{"id":3576,"date":"2024-05-28T23:16:16","date_gmt":"2024-05-28T23:16:16","guid":{"rendered":"https:\/\/smallbusinessflexfund.org\/faq\/"},"modified":"2025-09-19T12:17:21","modified_gmt":"2025-09-19T19:17:21","slug":"faq","status":"publish","type":"page","link":"https:\/\/smallbusinessflexfund.org\/es\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bbgcid-f14d9039-3812-4257-9246-b8ed5beb0c3f\u00bb background_image=\u00bbhttps:\/\/smallbusinessflexfund.org\/wp-content\/uploads\/2021\/06\/State.png\u00bb background_size=\u00bbinitial\u00bb background_position=\u00bbtop_right\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%93,%22gcid-f14d9039-3812-4257-9246-b8ed5beb0c3f%22:%91%22background_color%22%93}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text module_class=\u00bbhero-text\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h1 class=\"hero-text\" style=\"text-align: center;\">Preguntas frecuentes<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb16px|||||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_toggle title=\u00bb\u00bfQu\u00e9 tipos de empresas pueden acceder a un pr\u00e9stamo Washington Small Business Flex Fund 2 (Fondo flexible 2 para peque\u00f1as empresas de Washington)? \u200b \u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Para acceder a un pr\u00e9stamo Flex Fund, la peque\u00f1a empresa debe cumplir con los requisitos que se indican a continuaci\u00f3n. Tenga en cuenta que el propietario de la empresa con mayor participaci\u00f3n accionaria ser\u00e1 quien complete y presente la solicitud preliminar y que todos los propietarios que tengan m\u00e1s del 20 % de participaci\u00f3n accionaria deber\u00e1n dar fe de la informaci\u00f3n facilitada. \u200b <\/p>\n<p>Los siguientes criterios son los m\u00ednimos exigidos para que una empresa o entidad sin fines de lucro pueda acceder a un pr\u00e9stamo en el marco de este programa: \u200b<\/p>\n<ul>\n<li>&#8211; Debe tener 50 empleados o menos. \u200b<\/li>\n<li>&#8211; Debe tener una antig\u00fcedad de un a\u00f1o como m\u00ednimo al momento de la presentaci\u00f3n de la solicitud. \u200b<\/li>\n<li>&#8211; Debe tener ingresos anuales de menos de 5 millones de d\u00f3lares. \u200b<\/li>\n<li>&#8211; Debe demostrar que puede devolver el pr\u00e9stamo mediante el flujo de caja anterior y proyectado. \u200b<\/li>\n<li>&#8211; Debe operar en el estado de Washington.<\/li>\n<\/ul>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfEn qu\u00e9 se diferencia este programa de otros fondos de pr\u00e9stamo?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>El Fondo Flex 2 para Peque\u00f1as Empresas de Washington colabora con una red de prestamistas con arraigo comunitario que cuentan con d\u00e9cadas de experiencia en el apoyo a peque\u00f1as empresas y organizaciones sin fines de lucro en comunidades desatendidas y con acceso limitado a servicios bancarios en Washington. Estos prestamistas comunitarios pueden guiarle durante el proceso de solicitud y obtenci\u00f3n del pr\u00e9stamo. Asimismo, el Fondo busca facilitar el acceso a recursos financieros eliminando los requisitos de calificaci\u00f3n crediticia o de garant\u00edas espec\u00edficas, as\u00ed como las tarifas de originaci\u00f3n que no sean parte de los costos de cierre. Los fondos del pr\u00e9stamo pueden utilizarse de manera flexible, adapt\u00e1ndose a las necesidades y objetivos de su empresa.   <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfA\u00fan puedo presentar una solicitud si he recibido fondos de asistencia por COVID-19 para mi peque\u00f1a empresa?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb disabled=\u00bbon\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p><span>S\u00ed. Si bien el fondo fue concebido para ayudar a las empresas y organizaciones sin fines de lucro m\u00e1s peque\u00f1as de Washington a reconstruirse despu\u00e9s de la crisis sin precedentes, tanto econ\u00f3mica como de salud p\u00fablica, provocada por el COVID-19, todos los fondos de asistencia por COVID-19 que haya recibido para su peque\u00f1a empresa son distintos y no afectan su capacidad para solicitar y recibir un pr\u00e9stamo del Fondo Flexible para Peque\u00f1as Empresas.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfNecesito una garant\u00eda? \u200b\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>No se requiere ninguna garant\u00eda espec\u00edfica para acceder al pr\u00e9stamo. No necesita tener acceso a ning\u00fan inmueble o equipamiento espec\u00edfico. Sin embargo, se presentar\u00e1 una primera o segunda garant\u00eda flotante sobre los activos de la empresa, y su prestamista puede solicitar garant\u00edas adicionales espec\u00edficas. Se exigir\u00e1n garant\u00edas personales a las personas que sean propietarias del 20 % o m\u00e1s de una empresa. \u200b   <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfMi empresa debe estar ubicada en Washington para presentar la solicitud? \u200b\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>S\u00ed, la oficina principal o el establecimiento comercial que se beneficie principalmente del pr\u00e9stamo debe estar ubicado en Washington, y el uso previsto de los ingresos debe utilizarse en Washington. \u200b<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfQui\u00e9nes son los prestamistas locales de la comunidad?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Lo que vuelve realmente \u00fanico al Fondo Flex 2 para Peque\u00f1as Empresas de Washington es la red de prestamistas sin fines de lucro de la comunidad y proveedores de asistencia t\u00e9cnica. Durante m\u00e1s de 40 a\u00f1os, estas instituciones financieras para desarrollo comunitario (Community Development Financial Institutions, CDFI) se han dedicado a ayudar a prosperar a las peque\u00f1as empresas y organizaciones sin fines de lucro. Las CDFI existen para satisfacer las necesidades \u00fanicas de comunidades que hist\u00f3ricamente no han recibido suficientes servicios bancarios, y tienen a\u00f1os de experiencia en hacer pr\u00e9stamos en estas comunidades.  <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfPor qu\u00e9 la solicitud incluye preguntas sobre mis antecedentes personales?\u200b\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>El financiamiento provisto a trav\u00e9s del Fondo Flex 2 para Peque\u00f1as Empresas de Washington tiene como objetivo fortalecer las comunidades y las peque\u00f1as empresas y organizaciones sin fines de lucro que contribuyen a su prosperidad. La informaci\u00f3n voluntaria sobre antecedentes que proporcionan los solicitantes previos nos ayuda a garantizar que el programa llegue a las peque\u00f1as empresas locales que m\u00e1s necesitan estos fondos. <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfQu\u00e9 hago si necesito ayuda total con la solicitud de pr\u00e9stamo?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Al completar el <a href=\"https:\/\/smallbusinessflexfund.org\/es\/complete-su-solicitud-ahora\/\">cuestionario de pre-solicitud<\/a> en este sitio web, si usted cumple con los requisitos como prestatario, ser\u00e1 derivado a una entidad crediticia local con base en la comunidad. Dicha entidad podr\u00e1 asistirlo en cada etapa del proceso de solicitud de pr\u00e9stamo completo y lo guiar\u00e1 hacia servicios de soporte t\u00e9cnico adicionales.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfCu\u00e1les son los plazos del pr\u00e9stamo? \u200b\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p><strong>Pr\u00e9stamos con plazos a 36 a 72 meses<\/strong><br \/>Pr\u00e9stamos hasta por $250,000<br \/>Las tasas de inter\u00e9s actuales oscilan entre el 8.25 % y el 11.25 %, seg\u00fan el plazo del pr\u00e9stamo*<br \/>Tasa de inter\u00e9s fija durante todo el per\u00edodo del pr\u00e9stamo<br \/>Sin cargos por pago adelantado.<br \/><em>*Este rango se sit\u00faa entre el 1 % y el 4 % por encima de la tasa preferencial actual del WSJ, que es del 7.25 %. Dicha tasa es una referencia nacional establecida por los 10 bancos m\u00e1s grandes de los Estados Unidos.<\/em><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfPara qu\u00e9 puedo utilizar el pr\u00e9stamo? \u200b \u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Los pr\u00e9stamos Washington Small Business Flex Fund 2 pueden utilizarse para un amplio rango de necesidades empresariales como las siguientes:\u200b<\/p>\n<ul>\n<li>Salarios \u200b<\/li>\n<li>&#8211; Servicios p\u00fablicos y alquiler\u200b<\/li>\n<li>&#8211; Mejoras edilicias\u200b<\/li>\n<li>&#8211; Marketing y publicidad\u200b<\/li>\n<li>&#8211; Suministros y otros gastos empresariales\u200b<\/li>\n<\/ul>\n<p>Los pr\u00e9stamos no se pueden utilizar para lo siguiente:\u200b<\/p>\n<ul>\n<li>&#8211; Inversiones inmobiliarias pasivas\u200b<\/li>\n<li>&#8211; Actividades de cabildeo\u200b<\/li>\n<li>&#8211; Participaci\u00f3n en compraventa de valores\u200b<\/li>\n<li>&#8211; Actividades prohibidas conforme a la legislaci\u00f3n federal o del estado de Washington, u otras actividades prohibidas \u200b<\/li>\n<\/ul>\n<p>Se le solicitar\u00e1 que detalle el uso propuesto de los fondos del pr\u00e9stamo al presentar su solicitud formal ante el prestamista comunitario.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bbSi mi solicitud coincide con un prestamista del programa, \u00bfrecibir\u00e9 un pr\u00e9stamo?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Debido a la cantidad limitada de fondos disponibles y al alto volumen de pre-solicitudes que se espera, se prev\u00e9 que no todos los solicitantes puedan recibir un pr\u00e9stamo. Adem\u00e1s, tenga en cuenta que presentar una pre-solicitud no es una indicaci\u00f3n de elegibilidad y no significa que se aprobar\u00e1 o financiar\u00e1 un pr\u00e9stamo. Se le solicitar\u00e1 m\u00e1s informaci\u00f3n en su solicitud formal, a trav\u00e9s del prestamista asignado, para determinar su elegibilidad para el pr\u00e9stamo. El tiempo de tramitaci\u00f3n de una pre-solicitud depender\u00e1 del volumen de pre-solicitudes recibidas por la entidad crediticia comunitaria asignada.   <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bbPara solicitar un pr\u00e9stamo del Fondo Flex 2 para Peque\u00f1as Empresas de Washington, \u00bfqu\u00e9 informaci\u00f3n se requerir\u00e1?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Una vez que complete el breve cuestionario de pre-solicitud en este sitio web, la entidad crediticia comunitaria que se le asigne le guiar\u00e1 en la recopilaci\u00f3n de la siguiente documentaci\u00f3n para la solicitud completa del pr\u00e9stamo:<\/p>\n<ul>\n<li>&#8211; las dos declaraciones de impuestos m\u00e1s recientes, en caso de que est\u00e9n disponibles y el prestamista las solicite; \u200b<\/li>\n<li>&#8211; estados de cuenta bancaria o estados financieros generados internamente; \u200b<\/li>\n<li>&#8211; informaci\u00f3n de los propietarios con m\u00e1s del 20 % de participaci\u00f3n accionaria, como el nombre, la direcci\u00f3n, el n\u00famero de seguro social (SSN, del ingl\u00e9s Social Security Number), el n\u00famero de identificaci\u00f3n patronal (EIN, del ingl\u00e9s Employer Identification Number) o el n\u00famero de identificaci\u00f3n de contribuyente individual (ITIN, del ingl\u00e9s Individual Taxpayer Identification Number), el n\u00famero de tel\u00e9fono, el correo electr\u00f3nico, el porcentaje de participaci\u00f3n accionaria y la identificaci\u00f3n con fotograf\u00eda; \u200b<\/li>\n<li>&#8211; formulario de declaraci\u00f3n firmado (que deber\u00e1 presentar el prestamista de la comunidad); \u200b<\/li>\n<li>&#8211; prueba de la constituci\u00f3n legal de la empresa o entidad sin fines de lucro (p. ej., escritura de constituci\u00f3n y estatutos); \u200b<\/li>\n<li>&#8211; garant\u00eda personal (solo para empresas); \u200b<\/li>\n<li>&#8211; otra documentaci\u00f3n que solicite el prestamista de la comunidad cuando presente la solicitud o luego de hacerlo. \u200b<\/li>\n<\/ul>\n<p>Su entidad crediticia comunitaria asignada se pondr\u00e1 en contacto con usted para solicitarle la documentaci\u00f3n requerida, realizar las verificaciones de cr\u00e9dito necesarias y finalizar el proceso de revisi\u00f3n de la solicitud completa.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfQu\u00e9 tipos de negocios no pueden acceder a un pr\u00e9stamo? \u200b\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb module_id=\u00bbfaq-eligibility\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Los negocios que no pueden acceder al pr\u00e9stamo son los siguientes: \u200b<\/p>\n<ul>\n<li>&#8211; empresas de cannabis que realicen actividades prohibidas por la legislaci\u00f3n federal o la legislaci\u00f3n pertinente de la jurisdicci\u00f3n en la que se encuentre la empresa; \u200b<\/li>\n<li>&#8211; inversiones inmobiliarias pasivas o compra de valores; \u200b<\/li>\n<li>&#8211; empresas involucradas en actividades de cabildeo o esquemas de ventas piramidales; \u200b<\/li>\n<li>&#8211; locales utilizados principalmente para el juego o para facilitarlo; \u200b<\/li>\n<li>&#8211; empresas dedicadas a actividades especulativas que obtienen beneficios de las fluctuaciones de los precios y no del curso normal del comercio, como el comercio de mercanc\u00eda futura o la inversi\u00f3n inmobiliaria pasiva; \u200b<\/li>\n<li>&#8211; empresas que obtienen m\u00e1s de la mitad de sus ingresos netos anuales de actividades de pr\u00e9stamo, excepto las instituciones financieras de desarrollo comunitario y las empresas tribales que no son instituciones depositarias ni holding bancarios; \u200b<\/li>\n<li>&#8211; empresas que pretendan liquidar impuestos sobre la renta federales o estatales atrasados, a menos que la peque\u00f1a empresa prestataria tenga un plan de pago vigente con la autoridad tributaria pertinente.<\/li>\n<\/ul>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfWashington Small Business Flex Fund 2 es un pr\u00e9stamo pagadero con servicios? \u200b\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>El programa Fondo Flex 2 para Peque\u00f1as Empresas de Washington no es un pr\u00e9stamo condonable ni un programa de subvenciones. El prestatario deber\u00e1 reembolsar el monto total del pr\u00e9stamo con intereses en un plazo de 3 a 6 a\u00f1os, seg\u00fan las condiciones espec\u00edficas del cr\u00e9dito. <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfQu\u00e9 ocurre si incumplo con un pago?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>Si no hace un pago de su pr\u00e9stamo a tiempo, se le podr\u00eda aplicar un cargo por mora a criterio del prestamista de la comunidad. La falta de pago podr\u00eda provocar que el pr\u00e9stamo se declare en incumplimiento. Durante el proceso completo de solicitud del pr\u00e9stamo, su prestamista de la comunidad le explicar\u00e1 todos los t\u00e9rminos de su contrato de cr\u00e9dito para asegurarse de que entiende los detalles de los pagos atrasados y el incumplimiento.  <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfEs posible volver a pre-solicitar si no soy aprobado por un prestamista en el primer intento?\u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>S\u00ed, al completar el cuestionario de pre-solicitud para el Fondo Flex 2 para Peque\u00f1as Empresas de Washington, incluso si su negocio no cumple con los criterios actuales de un prestamista, a\u00fan puede ser elegible para recibir asistencia t\u00e9cnica del programa. Aseg\u00farese de seleccionar las categor\u00edas de apoyo adicionales que necesita al llenar el cuestionario de pre-solicitud. Una vez que encuentre el apoyo que busca, puede volver a solicitar una conexi\u00f3n con un prestamista en el futuro.  <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00bb\u00bfGarantiza la pre-solicitud una conexi\u00f3n con un prestamista del programa? \u00bb open_toggle_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_toggle_background_color=\u00bb#FFFFFF\u00bb closed_toggle_background_color=\u00bbgcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f\u00bb icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb open_icon_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb _builder_version=\u00bb4.25.1&#8243; _module_preset=\u00bbdefault\u00bb title_text_color=\u00bbgcid-3a01755e-bc7e-4fb0-9e63-c7179784269d\u00bb title_level=\u00bbh4&#8243; border_width_all=\u00bb2px\u00bb border_color_all=\u00bbgcid-22ced0d5-86f7-4f72-96ee-9daf8770f498&#8243; border_style_all=\u00bbnone\u00bb border_color_top=\u00bbgcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2&#8243; border_style_top=\u00bbdotted\u00bb border_width_bottom=\u00bb1px\u00bb border_color_bottom=\u00bbgcid-d01097f9-d600-41e9-bf1a-c715353d9bf7&#8243; border_style_bottom=\u00bbsolid\u00bb box_shadow_style=\u00bbpreset3&#8243; box_shadow_spread=\u00bb-17px\u00bb box_shadow_color=\u00bbgcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef\u00bb global_colors_info=\u00bb{%22gcid-3a01755e-bc7e-4fb0-9e63-c7179784269d%22:%91%22icon_color%22,%22open_toggle_text_color%22,%22title_text_color%22%93,%22gcid-f787c685-8f4c-4729-893e-080575481f27%22:%91%93,%22gcid-22ced0d5-86f7-4f72-96ee-9daf8770f498%22:%91%22border_color_all%22%93,%22gcid-d01097f9-d600-41e9-bf1a-c715353d9bf7%22:%91%22border_color_bottom%22%93,%22gcid-f2ef39ab-3db2-41e0-9a9c-e71e3eecda6f%22:%91%22closed_toggle_background_color%22%93,%22gcid-74717cc6-50e6-4ca7-96dd-9f357d8a51c3%22:%91%93,%22gcid-b8651f5c-e2af-4529-a44f-0e05ddba0cef%22:%91%22box_shadow_color%22%93,%22gcid-dd018396-cf26-4cab-9457-3a67c7bb0024%22:%91%93,%22gcid-29fc6c56-01dc-4498-961c-1028b2e514f2%22:%91%93,%22gcid-b1dccda6-14e1-4cb3-a5d6-d9df7e465eb2%22:%91%22border_color_top%22%93}\u00bb]<\/p>\n<p>No. Si bien el programa ha adoptado criterios m\u00ednimos de elegibilidad para la pre-solicitud (por ejemplo, al menos un a\u00f1o de operaciones, menos de 50 empleados, ingresos anuales inferiores a $5 millones), los prestamistas comunitarios participantes tambi\u00e9n establecen sus propios criterios de pr\u00e9stamo. <\/p>\n<p>Un solicitante que no cumpla con los criterios establecidos por los prestamistas no ser\u00e1 emparejado con uno, pero se le ofrecer\u00e1 una conexi\u00f3n con un proveedor de asistencia t\u00e9cnica del programa, siempre y cuando haya marcado las categor\u00edas de apoyo adicionales al completar el formulario de pre-solicitud. El programa busca un grupo diverso de prestamistas participantes que ofrezcan la cobertura m\u00e1s amplia posible en t\u00e9rminos de ubicaci\u00f3n geogr\u00e1fica, industrias y otros factores, con el fin de lograr la mayor tasa de coincidencia posible con los solicitantes. <\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Preguntas frecuentesPara acceder a un pr\u00e9stamo Flex Fund, la peque\u00f1a empresa debe cumplir con los requisitos que se indican a continuaci\u00f3n. Tenga en cuenta que el propietario de la empresa con mayor participaci\u00f3n accionaria ser\u00e1 quien complete y presente la solicitud preliminar y que todos los propietarios que tengan m\u00e1s del 20 % de participaci\u00f3n [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-3576","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/pages\/3576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/comments?post=3576"}],"version-history":[{"count":5,"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/pages\/3576\/revisions"}],"predecessor-version":[{"id":4588,"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/pages\/3576\/revisions\/4588"}],"wp:attachment":[{"href":"https:\/\/smallbusinessflexfund.org\/es\/wp-json\/wp\/v2\/media?parent=3576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}