{"id":58618,"date":"2026-04-17T00:04:00","date_gmt":"2026-04-17T00:04:00","guid":{"rendered":"https:\/\/thefundmentor.com\/0b8d5e4b-efc2-491a-bb8f-0a2a4d3aa788\/"},"modified":"2026-04-17T00:04:53","modified_gmt":"2026-04-17T00:04:53","slug":"0b8d5e4b-efc2-491a-bb8f-0a2a4d3aa788","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/pt_br\/0b8d5e4b-efc2-491a-bb8f-0a2a4d3aa788\/","title":{"rendered":"Cr\u00e9dito Fogape Covid-19 en Chile: Beneficios, Requisitos y Opini\u00f3n Independiente"},"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;\">Cr\u00e9dito 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 destinado a micro, peque\u00f1as y medianas empresas, con tasa preferencial, condiciones flexibles y respaldo estatal. Especial para enfrentar la crisis por el Covid-19.<\/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>El Cr\u00e9dito Fogape Covid-19 es una soluci\u00f3n estatal para ayudar a empresas chilenas afectadas por la contingencia. Destaca por su tasa preferencial y condiciones flexibles. Se define como una alternativa donde el Estado respalda parte importante del cr\u00e9dito, entregando tranquilidad tanto al solicitante como al banco.<\/p>\n<p>En cuanto a requisitos, las micro y peque\u00f1as empresas no deben tener moras superiores a 30 d\u00edas al 31 de octubre de 2019. Las medianas y grandes empresas, en cambio, deben haber estado al d\u00eda al 31 de marzo de 2020. No es necesario tener un historial crediticio perfecto, pero s\u00ed cumplir estas fechas clave.<\/p>\n<p>El plazo de pago y el inter\u00e9s exacto pueden variar seg\u00fan la instituci\u00f3n financiera. Sin embargo, los bancos adheridos deben respetar la pol\u00edtica general de Fogape, garantizando acceso con tasas competitivas, generalmente muy por debajo del mercado tradicional.<\/p>\n<h2>Paso a paso para postular<\/h2>\n<p>1. Averigua si tu empresa cumple con los criterios de mora seg\u00fan su tama\u00f1o.<\/p>\n<p>2. Solicita el cr\u00e9dito en tu banco habitual o entidades participantes.<\/p>\n<p>3. Presenta la documentaci\u00f3n financiera y antecedentes solicitados por el banco.<\/p>\n<p>4. Espera la evaluaci\u00f3n y respuesta de la entidad sobre tu solicitud.<\/p>\n<p>5. Firma el contrato y dispondr\u00e1s del cr\u00e9dito para enfrentar la contingencia.<\/p>\n<h2>Ventajas de Fogape Covid-19<\/h2>\n<p>Una de las mayores fortalezas es la baja tasa de inter\u00e9s, permitiendo a las empresas financiarse sin grandes sobrecostos. Adem\u00e1s, las condiciones de plazo y pago suelen ser m\u00e1s flexibles que en cr\u00e9ditos convencionales.<\/p>\n<p>Destaca tambi\u00e9n el respaldo estatal, que reduce el riesgo para bancos y empresas. Esto facilita el acceso incluso para negocios que, en un contexto tradicional, enfrentar\u00edan mayores trabas de evaluaci\u00f3n.<\/p>\n<h2>Desventajas y puntos a considerar<\/h2>\n<p>El principal limitante est\u00e1 en los requisitos de mora: empresas con deudas vencidas fuera de los plazos quedan excluidas. Adem\u00e1s, cada banco mantiene cierta autonom\u00eda para analizar y aprobar solicitudes, por lo que no hay aprobaci\u00f3n autom\u00e1tica.<\/p>\n<p>Finalmente, Fogape Covid-19 solo est\u00e1 disponible para empresas formales y presenta lineamientos claros que no pueden ser adaptados caso a caso fuera de las reglas vigentes.<\/p>\n<h2>Veredicto final sobre el cr\u00e9dito<\/h2>\n<p>En conclusi\u00f3n, el Cr\u00e9dito Fogape Covid-19 representa una de las alternativas m\u00e1s recomendables para empresas afectadas por la pandemia. Cumpliendo los requisitos de mora y presentando una carpeta financiera clara, las posibilidades de acceso son altas y las condiciones competitivas. <\/p>\n<p>Para empresas que necesitan capital fresco en un escenario complejo, esta es una invitaci\u00f3n real a reactivarse con apoyo estatal y certeza 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;\">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;\">Cr\u00e9dito 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 destinado a micro, peque\u00f1as y medianas empresas, con tasa preferencial, condiciones flexibles y respaldo estatal. Especial para enfrentar la crisis por el Covid-19.<\/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>Conoce los puntos fuertes y d\u00e9biles del Cr\u00e9dito Fogape Covid-19 para pymes en Chile. Ventajas, condiciones, requisitos y una opini\u00f3n objetiva e independiente.<\/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 en Chile: Beneficios, Requisitos y Opini\u00f3n Independiente - 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\/0b8d5e4b-efc2-491a-bb8f-0a2a4d3aa788\/\" \/>\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 en Chile: Beneficios, Requisitos y Opini\u00f3n Independiente - The Fund Mentor\" \/>\n<meta property=\"og:description\" content=\"Conoce los puntos fuertes y d\u00e9biles del Cr\u00e9dito Fogape Covid-19 para pymes en Chile. 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