{"id":1679,"date":"2025-09-13T22:23:09","date_gmt":"2025-09-13T22:23:09","guid":{"rendered":"https:\/\/vlac.ec\/?page_id=1679"},"modified":"2025-09-17T02:33:33","modified_gmt":"2025-09-17T02:33:33","slug":"blog-4","status":"publish","type":"page","link":"https:\/\/vlac.ec\/?page_id=1679","title":{"rendered":"BLOG 4"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1679\" class=\"elementor elementor-1679\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f36a53 e-flex e-con-boxed e-con e-parent\" data-id=\"8f36a53\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6cd59c elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a6cd59c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">EL AVAL\u00daO COMO CHEQUEO M\u00c9DICO DE LAS EMPRESAS: \u00bfLATE BIEN EL CORAZ\u00d3N FINANCIERO DE TU ORGANIZACI\u00d3N?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59c030c elementor-hidden-desktop e-flex e-con-boxed e-con e-parent\" data-id=\"59c030c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-089cc0a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"089cc0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En el mundo de los negocios, al igual que en la medicina, prevenir es mejor que curar. Y as\u00ed como una persona acude al m\u00e9dico para hacerse un chequeo general y saber si todo en su cuerpo funciona como debe, las empresas necesitan un aval\u00fao profesional para conocer el verdadero estado de salud de su patrimonio. Porque, seamos sinceros, no todo lo que brilla en los estados financieros es oro&#8230; a veces son activos obsoletos, inflados o que ya no generan valor.<\/p><p>En este art\u00edculo, te mostraremos c\u00f3mo un aval\u00fao funciona como ese electrocardiograma financiero que te dice si el coraz\u00f3n de tu empresa late al ritmo correcto, o si necesita atenci\u00f3n urgente. Bienvenido al mundo de los aval\u00faos empresariales desde una mirada pr\u00e1ctica, cercana y estrat\u00e9gica.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b781872 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"b781872\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"680\" height=\"408\" src=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOG-4-NOTI.webp\" class=\"attachment-1536x1536 size-1536x1536 wp-image-1844\" alt=\"\" srcset=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOG-4-NOTI.webp 680w, https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOG-4-NOTI-300x180.webp 300w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-808c569 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"808c569\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\uddec \u00bfQu\u00e9 es un aval\u00fao empresarial y por qu\u00e9 se parece a un chequeo m\u00e9dico?<\/p><p>Un aval\u00fao empresarial es un estudio t\u00e9cnico y financiero que determina el valor real de los activos de una organizaci\u00f3n: maquinaria, edificios, veh\u00edculos, tecnolog\u00eda, terrenos, marcas, etc. Es como una historia cl\u00ednica del patrimonio: detalla qu\u00e9 tienes, cu\u00e1nto vale realmente y qu\u00e9 tan funcional est\u00e1 para los objetivos de tu negocio.<\/p><p>Mientras que un chequeo m\u00e9dico eval\u00faa tus signos vitales (presi\u00f3n, colesterol, ritmo card\u00edaco), el aval\u00fao revisa el estado de tus activos: \u00bfsiguen generando valor? \u00bfest\u00e1n infrautilizados? \u00bfcu\u00e1l es su vida \u00fatil real? \u00bfnecesitan darse de baja? \u00bfest\u00e1n sobrevalorados?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-841b41e elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"841b41e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u2696\ufe0f El diagn\u00f3stico: contable, t\u00e9cnico y financiero<\/p><p>Un aval\u00fao no solo revisa \u201ccu\u00e1nto cost\u00f3\u201d un activo, sino cu\u00e1nto vale hoy, en funci\u00f3n de criterios como:<\/p><p>Valor razonable (NIIF 13), Valor de mercado, Valor de reposici\u00f3n, Valor residual o en uso, Vida \u00fatil remanente, Grado de obsolescencia o deterioro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6da4d67 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6da4d67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ad6ba68 e-con-full e-flex e-con e-child\" data-id=\"ad6ba68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28c15fd elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"28c15fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"680\" height=\"408\" src=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOG-4-NOTI.webp\" class=\"attachment-1536x1536 size-1536x1536 wp-image-1844\" alt=\"\" srcset=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOG-4-NOTI.webp 680w, https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOG-4-NOTI-300x180.webp 300w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74d6c9e e-con-full e-flex e-con e-child\" data-id=\"74d6c9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d75a551 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"d75a551\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En el mundo de los negocios, al igual que en la medicina, prevenir es mejor que curar. Y as\u00ed como una persona acude al m\u00e9dico para hacerse un chequeo general y saber si todo en su cuerpo funciona como debe, las empresas necesitan un aval\u00fao profesional para conocer el verdadero estado de salud de su patrimonio. Porque, seamos sinceros, no todo lo que brilla en los estados financieros es oro&#8230; a veces son activos obsoletos, inflados o que ya no generan valor.<\/p><p>En este art\u00edculo, te mostraremos c\u00f3mo un aval\u00fao funciona como ese electrocardiograma financiero que te dice si el coraz\u00f3n de tu empresa late al ritmo correcto, o si necesita atenci\u00f3n urgente. Bienvenido al mundo de los aval\u00faos empresariales desde una mirada pr\u00e1ctica, cercana y estrat\u00e9gica.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e08d74 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9e08d74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8da22e7 e-con-full e-flex e-con e-child\" data-id=\"8da22e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9685b elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"cf9685b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\uddec \u00bfQu\u00e9 es un aval\u00fao empresarial y por qu\u00e9 se parece a un chequeo m\u00e9dico?<\/p><p>Un aval\u00fao empresarial es un estudio t\u00e9cnico y financiero que determina el valor real de los activos de una organizaci\u00f3n: maquinaria, edificios, veh\u00edculos, tecnolog\u00eda, terrenos, marcas, etc. Es como una historia cl\u00ednica del patrimonio: detalla qu\u00e9 tienes, cu\u00e1nto vale realmente y qu\u00e9 tan funcional est\u00e1 para los objetivos de tu negocio.<\/p><p>\u00a0<\/p><p>Mientras que un chequeo m\u00e9dico eval\u00faa tus signos vitales (presi\u00f3n, colesterol, ritmo card\u00edaco), el aval\u00fao revisa el estado de tus activos: \u00bfsiguen generando valor? \u00bfest\u00e1n infrautilizados? \u00bfcu\u00e1l es su vida \u00fatil real? \u00bfnecesitan darse de baja? \u00bfest\u00e1n sobrevalorados?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b84e49 e-con-full e-flex e-con e-child\" data-id=\"0b84e49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4744246 e-con-full e-flex e-con e-child\" data-id=\"4744246\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-868d696 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"868d696\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/bannr5.webp\" class=\"attachment-large size-large wp-image-1898\" alt=\"\" srcset=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/bannr5.webp 600w, https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/bannr5-300x200.webp 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-870c26e elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"870c26e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6661fe9 e-con-full e-flex e-con e-child\" data-id=\"6661fe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea6ab93 elementor-widget elementor-widget-image\" data-id=\"ea6ab93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"600\" src=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOGRE.webp\" class=\"attachment-full size-full wp-image-1876\" alt=\"\" srcset=\"https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOGRE.webp 400w, https:\/\/vlac.ec\/wp-content\/uploads\/2025\/09\/BLOGRE-200x300.webp 200w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f04f35d e-con-full e-flex e-con e-child\" data-id=\"f04f35d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f7d89af e-con-full e-flex e-con e-child\" data-id=\"f7d89af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2c4258 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"c2c4258\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\uddec \u00bfQu\u00e9 es un aval\u00fao empresarial y por qu\u00e9 se parece a un chequeo m\u00e9dico?<\/p><p>Un aval\u00fao empresarial es un estudio t\u00e9cnico y financiero que determina el valor real de los activos de una organizaci\u00f3n: maquinaria, edificios, veh\u00edculos, tecnolog\u00eda, terrenos, marcas, etc. Es como una historia cl\u00ednica del patrimonio: detalla qu\u00e9 tienes, cu\u00e1nto vale realmente y qu\u00e9 tan funcional est\u00e1 para los objetivos de tu negocio.<\/p><p>Mientras que un chequeo m\u00e9dico eval\u00faa tus signos vitales (presi\u00f3n, colesterol, ritmo card\u00edaco), el aval\u00fao revisa el estado de tus activos: \u00bfsiguen generando valor? \u00bfest\u00e1n infrautilizados? \u00bfcu\u00e1l es su vida \u00fatil real? \u00bfnecesitan darse de baja? \u00bfest\u00e1n sobrevalorados?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eea9fdd elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"eea9fdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u2696\ufe0f El diagn\u00f3stico: contable, t\u00e9cnico y financiero<\/p><p>Un aval\u00fao no solo revisa \u201ccu\u00e1nto cost\u00f3\u201d un activo, sino cu\u00e1nto vale hoy, en funci\u00f3n de criterios como:<\/p><p>Valor razonable (NIIF 13), Valor de mercado, Valor de reposici\u00f3n, Valor residual o en uso, Vida \u00fatil remanente, Grado de obsolescencia o deterioro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-861fa48 e-flex e-con-boxed e-con e-parent\" data-id=\"861fa48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3aede1 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b3aede1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\ude7b \u00bfCu\u00e1les son los \u201cs\u00edntomas\u201d que detecta un aval\u00fao?<\/p><p>As\u00ed como el cuerpo humano muestra se\u00f1ales de alerta \u2014fiebre, dolor, fatiga\u2014, una empresa tambi\u00e9n presenta s\u00edntomas de deterioro financiero que muchas veces se ocultan detr\u00e1s de balances maquillados o falta de actualizaci\u00f3n contable. El aval\u00fao permite detectar:<\/p><p>\ud83e\ude78 1. Activos fantasmas<\/p><p>Equipos que aparecen en libros pero ya no existen, fueron dados de baja o nunca llegaron. Esto distorsiona el patrimonio real y puede generar problemas legales en auditor\u00edas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8a7798 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"b8a7798\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6b570a7 e-con-full e-flex e-con e-child\" data-id=\"6b570a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9cb6e1 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"d9cb6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\uddb4 2. Bienes obsoletos<\/p><p>Maquinaria que funciona, pero ya no tiene mercado ni soporte t\u00e9cnico, generando costos ocultos y bajo rendimiento operativo.<\/p><p>\ud83e\udde0 3. Infrautilizaci\u00f3n<\/p><p>Activos subutilizados que podr\u00edan venderse, alquilarse o redistribuirse. Detectar esto permite mejorar el uso del capital y liberar recursos.<\/p><p>\ud83d\udc8a 4. Sobrevaloraci\u00f3n<\/p><p>Activos que figuran con un valor mucho mayor al real. Esto puede inflar los estados financieros y dar una imagen falsa de solidez.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a23d73 e-con-full e-flex e-con e-child\" data-id=\"2a23d73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-82a1d2e e-con-full e-flex e-con e-child\" data-id=\"82a1d2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e77da1d elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"e77da1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\udec0 5. Desalineaci\u00f3n estrat\u00e9gica<\/p><p>\u00a0<\/p><p>Bienes que no est\u00e1n alineados con la visi\u00f3n de la empresa: por ejemplo, veh\u00edculos de lujo en empresas con enfoque social o maquinaria pesada en sectores que migran a lo digital.<\/p><p>\ud83e\uddea El aval\u00fao como prueba de laboratorio financiera<\/p><p>\u00a0<\/p><p>As\u00ed como el m\u00e9dico solicita an\u00e1lisis de sangre, im\u00e1genes y ex\u00e1menes de esfuerzo, el perito valuador aplica m\u00faltiples m\u00e9todos para valorar activos, seg\u00fan la normativa internacional NIIF y las condiciones del mercado ecuatoriano:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89599e1 e-flex e-con-boxed e-con e-parent\" data-id=\"89599e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37113d9 elementor-widget elementor-widget-text-editor\" data-id=\"37113d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udcdd Conclusi\u00f3n: no esperes a que duela<\/p><p>\u00a0<\/p><p>El aval\u00fao no es solo una exigencia contable o un tr\u00e1mite burocr\u00e1tico. Es una herramienta de diagn\u00f3stico empresarial que te ayuda a tomar decisiones con los ojos abiertos y el coraz\u00f3n financiero saludable. Al igual que en la medicina, un buen diagn\u00f3stico a tiempo puede salvar la vida\u2026 o al menos, el patrimonio.<\/p><p>\u00a0<\/p><p>As\u00ed que la pr\u00f3xima vez que te pregunten si tu empresa est\u00e1 en buena forma, no respondas con un \u201cyo creo que s\u00ed\u201d. Responde con un aval\u00fao en mano.<\/p><p>\u00a0<\/p><p>\u00bfQuieres saber m\u00e1s sobre c\u00f3mo implementar un aval\u00fao en tu organizaci\u00f3n? \u00bfBuscas un perito certificado en Ecuador que entienda tu sector? Cont\u00e1ctanos y agenda tu chequeo financiero.<\/p><p>\u00a0<\/p><p>\ud83e\udde0 Recuerda: la informaci\u00f3n es poder\u2026 pero la informaci\u00f3n verificada es estrategia.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-069be07 e-flex e-con-boxed e-con e-parent\" data-id=\"069be07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-454c6b6 elementor-share-buttons--view-icon elementor-share-buttons--shape-rounded elementor-share-buttons--skin-gradient elementor-grid-0 elementor-share-buttons--color-official elementor-invisible elementor-widget elementor-widget-share-buttons\" data-id=\"454c6b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;bounceIn&quot;}\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>EL AVAL\u00daO COMO CHEQUEO M\u00c9DICO DE LAS EMPRESAS: \u00bfLATE BIEN EL CORAZ\u00d3N FINANCIERO DE TU ORGANIZACI\u00d3N? En el mundo de los negocios, al igual que en la medicina, prevenir es mejor que curar. Y as\u00ed como una persona acude al m\u00e9dico para hacerse un chequeo general y saber si todo en su cuerpo funciona como [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-1679","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BLOG 4 | Vlac Ecuador<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vlac.ec\/?page_id=1679\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BLOG 4 | Vlac Ecuador\" \/>\n<meta property=\"og:description\" content=\"EL AVAL\u00daO COMO CHEQUEO M\u00c9DICO DE LAS EMPRESAS: \u00bfLATE BIEN EL CORAZ\u00d3N FINANCIERO DE TU ORGANIZACI\u00d3N? 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