According to the Competitiveness and Access to Financing ICAF 2025 Indicator, prepared by FinanCAME, at the beginning of 2025, 66.9% of Small and Medium-sized Enterprises (SMEs) had not managed to access any type of financing in the last few months. In this scenario, alternative non-banking models begin to consolidate, seeking to respond to the real needs of the productive fabric. Financing that includes fintech, factoring, and leasing grew by 84% year-on-year and today exceeds $11 trillion, according to data corroborated by the Argentine News Agency. Official surveys show that 50% of SMEs face difficult-to-meet requirements to finance themselves, while more than half are unaware of the alternatives available outside of bank credit. The lack of knowledge in the country about capital market tools exceeds 56%, a situation that is even more critical among entrepreneurs, where the lack of initial capital, macroeconomic uncertainty, and excessive requirements led to two-thirds being unable to finance themselves during the last half of 2025. This diagnosis coincides with the data from the Central Bank, which indicates that access to and intensity of credit continue to be the most critical points for business survival. Short terms, insufficient amounts, and bureaucratic processes continue to create a bottleneck that directly impacts the daily operations of SMEs. Credit complements to the financial system are emerging with more agile solutions aligned with the daily operations of companies. The model is based on a scoring system that evaluates the payer's solvency, which allows SMEs and suppliers to access conditions similar to those of large companies. In this way, companies can obtain liquidity in less than 24 hours, monetize only the necessary amount, and pay a rate only for the time effectively used. In addition, they can manage payments to third parties from the same platform, thus integrating their suppliers into an ecosystem where they access the same benefits. An alternative digital platform oriented to financing the working capital of SMEs and suppliers without resorting to traditional bank credit is RedMagister. Through a digital sub-wallet, the platform allows for monetizing accounts receivable (such as checks, invoices, purchase orders, or awarded contracts) on demand, without generating debt and without depending on the company's credit history. Augusto Ercole, CEO of RedMagister, described as the 'corporate wallet,' stated: 'Our model is based on understanding the real business flow: transforming sales into immediate liquidity and improving the conditions of the entire value chain.'
