones. Las tasas suelen ser inferiores al promedio de mercado, dando ventaja a quienes necesitan liquidez urgente.<\/p>\n<h3>Desventajas del cr\u00e9dito Fogape Covid-19<\/h3>\n<p>No todas las empresas pueden acceder: el requisito de no tener morosidad relevante a las fechas claves deja fuera a muchas PYMES. Asimismo, el proceso puede ser particularmente exigente en la entrega de documentaci\u00f3n y no es inmediato.<\/p>\n<p>Por otra parte, la decisi\u00f3n final depende de cada instituci\u00f3n financiera, lo cual puede generar incertidumbre pese al respaldo estatal del Fogape. Algunas empresas pueden verse limitadas por los montos m\u00e1ximos que el programa cubre.<\/p>\n<h3>Veredicto final sobre el Fogape Covid-19<\/h3>\n<p>Esta l\u00ednea de cr\u00e9dito es una alternativa valiosa para empresas impactadas por el contexto sanitario y econ\u00f3mico, especialmente para quienes cumplen los requisitos de historial bancario. Pese a algunas restricciones y tr\u00e1mites, sus ventajas en plazo y tasas resultan competitivas respecto a la banca tradicional.<\/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 &#8211; 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;\">Financiamiento flexible para micro, peque\u00f1as, medianas y grandes empresas. Condiciones especiales y tasa conveniente para negocios afectados por la pandemia.<\/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;\">Postular ahora<\/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>Rese\u00f1a independiente sobre el Cr\u00e9dito Fogape Covid-19 para empresas chilenas, conoce requisitos, ventajas, desventajas y consejo final antes de postular<\/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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