Every June 27, the International micro, small and medium enterprises day, An UN initiative – implemented, not casually, by Argentina – to highlight the fundamental role that SMEs play in the economies of the world. It is not a decorative date: It is an invitation to stop and look more at a segment that, although it usually appears in all speeches, rarely receives the structural accompaniment it needs.
In Argentina, SMEs are much more than an economic category. They are protagonists of productive activity and employment. Represent More than 99% of the total companies in the country generate about 60% of the private formal employment and maintain, in many cases, the social network of entire regions. They are in industrial parks, in logistics centers, in regional economies, on the technological border and neighborhood stores. They are, in essence, the heart of the real economy.
The main challenges of SMEs
But that prominence lives with huge challenges. Face the Macroeconomic fluctuations, exchange rate jumps, structural inflation, high interest rates and regulatory uncertainty is part of day to day. Most SMEs do not have a finance management or a strategy department: many decisions are made in real time, with what there is. And, in that context, the margin of error is minimal.
One of the most recurring problems is the difficulty in accessing financing that is agile, predictable and reasonable. Banking credit is usually late, or with rates that are unfeasible. But the challenge goes beyond financing. Has to do with the need for Order working capital, plan the flow of funds, cover yourself with risks and think strategically based on changing scenarios. And that is where the capital market can be a key ally.
For a long time, the market was perceived as a distant space, exclusive to large companies or sophisticated investors. But that is changing. Today there are simple and accessible instruments that allow SMEs to finance, invest surpluses, cover the exchange rate or simply order their financial operation. Some tools as an example:
Financially, flexible and competitively, through instruments such as Deferred payment checks, stock exchange promissory notes or electronic invoices.
- Order your working capital and optimize surpluses of liquidity, even for a few days, through common investment or qualification funds.
- Cover exchange risks when operating with foreign trade, either with direct coverage or synthetic strategies.
- Diversify financing sources and reduce dependence on the traditional banking system.
- Project strategic decisions with a more predictable financial support.
These tools already exist, but many times they do not reach SMEs. The problem is not only of offer, but of connection: it is necessary to translate, accompany, advise. Explain the market not in technical terms, but depending on the daily decisions that a company must take: What do I do with this cash surplus? How do I cover the dollar if I have to pay an import in 60 days? How financing working capital without compromising my patrimonial structure?
In that sense, we work with more than 2,000 SMEs throughout the country, not only structuring financing or coverage operations, but also helping to rethink how to organize its flow of funds, how to project its liquidity and how to order its operation.
We believe in closeness: sit Face to face, knowing the business, understanding your times and dynamics is key to building real solutions and lasting relationships. Therefore, we promote a regionalization plan to directly attend companies.
The reality is that a company in Salta, in Córdoba or in Greater Buenos Aires faces different challenges and needs custom solutions. Bringing the market closer to the whole country is not just a matter of infrastructure: it is a private sector decision that makes a difference.
This June 27 should not be just a date to congratulate SMEs. It is also an opportunity to reflect on how the financial system, and in particular the capital market, can accompany them better. With real solutions.
Because if there is something that SMEs teach us every day, is that With well -managed resources, long -term vision and proper accompaniment, it is possible to continue betting on growing even in difficult contexts.
Banking Banking Manager.
Source: Ambito
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