Ítem
Acceso Abierto
Proyecto aplicado empresarial express factoring modalidad reto de emprendimiento
Título de la revista
Autores
Montes Costa, Rafael Enrique
Álzate Salcedo, Miguel Ángel
Fecha
2026-04-24
Directores
Rincón Cárdenas, Erick Richard Alexis
ISSN de la revista
Título del volumen
Editor
Universidad del Rosario
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Resumen
EXPRESS FACTORING, un proyecto de emprendimiento en modalidad Fintech enfocado en solucionar la necesidad crítica de liquidez inmediata y apalancamiento de capital de trabajo de las pequeñas y medianas empresas (pymes) en Colombia, un segmento que la banca tradicional atiende de forma insuficiente, y cuyo concepto central es la provisión de soluciones de liquidez mediante el factoring (compra de facturas), utilizando un proceso 100% digital y ágil.
Abstract
EXPRESS FACTORING, factoring is a specialized financial alternative that has not yet reached its full potential within the Colombian business and industrial sectors. Its primary objective is to address the need for financial services that facilitate access to liquidity and the leveraging of working capital. This context gave rise to EXPRESS FACTORING, a Fintech startup focused on solving the critical need for immediate liquidity and working capital leverage for Small and Medium-sized Enterprises (SMEs) in Colombia—a segment currently underserved by traditional banking. The core concept revolves around providing liquidity solutions through factoring (invoice purchasing), utilizing a 100% digital and agile process. This document provides an in-depth development of the business concept, market and competitive analyses, and the company's product and service portfolio. It also outlines revenue streams, client segmentation, market positioning strategies, business processes, operational requirements, and financing strategies. Furthermore, it presents financial projections across three scenarios (Base, Optimistic, and Pessimistic), a comprehensive marketing plan, and a sustainability and social responsibility strategy. Conceptually, the project operates on the premise that factoring serves as a resource to mitigate operational risks. Consequently, the commercial strategy is concentrated on acquiring SMEs and MSMEs, which constitute the bulk of the country’s business landscape. The venture’s initial goal is to onboard at least 50 clients holding invoices issued to large companies with high financial stability to achieve a total placement exceeding COP $4,000 million. The commercial strategy will combine digital platforms and formats with physical touchpoints, allowing for direct interaction between clients and the company’s talent pool. This hybrid approach aims to build trust-based relationships and educate the market on the advantages of this financing model. The value proposition of EXPRESS FACTORING lies in offering an unconventional and efficient financing tool that enables clients to obtain immediate short-term liquidity, manage cash flow, and execute contracts without negatively impacting their bank debt indicators. Operations are designed to be free of bureaucratic hurdles, ensuring they are the most efficient in the market. In terms of competitive advantages, the primary strength resides in agility and technology: a fully digital factoring process. For its launch, an initial investment of approximately COP $4,000 million is required, primarily allocated to working capital and technological infrastructure. Financial projections indicate rapid scalability, with estimated revenues of COP $500 million in the first year, growing to COP $1,400 million by the fifth year. The business model projects net margins of 25% upon reaching maturity. In an optimistic scenario, assuming high capital turnover (5 cycles per year), the maximum projected net profit reaches COP $907 million, confirming the viability and significant profitability of the EXPRESS FACTORING model.
Palabras clave
Factoraje , Tecnología financiera , Pequeñas y medianas empresas , Soluciones de liquidez
Keywords
Factoring , Fintech , Small and medium-sized enterprises , Liquidity solutions
