Préstamo back to back como alternativa de financiamiento a corto plazo para las empresas privadas del sector comercial en Guayaquil.

Abstract

The objective of this research is to analyze the back to back loan and compare it with a loan for an SME, the same one that is granted by Financial Institutions to investors that need to capitalize to undertake new projects to increase their business. In the real world, the fear of the risks involved in investing restrains the entrepreneurs who want the improvement and progress of their companies, and that to achieve this they need capital injection; in these cases, it is convenient to do the corresponding analysis to be able to have the certainty of the risk and the type of loan that will be carried out, which in this case would be the Back to Back loan, a loan that would be used to leverage the business. Financing is the main obstacle that SMEs have to overcome in their ladder of success and growth, and it is precisely this type of companies that are most in need of capital by the financial system, although it is an unfavorable factor due to the risk, they pose to not be positioned, unlike other large companies.