El crowdlending como alternativa a la banca

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CLAVES:

  • Esta nueva forma de inversión está creciendo entre inversores particulares, profesionales e institucionales.
  • Los inversores eligen estas nuevas plataformas como modo de participación en la economía colaborativa y por su rechazo a la opacidad de la banca tradicional.
  • En un 60% de los casos el inversor selecciona la empresa en función del sector al que pertenece y solamente un 12% analiza los balances y cuenta de resultados.
  • Su actividad, tras la regulación de 2015, quedó supeditada a la supervisión de la CNMV e informes vinculantes del Banco de España.
  • Algunas de las plataformas que operan en nuestro país en esta modalidad de crowdfunding son: Comunitae, Arboribus, Loanbook o MyTripleA.

El crowdlending o P2Plending es una modalidad de crowdfunding que consiste en pequeños préstamos a empresas o particulares por parte de muchas personas. Hoy está tan popularizado que se ha convertido en una alternativa firme al préstamo bancario. En nuestro país hay varias plataformas que operan en este sector. Una de ellas, Arboribus, acaba de publicar un estudio sobre el perfil del inversor en este tipo de plataformas.

Perfil del inversor español en crowdlending.

El I Estudio del inversor español en crowdlending, realizado por Arboribus a más de 1.500 inversores, revela unas estadísticas con las cuáles podemos decir que esta nueva alternativa de inversión que ayuda a financiar a pequeñas y medianas empresas (PYMES) sin intermediación de la banca está creciendo y consolidándose entre los inversores particulares, profesionales e institucionales.

Con más de 6 millones de euros invertidos en préstamos a pequeñas y medianas empresas el estudio revela que el 50% de los inversores reinvierte sus beneficios y el 43% tienen la intención de aumentar su inversión en esta nueva alternativa.

Hay dos motivos, con un claro carácter social, por los que el inversor español en crowdlending participa en esta nueva oportunidad de inversión:

  • Economía colectiva + participativa: El 30% de los inversores destacan la oportunidad de ayudar a las PYMES a conseguir la financiación para seguir adelante con sus proyectos. El crowdlending forma parte de la tendencia colectiva social y participativa que sigue creciendo en muchos sectores de la economía en este país.
  • NO a la banca: Al 28,5% de los inversores les gusta un modelo que ofrece soluciones para invertir sus ahorros de forma independiente a la banca. La transparencia del crowdlending y el control sobre donde se invierte el dinero de este nuevo modelo choca directamente con la opacidad de la banca y la desconfianza en la gestión de sus ahorros.

El inversor elije en que empresas quiere invertir y cuánto dinero. En un 60% de los casos el inversor selecciona la empresa en función del sector al que pertenece y solamente un 12% analiza los balances y cuenta de resultados. Estos datos indican la confianza de los inversores en el análisis de la empresa y la transparencia en los datos presentados por Arboribus antes de aprobar y dar de alta un nuevo proyecto en el marketplace.

Respecto a Arboribus y a la relación con los inversores, un 59% destacan la información que suministra la plataforma a nivel personal, el resumen y situación de sus inversiones, y a nivel global, la sección de estadísticas dónde se pueden consultar la situación de todos los préstamos que se han financiado en la plataforma.

Otro dato interesante que podemos sacar del estudio del inversor español en crowdlending es que un 27% se conecta a través de terminales móviles, smartphones y tablets, tendencia que cada año va en aumento gracias a la evolución de la tecnología y la facilidad que supone para ellos tener en el bolsillo el acceso a la información sobre sus inversiones.

Fuente: Arboribus
Fuente: Arboribus

ARBORIBUS. I Estudio del inversor español en crowdlending.28 de Abril de 2016 [consultado 24-05-2016]. Disponible en: http://blog.arboribus.com/estudio-del-inversor-espanol-en-crowdlending/

Cuatro alternativas a la banca.

A la hora de sacar adelante un proyecto o cubrir nuestras necesidades de capital, son varias opciones de las que disponemos más allá de la banca tradicional, business angels o venture capital. Además de las conocidas modalidades del crowdfunding de recompensas y el crowdequity, también podemos acudir a préstamos por parte de personas a cambio de un interés.

Las empresas tienen de esta manera acceso a un préstamo en mejores condiciones que otras alternativas a la banca para créditos rápidos. Es cierto que esta opción suele ser más cara que la banca, pero también es más accesible, ágil y transparente.

Fuente: Consumo Colaborativo
Fuente: Consumo Colaborativo

Eso sí, se trata de una operación de riesgo (como inversor) cuya actividad, tras la regulación de 2015, quedó supeditada a la supervisión de la CNMV e informes vinculantes del Banco de España. Cualquier persona que ponga su dinero en estas plataformas debe tener en cuenta este factor, el cual se suaviza con bajas sumas por operación, diversificando la cartera, estudiando con detalle cómo operan las plataformas en cuanto a los promotores (estudio de riesgos, análisis de liquidez, historial, actividad…) e intentando recabar toda la información posible sobre las empresas o proyectos a los que presta su dinero.

Veamos ahora algunas de esas plataformas que operan en nuestro país en esta modalidad de crowdfunding:

Comunitae.

La pionera en nuestro país lleva desde 2009 ofreciendo servicios de financiación a empresas y particulares a través de su plataforma. Durante todos estos años, sus inversores han prestado 28.519.799€ en más de 5756 préstamos. Además de servicios disruptivos como el crowdlending, ofrece también servicios financieros a empresas reservados tradicionalmente a la banca, como descuento en pagarés y líneas de confirming.

Arboribus.

Arboribus es un espacio donde los inversores pueden prestar dinero a empresas solventes previamente analizadas.

Puedes escoger las empresas, el importe y el tipo de interés al que quieres prestar. En una subasta transparente se agrupan las mejores ofertas y, si la empresa acepta el préstamo, lo devuelve en cuotas mensuales.

En su estudio sobre el perfil del inversor español en crowdlending, esta plataforma revela que se obtiene un interés medio de entre el 4% y el 6%. Cifra que con los tipos de interés actuales no deja de ser atractiva. También se pone de manifiesto que la franja de edad del inversor está entre los 35 y 44 años, siendo un 30% mujeres. Además, un 93% de los inversores tiene previsto aumentar su cartera de inversión en la plataforma o reinvertir sus beneficios.

Loanbook.

Ya han prestado más de 9 millones de euros. Se trata de una empresa especializada en la financiación de pymes en España mediante préstamos y otras formas de crédito. Permiten a las empresas financiarse directamente por ahorradores e inversores sin acudir a los servicios de un banco tradicional, empleando un marketplace online e innovador para conectar directamente a los inversores con empresas españolas.

Fuente: LoanBook

Además, permite decidir a qué empresas quiere prestar, cuánto quiere prestar y a qué tipo de interés. Se puede participar en un préstamo o crear cartera propia de préstamos. Cada préstamo es rigurosamente analizado, seleccionado y calificado por un equipo experto.

Loanbook se encuentra entre las primeras plataformas en recibir la acreditación de ACCIÓ, que garantiza la calidad de las entidades catalanas de financiación alternativa.

MyTripleA.

Pymes, autónomos y emprendedores obtienen préstamos directamente de inversores particulares o empresas, dispuestos a prestar su dinero en mejores condiciones que un banco. MytripleA es el nexo de unión entre ambas partes haciendo el proceso mucho más sencillo y rápido. Además, son la primera y única plataforma de crowdfunding con licencia de Entidad de Pago y, como tal, están supervisados por el Banco de España. Por último, disponen de acuerdos con Sociedades de Garantía Recíproca, que avalan algunos de los préstamos intermediados por la plataforma.

Características comunes de las diferentes plataformas.

Aunque cada plataforma es un mundo, tienen todas ellas en común:

  • La preocupación por minimizar el riesgo de los inversores, eliminarlo sería imposible.
  • La transparencia de las operaciones.
  • La flexibilidad para poder decidir exactamente a quién va a ir destinado nuestro dinero, teniendo así la posibilidad de apoyar proyectos que nos pueden ofrecer una rentabilidad económica.
  • La satisfacción personal por ser parte activa y directa de la economía.
  • Además, debido al sector en el que operan, todas llevan la innovación en el adn.

Para los que estén pensando en montar su propia plataforma existe esta solución CrowdLendingApp que resuelve toda la parte del backoffice.

Primero fue la banca online la que puso de manifiesto que el negocio bancario se podía hacer de otra manera. Ahora son las fintech las que están revolucionando un sector que parecía intocable y las que han demostrado una eficiencia difícilmente alcanzable con las estructuras tradicionales. Basada, además, en la transparencia y en la rentabilidad de las personas como fin.

Actualmente estamos viviendo las consecuencias de estos, y otros muchos, cambios en forma de cierre de oficinas, que se cuentan por cientos. Y, a pesar de que las cuentas de resultado aún no dejan de subir, la banca ya está temiendo por sus beneficios.

En todo caso, bancos como el BBVA o Santander están también invirtiendo en este tipo de plataformas, sobre todo en Reino Unido (Funding Circle) y Estados Unidos (Prosper).

CONSUMO COLABORATIVO. Crowdlending como alternativa a la banca. 03 de Mayo de 2016 [consultado 24-05-2016]. Disponible en: http://www.consumocolaborativo.com/2016/05/03/crowdlending-como-alternativa-a-la-banca/

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