Evaluación de estrategias de financiamiento a través de la venta de cartera comparados con los créditos convencionales para empresas de repuestos de inyección a diésel en el sector automotriz en el sur de Quito en el periodo 2023

Abstract

This study focuses on the comparison of portfolio sales and conventional credit as financing strategies for diesel injection spare parts companies in the south of Quito in the year 2023. To achieve this objective, the mixed method was used. The quantitative method included the collection and analysis of numerical data on the different types of financing and their impact on companies. Meanwhile, the qualitative method provided a deeper understanding by interpreting non-numerical data, such as observations and textual analysis. Surveys were conducted with 25 diesel injection spare parts companies, collecting detailed information on their experiences regarding the two types of financing used. This information made it possible to evaluate factors such as: interest rates, terms, and commissions. The results show that 60% of companies prefer conventional loans due to lower interest rates and long-term stability. However, 24% chose to sell the portfolio, valuing quick access to capital. 16% combined both strategies. Portfolio selling can be an effective solution for improving short-term liquidity, as it allows businesses to raise cash quickly by selling accounts receivable. Conventional credits, on the other hand, while they can be more difficult to obtain and involve a stricter approval process, often offer better long-term terms, such as lower interest rates and greater financial stability. It is concluded that there is no strategy that is better for companies. Instead, we recommend considering a balanced analysis of each of the strategies to make the best financing decision based on the specific needs and financial situation of each company.