The digital newspaper Valencia Plaza highlighted José Roca’s participation in Forinvest on financing models, titling with one of his statements: “The range of financiers is becoming fragmented.” The article reflects on the managing partner of Kaizen Consulting’s view on “the need for SMEs to open up to new financing methods beyond traditional banking. The scenario has changed completely: of the more than 60 Spanish financial institutions, only ten remain, and the consolidation process is not over. Ratings are worse than before the pandemic, ICO lines end in July, we are experiencing inflation, uncertainty in the evolution of raw materials, and rising costs.”
Valencia Plaza’s report emphasizes José Roca’s opinion on the need, especially for SMEs, to “make financial decisions and open up to new formulas because traditional ones are no longer sufficient. They must explore the many options available in both traditional and alternative banking.” In his opinion, “they need to seek advice to find tailored solutions. At Kaizen Consulting, we work with over 180 financiers: there is a whole universe of options that SMEs cannot possibly master. They need guidance to know which door to knock on and how to do it. Many companies perform excellently but have not properly documented their business plan: helping them with this facilitates their access to the liquidity needed to carry out their projects.”
Drawing from his experience at Kaizen Consulting, Roca values the existence of innovative financing methods, “such as selling any machine or asset of a company to generate liquidity. Leaseback or rentback offer this possibility and even allow incorporating inventory as collateral.” The fragmentation of financiers “increases the options available to small and medium-sized enterprises. The possibility of going public has now expanded and is not just an alternative for large companies, as well as the issuance of bonds and promissory notes.”
