With the decline in inflation, Argentine SMEs reconfigure their link with credit and investment: from urgency to planning.
June inflation was 1.6% and accumulated in the year a variation of 15.1%. While these data may seem lower compared to recent historical records, they represent a deep change in the rules of the game for Argentine companies. For the SMEsin particular, the sustained descent of inflation Redefine the rules of the game: It forces to review not only its prices, but also its way of thinking about financing and investment from a strategic logic.
For years, credit in Argentina worked as a defensive tool. Bread not only allowed to finance working capital or expansion projects, but also a strategy to cover itself against the constant loss of purchasing power. In an environment where real rates were negative, taking debt could be a rational decision to preserve value. Today, with inflation that slows down and positive real rates, that logic loses economic sense.
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Professionalization in financial decision making
The new context requires rethinking credit not as a refuge, but as an engine and re -linking it with its structural function: being a growth lever, productivity and efficiency. This implies another look on SME financial management. It is no longer just operating well; Now it is also necessary to plan financially, optimize resources and evaluate what to do with the funds available while waiting to be applied to production or investment.
In this new scenario, many companies are taking important steps towards more professionalized decision making. Evaluate financing alternatives according to real rates, deadlines, risk profile and business objectives begins to be part of the usual conversation. It is also to consider short -term investment instruments to administer surpluses with intelligence. Inflation fact, in this sense, not only relieves accounts, also enables greater predictability.
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New tools and a new logic to grow
In turn, tools are extended to accompany this process. Today the financial ecosystem offers greater variety of products, more access to information and greater capacity to design custom solutions. The challenge is not only to offer credit, but Help companies make good decisions: When, how much and for what.
In short, inflation no longer defines all movements and that changes much more than a rate: Change the approach. SMEs today have the opportunity to get out of urgency and enter a different, more planned stage, where credit is once again synonymous with development. Accompanying them in that transition is also part of Our responsibility.
Commercial Director of Mills Capital Group and Vice President of Mills SGR
Source: Ambito
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