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Startups y finanzas: cómo administrar tu empresa y no morir en el intento

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Imagen de Lucia Grzeskiewicz en Pixabay

Hace unos días comentábamos sobre lo importante que es para los emprendedores saber cuándo pedir ayuda. Destacamos el hecho de lo imprescindible que puede llegar a ser contemplar desde un inicio la contratación de personal externo para el manejo de la parte administrativa. Pero seamos honestos, ese es un lujo que en la vida real, no todas las startups están en capacidad de asumir. Por ello los miembros del equipo de fundadores tienen que asumir estas tareas. Del éxito de esta misión depende que el emprendimiento no muera en el intento.

 

Para aquellos a los que les toca empezar a sacar cuentas y cuadrar números sin que esta sea su especialidad, algunos consejos básicos:

 

Sí, es necesario

 

Muchos emprendedores, probablemente por pereza, compran muy barata la idea de que al inicio se puede pasar de las finanzas. Mala decisión. Si bien la prioridad será el producto que se va a comercializar, siempre es importante saber de cuanto dinero se dispone. Así esta cifra sea cero.

 

Cuidado con las líneas de crédito demasiado grandes

 

Sí, seguramente necesitas capital. Y los bancos y agencias crediticias verán en ti y en tu startup un cliente fácil. Pero recurrir a un crédito bancario para poner a caminar una empresa mucho antes de que esta genere su primeros centavos es uno de los ingredientes más comunes dentro de las recetas para el fracaso. 

 

Costos al mínimo

 

Todos soñamos con tener una oficina con una vista espectacular. En CDMX, por ejemplo, una de las metas es contar con grandes ventanales desde donde se pueda disfrutar de El Paseo de la Reforma o del Bosque de Chapultepec. Una ambición perfectamente legítima. Pero es un lujo que solo empresas consolidadas se pueden dar.

 

Deberes y derechos

 

Desde un inicio se debe tener esto en claro. Saber de qué beneficios se puede disfrutar mientras se es una startup. Lo mismo de cuáles son las responsabilidades a las que toca hacer frente cuando se empiece a facturar.

 

¿Prepararse para lo peor?

 

Es una visión lúgubre y hasta masoquista. Pero mientras el negocio esté lejos de generar dividendos, hay que estar preparado para no claudicar y llegar a la meta, aunque todo esté (aparentemente) en contra.


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Señales de que tu startup no marcha bien


Incluso, cuando todo marcha increíblemente bien, la empresa muestra un rito de crecimiento sostenido y ya se puede rentar una oficina en la mejor zona de negocios de la ciudad, siempre hay que estar preparado para los días de lluvia.

Startups

Brasil y Qualcomm escogen a Indicator Capital para administrar fondo IdC de US$30 millones

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Contxto – La compañía de capital de riesgo corporativo (CVC) Qualcomm y el Banco Nacional de Desarrollo Económico y Social (BNDES) de Brasil revelaron su interesante alianza en diciembre del año pasado. En ese entonces, anunciaron el lanzamiento de un fondo dirigido a startups brasileñas que trabajan con el Internet de las Cosas (IdC). Después, […]
The post Brasil y Qualcomm escogen a Indicator Capital para administrar fondo IdC de US$30 millones appeared first on Contxto.

Don’t worry, we speak : English (Inglés), too!

Contxto – La compañía de capital de riesgo corporativo (CVC) Qualcomm y el Banco Nacional de Desarrollo Económico y Social (BNDES) de Brasil revelaron su interesante alianza en diciembre del año pasado.

En ese entonces, anunciaron el lanzamiento de un fondo dirigido a startups brasileñas que trabajan con el Internet de las Cosas (IdC). Después, Qualcomm y el BNDES se sentaron a esperar ofertas de VC interesados en manejar el fondo por ellos. 

Los socios recientemente anunciaron que Indicator Capital administrará el fondo y supervisará los R$40 millones (~US$7.5 millones) que cada parte puso en el proyecto.

Indicator también tiene la tarea de atraer a otros inversionistas para que participen en el fondo IdC de modo que sume los R$16 millones (~US$30 millones).

Las partes esperan desembolsar los fondos durante un período de 10 años en por lo menos 14 startups.

Porqué es importante: son este tipo de alianzas entre entidades públicas y privadas las que a largo plazo refuerzan aún más al ecosistema de startups más sólido de América Latina.

Asimismo, considerando la importancia que la tecnología del IdC está ganando para la era post covid, un fondo especializado como este pone a Brasil en una mejor posición para tomar la delantera.

¡Información exclusiva, data y análisis semanales sobre el ecosistema tecnológico de Latam directo a tu correo!


Startups IdC en Brasil

Para Filipe Borsato, director de inversiones del fondo en BNDES, todos estos acontecimientos ilustran las capacidades de Brasil en lo que respecta a la tecnología IdC. 

“El fondo, cuya tesis se basa en estudios realizados en asociación con el Ministerio de Ciencia, Tecnología e Innovación (MCTI), ya nació con un inversionista privado con una presencia internacional (Qualcomm), demostrando el potencial del IdC en Brasil”, dice Borsato.

Además, para el BNDES, poner los fondos en manos de un tercero abrirá una oportunidad autosostenible para las startups de IdC.

“Esperamos que Indicator Capital atraiga a otros inversionistas privados, incluyendo el modelo de corporate venture, catalizando un ciclo virtuoso de inversión en compañías pequeñas que se basan en tecnología”, concluye Borsato.

Artículos relacionados: ¡Tecnología y startups de Brasil! 

-ML

Traducido por Alejandra Rodríguez

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Startups

Payfazz gets $53 million to give more Indonesians access to financial services

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Indonesia is not only Southeast Asia’s most populated country, but also one of the world’s fastest-growing economies. But many people, especially outside of major cities, still lack access to basic financial services like bank accounts. Payfazz is one of several tech startups focused on solving that problem by finding innovative ways to give more Indonesians access to financial services. The company announced today that it has raised a $53 million Series B led by B Capital and Insignia Ventures Partners.

Previous investors, including Tiger Global, Y Combinator and ACE & Company, also returned for the round. New backers include strategic investor BRI Ventures, the venture arm of BRI, one of Indonesia’s largest banks. Payfazz’s last round of funding was a $21 million Series A announced in September 2018, led by Tiger Global. Its total raised to date is now more than $74 million.

Founded in 2016 by Hendra Kwik, Jefriyanto and Ricky Winata, Payfazz is an alum of Y Combinator’s accelerator program.

There is a growing list of Indonesian financial tech startups, including Modalku, KoinWorks and Kredivo, that focus on consumer and small business financing, while larger and more diversified tech companies like Gojek and Grab are working their own online payment tools and other services. Payfazz differentiates with a portfolio of mobile services that make it easier for Indonesians to handle routine financial tasks, including bill payments and loans, even if they live in rural areas without banks. The company says it currently serves 10 million monthly active users, and plans to expand its offerings to include more digital financial products.

The company uses a network of financial agents to reach customers because many banks don’t open branches in rural areas, Kwik told TechCrunch. “Due to high fixed costs, traditional banks find it economical to operate only in cities and urban areas with high density and foot traffic,” he said. “This leaves a huge unfulfilled and underserved banking need in rural areas where banking access is very difficult.”

Payfazz’s network currently includes about 250,000 agents, most of whom are located in small stores. Users deposit cash with the agents, who serve as go-betweens with banks. This allows Payfazz’s users to have a balance they can use to pay phone, electricity and other bills. Payfazz also recently launched loans and payments for offline retailers.

Kwik said Payfazz built an agent network because even though smartphone penetration is high in Indonesia, many people haven’t used direct digital banking services before, so talking to a Payfazz agent helps familiarize them with the process. Since most of its agents are based out of warung or kirana stores, or neighborhood shops that sell food and other necessities, they are easier for people in rural areas and small towns to access than banks, ATM machines or convenience store chains.

“Our agents are small businesses and people who have lots of traffic from rural areas’ populations in their places. It can be warung and kirana stores, telco stores, small restaurants or even someone’s house,” Kwik said. “They are the perfect profile to become our agents because they’re ubiquitously distributed and have high coverage in rural areas.”

He added that Payfazz also gives agents an opportunity to earn extra income. Payfazz takes a 0.5% to 1% commission on every transaction, and agents are allowed to set the margins they charge customers for transactions, usually between 5% to 9%. Before signing on an agent, Payfazz screens them using KYC (“know your customer”) and verification technology to gauge trustiworthiness, traffic and sales potential.

While Grab Financial and other Southeast Asian fintech companies may eventually become Payfazz’s competitors, Kwik said he currently sees them as potential partners.

“The reason is simply because most of these providers still focus their market and resources in the cities and urban areas, like many of the traditional banks. Meanwhile Payfazz focuses all its market and resources in rural areas,” he added. “Payfazz can help other banks and financial service providers to expand their reach to rural areas and capture hundreds of millions of users and billions of dollars of revenue opportunity there.”

In a statement about the funding, Insignia Ventures founding managing partner Yinglan Tan said “We have been privileged to have supported Payfazz since their early days. We believe that this path to taking their fintech ecosystem from Indonesia to the rest of the region will meet the pressing needs of many more of Southeast Asia’s digital consumers, and are excited to see how Hendra and the Payfazz team will build on top of the portfolio of services that millions of Indonesians are already using.”

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Startups

Uber reportedly agrees to acquire Postmates for $2.65 billion

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Uber has reportedly agreed to buy Postmates in an all-stock deal worth $2.65 billion. According to Bloomberg, the deal may be announced on Monday morning.

Like other travel- and transportation-related businesses, Uber’s ride-hailing segment has been negatively impacted by the COVID-19 pandemic, due to shelter-in-place orders throughout the United States. On-demand delivery, however, has grown, with people relying on services like Uber Eats to get food without leaving their homes. According to its last earnings report, Uber’s ride-hailing gross bookings dropped, but its food delivery service saw gross sales growth of 54% during its first fiscal quarter.

According to previous reports, Uber made an offer to buy Grubhub, another on-demand delivery service, earlier this year, but after that deal fell through, it approached Postmates. Bloomberg reports that Uber and Postmates have actually talked on and off for about four years, but negotiations became more intense about a week ago.

Grubhub ended up being acquired by Just Eat Takeway in a deal worth $7.3 billion after its negotiations with Uber stalled.

With a valuation of $2.4 billion, Postmates is a smaller company than Grubhub. The company filed to go public in February 2019, but decided to hold off because of “choppy market” conditions.

If the deal goes through, the main competitors in the American food delivery market would be Uber Eats/Postmates versus Grubhub/Takeaway versus DoorDash.

In other countries, companies like Grab have also begun building out their on-demand delivery services to make up for losses from fewer ride-hailing bookings. For example, Grab responded to stay-at-home orders in Indonesia (its main market) and other Southeast Asian countries by re-deploying ride-hailing drivers to on-demand deliveries for food and essential items.

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