Long-term, debt and equity financing, as well as liberal cash flow, can be the best options for working capital acquisition. However, not all of these options may be available to every business. There are many other options available for business owners to ensure cash flow management. Randall Castillo Ortega, the founder of SME backer RACO [...]
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The key to business restructuring is competitiveness. Usually, we relate restructuring of companies with serious crisis situations. However, the processes with which your company works must be constantly reviewed to vary everything that is not really competitive. Randall Castillo Ortega, the founder of SME lender RACO Investment in Costa Rica and Panama, provides expert insight [...]
Today, technology and digitalization have become essential tools for the survival of a company. As such, the financial sector has gone from traditional interaction and communication to being immersed in the process of regeneration and transformation that has achieved decisive changes. Randall Castillo Ortega, the founder of SME lender RACO Investment in Panama and Costa [...]
There are a number of circumstances that distinguish the failure or success of an SME during its first year. Many small and medium-sized businesses close in the first months of their journey due to a lack of adequate planning in the areas related to commercial or financial management. Both in the launch and expansion stages, [...]
Running a small business is rarely an easy task. Not only do you have a lot of things on your plate just trying to keep things running, but it can get harder when you're working to strengthen your business or create more business growth. However, the good news is that there are many things you [...]
Artificial intelligence (AI) in companies of any size is essential today. It is a mistake to think that it is only available to large multinationals. There are solutions of all kinds at affordable prices that have democratized access to machine learning and automation technologies. The emergence of COVID-19 has further accentuated this need. SMEs prepared [...]
It is proven in the world of marketing that sales on holidays are one of the best opportunities to sell more and attract attention, a pretty positive opportunity if advertisers and marketers know how to take advantage of it. Seasonal marketing is mostly a strategy that allows any marketing specialist to create direct marketing campaigns; [...]
The banking sector is looking for a way to take advantage of the experience acquired during the COVID-19 pandemic period to promote digital banking with the innovation that is allowing it to continue obtaining important technological progress and in terms of business models. However, not only have the circumstances of COVID-19 maintained a process of [...]
2021 has been a challenging year in every way: political, social and economic. All companies, no matter their size, were forced to transform and reinvent their ways of reaching the public in order to survive. There are several important eCommerce trends for 2022 and Randall Castillo Ortega, the founder of SME investor RACO Investment, explains [...]
Globally, around 20.8% of small businesses closed as a result of the COVID-19 pandemic. This reflects the importance of having financing plans to sustain the operations of small and medium-sized enterprises more effectively in complex contexts such as the one now. Randall Castillo Ortega, the founder of SME financing firm RACO Investment, discusses what small- [...]