The way to smart financing
In Argentina, many SMEs continue to think that the capital market is an exclusive club for large corporations. The reality is another: today there are accessible tools that allow financing exports or working capital and, at the same time, investing surpluses safely and profitably.
For example, through Stock sacks A SME can place its surpluses in short installments (from 1 to 120 days) with rates that in recent months were located around 50% annualguaranteed by the market itself. In comparison, bank credits for working capital exceeded 80% annualmore expensive daily operation.
However, more and more companies are taking the step: some finance working capital with short -term instruments such as Cautions, PyME negotiable obligations, financial trusts, guarantees of Reciprocal Guarantee Societies (SGR) or schemes of leasingwhich allow to incorporate machinery and technology without decapitalized.
In addition, the market provides options to manage liquidity. With Common investment funds Money Marketthe SME can park surpluses and have them immediately, while with Treasury Lyrics It obtains extra performance in short deadlines. It is not direct financing, but prevents money from “sleeping” in the current account.
A simple entrance door
Access is simple: Open a principal account in a enabled broker. That step, which has no opening or maintenance cost, enables the company to operate in the capital market, access competitive financing and optimize the placement of surplus funds with regulated support.
While most depend on bank loans at impossible rates, who access the market find more competitive alternatives, with deadlines and conditions that adapt to their business flows. Corporate bonds, financial trusts and other instruments, well used, become a silent partner that drives competitiveness.
Beyond myth
Using the capital market is not specular: it is planning. It is to stop playing defensive and build a shield against inflation, devaluation and credit increase, while growth is financed. It is not a privilege, but a strategic decision.
According to the analysis of Mariano Sebastián Ricco (Mat. CNV 2365 – SSN 107249), from data from the Central Bank of the Argentine Republic (BCRA) and of the Buenos Aires Stock Exchange (BCBA)the peaks of ration rates moved around the 52% annual between May and July 2025well below the bank cost for SMEs in the same period.
Commercial premises, workshops, production industries and even neighborhood shops Today you can access these tools, regardless of their size, and make a qualitative leap in your financing.
Comparative graph
VS. Bank credits (May – Julio 2025)
Fuentes: Central Bank of the Argentine Republic (BCRA) and trade stock market of Buenos Aires (BCBA).
Author’s contact
Mariano Sebastián Nicola Ricco
Financial Advisor – CNV 2365 / SSN 107249 registrations
Tel: 11 3143-0206
Mail: [email protected]
Instagram: @MR_Assoriafinanciera
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