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Proyecto aplicado empresarial express factoring modalidad reto de emprendimiento

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dc.contributor.advisorRincón Cárdenas, Erick Richard Alexis
dc.creatorMontes Costa, Rafael Enrique
dc.creatorÁlzate Salcedo, Miguel Ángel
dc.creator.degreeMagíster en Negocios y Derecho
dc.date.accessioned2026-04-29T20:13:04Z
dc.date.available2026-04-29T20:13:04Z
dc.date.created2026-04-24
dc.descriptionEXPRESS 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.
dc.description.abstractEXPRESS 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.
dc.format.extent108 pp
dc.format.mimetypeapplication/pdf
dc.identifier.doihttps://doi.org/10.48713/10336_47761
dc.identifier.urihttps://repository.urosario.edu.co/handle/10336/47761
dc.language.isospa
dc.publisherUniversidad del Rosario
dc.publisher.departmentEscuela de Administración-Administración de empresas
dc.publisher.programMaestría en Negocios y Derecho
dc.rightsAttribution-ShareAlike 4.0 International*
dc.rights.accesRightsinfo:eu-repo/semantics/openAccess
dc.rights.accesoAbierto (Texto Completo)
dc.rights.urihttp://creativecommons.org/licenses/by-sa/4.0/*
dc.source.bibliographicCitationAgencia Española de Cooperación Internacional para el Desarrollo (AECID). (2011). Eliminando barreras: El financiamiento a las pymes en América Latina . Banco Santander. (2024). ¿Qué es el forfaiting internacional? Recuperado el Marzo de 2026, de https://www.bancosantander.es/glosario/forfaiting-internacional
dc.source.bibliographicCitationCastaño, J. (2022). Mercado de capitales: Motor de la productividad empresarial 33° Simposio de Mercado de Capitales- Asobancaria.
dc.source.bibliographicCitationCesce. (21 de Septiembre de 2023). Factoring sin recurso: definición y para qué sirve. Obtenido de https://www.cesce.es/es/w/asesores-de-pymes/factoring-sin-recurso#:~:text=En%20un%20factoring%20sin%20recurso,un%20impago%20de%20la%20deuda.
dc.source.bibliographicCitationColombia Fintech. (22 de Mayo de 2025). Fintech Snapshot – Factoring y Confirming 2025. Obtenido de https://colombiafintech.co/2025/05/22/fintech-snapshot-factoring-y-confirming-2025/ Colombia Fintech. (2025). Fintechs colombianas: trazabilidad por nuevas regulaciones e innovación atrae al 10% de los nuevos usuarios de crédito.
dc.source.bibliographicCitationKLYM by COVAL. (19 de Febrero de 2022). ¿Qué es confirming y cómo funciona en Colombia? Recuperado el diciembre de 2025, de https://klym.com/co/blog/que-es-confirming-como-funciona-colombia/ Oracle. (2025).
dc.source.bibliographicCitationRincon, E. (2023). El desarrollo jurídico de Fintech 2ª Edición. Bogotá: Editorial Tirant Lo Blanch. Suarez, D. M. (21 de Septiembre de 2025). El factoring, la alternativa para pymes que proyecta financiar $7 billones en 2025. Obtenido de Valora Analitik: https://www.valoraanalitik.com/el-factoring-alternativa-para-pymes/#:~:text=Foto:%20tomada%20de%20Freeppik.%20Comp%C3%A1rtelo%20en:%20En,sus%20posibilidades%20frente%20a%20la%20banca%20tradicional.
dc.source.bibliographicCitationSuperintendencia Financiera. (2025). Reporte de Inclusión Financiera 2024. Programa Nacional- Banca de Oportunidades. Colombia. Obtenido de https://www.bancadelasoportunidades.gov.co/sites/default/files/2025-06/BDO_RIF%202024_20062025.pdf
dc.source.bibliographicCitationVeenendaal, A. (enero de 2026). Blue Prism. Obtenido de https://www-blueprism-com.translate.goog/guides/business-process/?_x_tr_sl=en&_x_tr_tl=es&_x_tr_hl=es&_x_tr_pto=tc
dc.source.instnameinstname:Universidad del Rosario
dc.source.reponamereponame:Repositorio Institucional EdocUR
dc.subjectFactoraje
dc.subjectTecnología financiera
dc.subjectPequeñas y medianas empresas
dc.subjectSoluciones de liquidez
dc.subject.keywordFactoring
dc.subject.keywordFintech
dc.subject.keywordSmall and medium-sized enterprises
dc.subject.keywordLiquidity solutions
dc.titleProyecto aplicado empresarial express factoring modalidad reto de emprendimiento
dc.title.TranslatedTitleBusiness applied project express factoring entrepreneurship challenge mode
dc.typemasterThesis
dc.type.hasVersioninfo:eu-repo/semantics/acceptedVersion
dc.type.spaTrabajo de grado
local.department.reportFacultad Jurisprudencia
local.regionesBogotá
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