Financiación alternativa para las empresas pymes en Colombia que no cuentan con la posibilidad de acceder a la financiación tradicional.

Small and medium-sized companies in Colombia play an important role in its economy due to their large market share in different sectors of the economy, during the year 2021 there is evidence of significant growth in the creation of this type of companies, However, it is also evident that the mortality rate of these companies is high and many of them do not last over time. One of the important difficulties that these organizations encounter in the development of their activity is access to external financing, many of them do not have the necessary capital for the development of their activity and require external financing. Due to their characteristics, these organizations present a high risk and high probability of non-payment, which means that traditional banking cannot supply the financing need demanded by these organizations. Due to the above, it is necessary to generate an analysis that allows the identification of alternative financing sources that provide the opportunity to risk levels, in order to finance from the beginning of their activity (if This is required) without the need to demand the current conditions requested by traditional banking, making differential analyzes that allow mitigating the inherent and emerging risks in the activity. [ABSTRACT FROM AUTHOR]