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trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[98,99,100],{"path":96,"name":25,"lang":37,"published":25},{"path":96,"name":25,"lang":39,"published":25},{"path":96,"name":25,"lang":32,"published":25},[102],{"name":103,"created_at":104,"published_at":105,"updated_at":106,"id":107,"uuid":108,"content":109,"slug":117,"full_slug":118,"sort_by_date":25,"position":119,"tag_list":120,"is_startpage":28,"parent_id":121,"meta_data":25,"group_id":122,"first_published_at":123,"release_id":25,"lang":32,"path":25,"alternates":124,"default_full_slug":125,"translated_slugs":126,"_stopResolving":41},"Gastos","2023-04-12T07:13:25.147Z","2026-09-29T09:14:30.371Z","2026-09-29T09:14:30.391Z",290525525,"06802810-57db-474a-ae2f-e0f002cb19bf",{"seo":110,"_uid":116,"name":103,"component":22},[111],{"_uid":112,"noIndex":28,"component":53,"metaFields":113},"edf2f01f-4837-4ef4-af56-900fde506af8",{"_uid":114,"plugin":57,"description":115},"7697f8f4-bbcc-4fd3-8454-4aef515b0433","Gestion de gastos de empresa: como registrar, aprobar y controlar los gastos del dia a dia con mas visibilidad.","a2c58a16-f495-475f-951f-05171468aae4","gastos","es/blog/topic/gastos",-530,[],176456153,"64c72f54-59b5-40c2-acfd-1ce316754792","2022-11-02T15:24:39.815Z",[],"blog/topic/gastos",[127,128,129],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},{"type":78,"attrs":131,"content":132},{"backgroundColor":25},[133,138,144,150,163,166,173,179,185,191,197,212,217,223,229,350,356,370,376,390,404,409,422,427,432,437,450,455,460,465,470,576,589,602,622,635,640,645,650,700,706,739,745,759,772,777,783,828,834,840],{"type":81,"attrs":134,"content":135},{"textAlign":25,"key":83},[136],{"text":137,"type":87},"La cuenta de resultados cierra con beneficio, pero el saldo bancario baja cada mes. Si eres director administrativo y financiero (DAF) o controller, conoces la escena. El viernes sale la remesa SEPA a proveedores y las facturas pendientes de cobro siguen sin cobrarse.",{"type":81,"attrs":139,"content":141},{"textAlign":25,"key":140},"p-1",[142],{"text":143,"type":87},"El problema es de calendario: tus clientes pagan más tarde de lo que tú pagas. El periodo medio de pago (PMP) y el periodo medio de cobro (PMC) son dos mitades de esa pregunta. La lectura PMP vs PMC indica quién financia a quién.",{"type":81,"attrs":145,"content":147},{"textAlign":25,"key":146},"p-2",[148],{"text":149,"type":87},"Verás en qué se diferencian, cómo calcularlos, cuánto vale la brecha en euros, cómo interpretarla, qué palancas tienes y cómo revisarlos cada mes.",{"type":151,"attrs":152},"blok",{"id":153,"body":154},"fc265c96-97e6-4d7a-9fbc-d09b4dbbb9ed",[155],{"_uid":156,"text":157,"color":158,"title":159,"backCtas":160,"backMedia":161,"component":162},"i-b0425505-8753-4e40-b322-4f3f0625478f","- El PMC mide cuánto tardas en cobrar y el PMP cuánto tardas en pagar; solo juntos explican tu liquidez.\n- Calcula ambos con volúmenes con IVA, en el mismo periodo y con la misma base de días.\n- El ciclo de conversión de caja (PMI + PMC − PMP) convierte la brecha en una necesidad de financiación en euros.\n- Un PMP mayor que el PMC solo es sano si cada pago sale dentro del plazo pactado, con un máximo legal de 60 días.\n- Cobrar antes, pagar en la fecha pactada y revisar ambos indicadores cada mes mantiene controlada la brecha.","purple","Puntos Clave",[],[],"callout",{"type":81,"attrs":164},{"textAlign":25,"key":165},"p-3",{"type":167,"attrs":168,"content":170},"heading",{"level":169,"textAlign":25},2,[171],{"text":172,"type":87},"PMP vs PMC, dos plazos que miden lados opuestos de la tesorería",{"type":81,"attrs":174,"content":176},{"textAlign":25,"key":175},"p-4",[177],{"text":178,"type":87},"El periodo medio de cobro mide los días que tardas de media en cobrar una factura desde que la emites. El periodo medio de pago a proveedores mide los días que tardas en pagar desde que recibes la factura o la mercancía. Uno es dinero que te deben; el otro, dinero que debes, y juntos indican quién financia tu ciclo operativo.",{"type":81,"attrs":180,"content":182},{"textAlign":25,"key":181},"p-5",[183],{"text":184,"type":87},"En inglés, el PMC se conoce como DSO (days sales outstanding) y el PMP como DPO (days payable outstanding). Un PMC de 70 días es razonable si pagas a 75 y preocupante si pagas a 30.",{"type":81,"attrs":186,"content":188},{"textAlign":25,"key":187},"p-6",[189],{"text":190,"type":87},"La diferencia entre PMP y PMC convierte dos plazos en una lectura de liquidez. Se analiza de dos formas: la brecha en días (PMC − PMP) y el ciclo de conversión de caja, que añade las existencias.",{"type":81,"attrs":192,"content":194},{"textAlign":25,"key":193},"p-7",[195],{"text":196,"type":87},"El controller de una distribuidora alimentaria de 120 empleados lo comprobó en un cierre trimestral. El PMC había bajado cinco días gracias a una campaña de recordatorios.",{"type":81,"attrs":198,"content":200},{"textAlign":25,"key":199},"p-8",[201,203,210],{"text":202,"type":87},"En el mismo trimestre, el PMP cayó ocho días porque ",{"text":204,"type":87,"marks":205},"cuentas a pagar",[206],{"type":207,"attrs":208},"link",{"href":209,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":211,"type":87}," adelantó pagos para captar un descuento. El ciclo se alargó tres días y la posición de caja empeoró.",{"type":167,"attrs":213,"content":214},{"level":169,"textAlign":25},[215],{"text":216,"type":87},"Cómo calcular el periodo medio de cobro y el de pago con criterios coherentes",{"type":81,"attrs":218,"content":220},{"textAlign":25,"key":219},"p-9",[221],{"text":222,"type":87},"Los dos indicadores siguen la misma lógica: saldo medio pendiente entre volumen anual, multiplicado por los días del año. El saldo medio es (saldo inicial + saldo final) / 2. El plazo medio de cobro es el mismo PMC con otro nombre.",{"type":81,"attrs":224,"content":226},{"textAlign":25,"key":225},"p-10",[227],{"text":228,"type":87},"Aplicadas a un fabricante de mobiliario de oficina, las fórmulas dan este resultado:",{"type":230,"content":231},"table",[232,273,312],{"type":233,"content":234},"tableRow",[235,246,255,264],{"type":236,"attrs":237,"content":239},"tableHeader",{"colspan":238,"rowspan":238,"colwidth":25},1,[240],{"type":81,"attrs":241,"content":243},{"textAlign":25,"key":242},"p-11",[244],{"text":245,"type":87},"Indicador",{"type":236,"attrs":247,"content":248},{"colspan":238,"rowspan":238,"colwidth":25},[249],{"type":81,"attrs":250,"content":252},{"textAlign":25,"key":251},"p-12",[253],{"text":254,"type":87},"Fórmula",{"type":236,"attrs":256,"content":257},{"colspan":238,"rowspan":238,"colwidth":25},[258],{"type":81,"attrs":259,"content":261},{"textAlign":25,"key":260},"p-13",[262],{"text":263,"type":87},"Datos del fabricante",{"type":236,"attrs":265,"content":266},{"colspan":238,"rowspan":238,"colwidth":25},[267],{"type":81,"attrs":268,"content":270},{"textAlign":25,"key":269},"p-14",[271],{"text":272,"type":87},"Resultado",{"type":233,"content":274},[275,285,294,303],{"type":276,"attrs":277,"content":278},"tableCell",{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[279],{"type":81,"attrs":280,"content":282},{"textAlign":25,"key":281},"p-15",[283],{"text":284,"type":87},"PMC",{"type":276,"attrs":286,"content":287},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[288],{"type":81,"attrs":289,"content":291},{"textAlign":25,"key":290},"p-16",[292],{"text":293,"type":87},"(saldo medio de clientes / ventas anuales con IVA) × 365",{"type":276,"attrs":295,"content":296},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[297],{"type":81,"attrs":298,"content":300},{"textAlign":25,"key":299},"p-17",[301],{"text":302,"type":87},"920.000 € / 4.800.000 € × 365",{"type":276,"attrs":304,"content":305},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[306],{"type":81,"attrs":307,"content":309},{"textAlign":25,"key":308},"p-18",[310],{"text":311,"type":87},"≈ 70 días",{"type":233,"content":313},[314,323,332,341],{"type":276,"attrs":315,"content":316},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[317],{"type":81,"attrs":318,"content":320},{"textAlign":25,"key":319},"p-19",[321],{"text":322,"type":87},"PMP",{"type":276,"attrs":324,"content":325},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[326],{"type":81,"attrs":327,"content":329},{"textAlign":25,"key":328},"p-20",[330],{"text":331,"type":87},"(saldo medio de proveedores / compras anuales con IVA) × 365",{"type":276,"attrs":333,"content":334},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[335],{"type":81,"attrs":336,"content":338},{"textAlign":25,"key":337},"p-21",[339],{"text":340,"type":87},"370.000 € / 3.000.000 € × 365",{"type":276,"attrs":342,"content":343},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[344],{"type":81,"attrs":345,"content":347},{"textAlign":25,"key":346},"p-22",[348],{"text":349,"type":87},"≈ 45 días",{"type":81,"attrs":351,"content":353},{"textAlign":25,"key":352},"p-23",[354],{"text":355,"type":87},"Un error habitual está en el IVA. Los saldos de clientes y proveedores lo incluyen, pero las ventas y compras de la cuenta de resultados no. Usa ventas y compras con IVA, o quita el IVA de los dos lados.",{"type":81,"attrs":357,"content":359},{"textAlign":25,"key":358},"p-24",[360,362,368],{"text":361,"type":87},"Con un ",{"text":363,"type":87,"marks":364},"21% de IVA",[365],{"type":207,"attrs":366},{"href":367,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://sede.agenciatributaria.gob.es/Sede/iva/calculo-iva-repercutido-clientes/tipos-impositivos-iva.html",{"text":369,"type":87}," en todas las ventas, mezclar saldo con IVA y ventas sin IVA eleva el PMC del fabricante a unos 85 días. Son 15 días ficticios.",{"type":81,"attrs":371,"content":373},{"textAlign":25,"key":372},"p-25",[374],{"text":375,"type":87},"Saldo y volumen deben corresponder además al mismo periodo, y los dos indicadores deben usar la misma base de días, 365 o 360.",{"type":81,"attrs":377,"content":379},{"textAlign":25,"key":378},"p-26",[380,382,388],{"text":381,"type":87},"Esta cifra de gestión no coincidirá, en general, con el PMP que publicas en la memoria. En el modelo normal de memoria, ese PMP sigue el método por operaciones de la ",{"text":383,"type":87,"marks":384},"Resolución del Instituto de Contabilidad y Auditoría de Cuentas (ICAC) de 29 de enero de 2016",[385],{"type":207,"attrs":386},{"href":387,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.boe.es/buscar/doc.php?id=BOE-A-2016-1112",{"text":389,"type":87},".",{"type":81,"attrs":391,"content":393},{"textAlign":25,"key":392},"p-27",[394,396,402],{"text":395,"type":87},"Las empresas con memoria abreviada o que aplican el Plan General de Contabilidad de Pymes usan una fórmula simplificada basada en saldos: saldo medio de acreedores comerciales / (compras netas + gastos por servicios exteriores) × 365 (artículo 5.5 de la misma resolución). La ",{"text":397,"type":87,"marks":398},"guía de cálculo del periodo medio de pago a proveedores",[399],{"type":207,"attrs":400},{"href":401,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/calculo-periodo-medio-pago-proveedores/",{"text":403,"type":87}," amplía el cálculo del PMP para la memoria.",{"type":167,"attrs":405,"content":406},{"level":169,"textAlign":25},[407],{"text":408,"type":87},"El ciclo de conversión de caja traduce la diferencia en euros",{"type":81,"attrs":410,"content":411},{"textAlign":25,"key":83},[412,414,420],{"text":413,"type":87},"El ciclo de conversión de caja mide cuántos días pasan entre el pago a proveedores y el cobro a clientes. Se calcula sumando el periodo medio de inventario (PMI) y el PMC, y restando el PMP. Es la fórmula clásica del ",{"text":415,"type":87,"marks":416},"ciclo de caja",[417],{"type":207,"attrs":418},{"href":419,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.financlick.es/ratios-de-actividad-que-son-formulas-interpretacion-y-analisis-del-ciclo-financiero-n-458-es",{"text":421,"type":87}," en el análisis de estados financieros.",{"type":81,"attrs":423,"content":424},{"textAlign":25,"key":140},[425],{"text":426,"type":87},"El PMI son los días que la mercancía permanece en almacén. En el fabricante de mobiliario, con un PMI de 30 días, el ciclo es 30 + 70 − 45 = 55 días. Durante esos 55 días, la empresa sostiene la operación con recursos propios o con deuda.",{"type":81,"attrs":428,"content":429},{"textAlign":25,"key":146},[430],{"text":431,"type":87},"Cada día de PMC equivale a unos 13.150 € (4.800.000 € / 365), y cada día de PMP, a unos 8.220 € (3.000.000 € / 365). Reducir el PMC en 10 días libera unos 131.500 € de caja.",{"type":81,"attrs":433,"content":434},{"textAlign":25,"key":165},[435],{"text":436,"type":87},"Alargar el PMP 10 días, dentro del plazo pactado, aportaría unos 82.200 €. En una empresa que vende más de lo que compra, cada día de cobro pesa más que cada día de pago.",{"type":81,"attrs":438,"content":439},{"textAlign":25,"key":175},[440,442,448],{"text":441,"type":87},"Este ciclo es lo que presiona el ",{"text":443,"type":87,"marks":444},"capital circulante",[445],{"type":207,"attrs":446},{"href":447,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/flujo-de-caja/",{"text":449,"type":87},". Cuanto más largo, más fondo de maniobra necesitas para sostener la misma facturación.",{"type":81,"attrs":451,"content":452},{"textAlign":25,"key":181},[453],{"text":454,"type":87},"En una empresa de servicios sin existencias, el ciclo se reduce a PMC − PMP. Si sale negativo, como en el comercio minorista o en las suscripciones cobradas por adelantado, son los clientes quienes financian la operación.",{"type":81,"attrs":456,"content":457},{"textAlign":25,"key":187},[458],{"text":459,"type":87},"La responsable de tesorería usa esos 55 días, y lo que vale cada uno, para dimensionar la póliza de crédito antes de renovarla.",{"type":167,"attrs":461,"content":462},{"level":169,"textAlign":25},[463],{"text":464,"type":87},"Lo que revela cada combinación de PMP y PMC",{"type":81,"attrs":466,"content":467},{"textAlign":25,"key":193},[468],{"text":469,"type":87},"Un PMP mayor que el PMC solo es buena señal si los pagos salen en plazo. La misma brecha puede reflejar una financiación sana o un retraso sistemático.",{"type":230,"content":471},[472,498,524,550],{"type":233,"content":473},[474,482,490],{"type":236,"attrs":475,"content":476},{"colspan":238,"rowspan":238,"colwidth":25},[477],{"type":81,"attrs":478,"content":479},{"textAlign":25,"key":199},[480],{"text":481,"type":87},"Situación",{"type":236,"attrs":483,"content":484},{"colspan":238,"rowspan":238,"colwidth":25},[485],{"type":81,"attrs":486,"content":487},{"textAlign":25,"key":219},[488],{"text":489,"type":87},"Qué significa",{"type":236,"attrs":491,"content":492},{"colspan":238,"rowspan":238,"colwidth":25},[493],{"type":81,"attrs":494,"content":495},{"textAlign":25,"key":225},[496],{"text":497,"type":87},"Qué vigilar",{"type":233,"content":499},[500,508,516],{"type":276,"attrs":501,"content":502},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[503],{"type":81,"attrs":504,"content":505},{"textAlign":25,"key":242},[506],{"text":507,"type":87},"PMC menor que PMP, con pagos dentro de plazo",{"type":276,"attrs":509,"content":510},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[511],{"type":81,"attrs":512,"content":513},{"textAlign":25,"key":251},[514],{"text":515,"type":87},"Los proveedores financian parte del ciclo de forma legítima",{"type":276,"attrs":517,"content":518},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[519],{"type":81,"attrs":520,"content":521},{"textAlign":25,"key":260},[522],{"text":523,"type":87},"Que el PMP no se acerque al máximo legal",{"type":233,"content":525},[526,534,542],{"type":276,"attrs":527,"content":528},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[529],{"type":81,"attrs":530,"content":531},{"textAlign":25,"key":269},[532],{"text":533,"type":87},"PMC menor que PMP porque pagas fuera de plazo",{"type":276,"attrs":535,"content":536},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[537],{"type":81,"attrs":538,"content":539},{"textAlign":25,"key":281},[540],{"text":541,"type":87},"La brecha favorable se apoya en retrasos",{"type":276,"attrs":543,"content":544},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[545],{"type":81,"attrs":546,"content":547},{"textAlign":25,"key":290},[548],{"text":549,"type":87},"Relación con proveedores, intereses de demora y cumplimiento",{"type":233,"content":551},[552,560,568],{"type":276,"attrs":553,"content":554},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[555],{"type":81,"attrs":556,"content":557},{"textAlign":25,"key":299},[558],{"text":559,"type":87},"PMC mayor que PMP",{"type":276,"attrs":561,"content":562},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[563],{"type":81,"attrs":564,"content":565},{"textAlign":25,"key":308},[566],{"text":567,"type":87},"La empresa financia a sus clientes",{"type":276,"attrs":569,"content":570},{"colspan":238,"rowspan":238,"colwidth":25,"backgroundColor":25},[571],{"type":81,"attrs":572,"content":573},{"textAlign":25,"key":319},[574],{"text":575,"type":87},"Póliza de crédito suficiente y cobros más rápidos",{"type":81,"attrs":577,"content":578},{"textAlign":25,"key":328},[579,581,587],{"text":580,"type":87},"La ley de morosidad, la ",{"text":582,"type":87,"marks":583},"Ley 3/2004 según su texto consolidado en el BOE",[584],{"type":207,"attrs":585},{"href":586,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.boe.es/buscar/act.php?id=BOE-A-2004-21830",{"text":588,"type":87},", fija un plazo de pago de 30 días naturales por defecto. Las partes pueden pactar uno más largo, con un máximo de 60 días naturales. Estirar el PMP tiene, por tanto, un techo.",{"type":81,"attrs":590,"content":591},{"textAlign":25,"key":337},[592,594,600],{"text":593,"type":87},"Según la encuesta recogida en el ",{"text":595,"type":87,"marks":596},"informe de la Plataforma Multisectorial contra la Morosidad (PMcM) sobre 2025",[597],{"type":207,"attrs":598},{"href":599,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://pmcm.es/wp-content/uploads/2026/04/Informe-Morosidad-2025_PMcM-VF.pdf",{"text":601,"type":87},", el plazo medio de pago del sector privado fue de 67 días. Esa media supera el máximo legal.",{"type":81,"attrs":603,"content":604},{"textAlign":25,"key":346},[605,607,613,615,621],{"text":606,"type":87},"La Ley 18/2022 Crea y Crece modificó además la ",{"text":608,"type":87,"marks":609},"Ley General de Subvenciones",[610],{"type":207,"attrs":611},{"href":612,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.boe.es/buscar/act.php?id=BOE-A-2003-20977",{"text":614,"type":87},". Una empresa que pide una subvención de más de 30.000 € debe cumplir los plazos de la Ley 3/2004. Se considera que cumple si ",{"text":616,"type":87,"marks":617},"al menos el 90% de sus pagos a proveedores se hicieron en plazo",[618],{"type":207,"attrs":619},{"href":620,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.boe.es/buscar/act.php?id=BOE-A-2022-15818",{"text":389,"type":87},{"type":81,"attrs":623,"content":624},{"textAlign":25,"key":352},[625,627,633],{"text":626,"type":87},"El DAF de una pyme industrial con un PMP de 62 días y un PMC de 50 daba por sana su brecha. Al preparar una ",{"text":628,"type":87,"marks":629},"solicitud de subvención",[630],{"type":207,"attrs":631},{"href":632,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/morosidad-facturacion-electronica-b2b/",{"text":634,"type":87},", descubrió que uno de cada cinco pagos a proveedores había salido tarde. Con un 80% de pagos en plazo, quedaba por debajo del 90% exigido.",{"type":81,"attrs":636,"content":637},{"textAlign":25,"key":358},[638],{"text":639,"type":87},"La media ocultaba el problema: una quinta parte de los pagos salía a unos 90 días y el resto, a unos 55.",{"type":167,"attrs":641,"content":642},{"level":169,"textAlign":25},[643],{"text":644,"type":87},"Palancas operativas para cobrar antes y pagar en la fecha pactada",{"type":81,"attrs":646,"content":647},{"textAlign":25,"key":372},[648],{"text":649,"type":87},"En el lado de clientes, la gestión de cobros mejora con rutinas que se aplican factura a factura:",{"type":651,"content":652},"bullet_list",[653,661,668,676,684,692],{"type":654,"content":655},"list_item",[656],{"type":81,"attrs":657,"content":658},{"textAlign":25,"key":378},[659],{"text":660,"type":87},"Factura el mismo día de la entrega o del hito pactado.",{"type":654,"content":662},[663],{"type":81,"attrs":664,"content":665},{"textAlign":25,"key":392},[666],{"text":667,"type":87},"Fija en el contrato el plazo, el medio de pago y el vencimiento.",{"type":654,"content":669},[670],{"type":81,"attrs":671,"content":673},{"textAlign":25,"key":672},"p-28",[674],{"text":675,"type":87},"Envía recordatorios automáticos antes del vencimiento.",{"type":654,"content":677},[678],{"type":81,"attrs":679,"content":681},{"textAlign":25,"key":680},"p-29",[682],{"text":683,"type":87},"Asigna un responsable a cada incidencia para que una disputa no bloquee el cobro.",{"type":654,"content":685},[686],{"type":81,"attrs":687,"content":689},{"textAlign":25,"key":688},"p-30",[690],{"text":691,"type":87},"Segmenta a tus 10 principales clientes por PMC y revisa sus condiciones.",{"type":654,"content":693},[694],{"type":81,"attrs":695,"content":697},{"textAlign":25,"key":696},"p-31",[698],{"text":699,"type":87},"Propón la domiciliación por adeudo directo SEPA a los clientes recurrentes.",{"type":81,"attrs":701,"content":703},{"textAlign":25,"key":702},"p-32",[704],{"text":705,"type":87},"En el lado de proveedores, el objetivo es negociar plazos de pago razonables y cumplirlos en la fecha acordada:",{"type":651,"content":707},[708,716,724],{"type":654,"content":709},[710],{"type":81,"attrs":711,"content":713},{"textAlign":25,"key":712},"p-33",[714],{"text":715,"type":87},"Pacta plazos dentro del máximo legal en lugar de retrasar pagos.",{"type":654,"content":717},[718],{"type":81,"attrs":719,"content":721},{"textAlign":25,"key":720},"p-34",[722],{"text":723,"type":87},"Paga en la fecha de vencimiento, salvo que un descuento por pronto pago compense los días que adelantas.",{"type":654,"content":725},[726],{"type":81,"attrs":727,"content":729},{"textAlign":25,"key":728},"p-35",[730,732,738],{"text":731,"type":87},"Elimina los ",{"text":733,"type":87,"marks":734},"cuellos de botella en la aprobación de facturas",[735],{"type":207,"attrs":736},{"href":737,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/matriz-de-aprobaciones/",{"text":389,"type":87},{"type":81,"attrs":740,"content":742},{"textAlign":25,"key":741},"p-36",[743],{"text":744,"type":87},"El pago anticipado acorta el PMP y alarga el ciclo. Antes de aceptar un pronto pago, compara el descuento con lo que te costaría financiar esos días con tu póliza.",{"type":81,"attrs":746,"content":748},{"textAlign":25,"key":747},"p-37",[749,751,757],{"text":750,"type":87},"Una factura de un proveedor de transporte pasa 12 días en la bandeja del responsable de presupuesto. Cuando el proveedor llama, cuentas a pagar la abona por transferencia urgente, fuera de la ",{"text":752,"type":87,"marks":753},"remesa semanal",[754],{"type":207,"attrs":755},{"href":756,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/remesa-bancaria-pagos-sepa/",{"text":758,"type":87},". Ese patrón genera pagos tarde o con prisa, y ambos distorsionan el PMP.",{"type":81,"attrs":760,"content":762},{"textAlign":25,"key":761},"p-38",[763,765,770],{"text":764,"type":87},"La solución es que cada factura entre desde el primer día en un circuito con responsables y fechas. Una herramienta de cuentas a pagar como ",{"text":43,"type":87,"marks":766},[767],{"type":207,"attrs":768},{"href":769,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/product/accounts-payable/",{"text":771,"type":87}," captura las facturas con OCR y las envía por flujos de aprobación según departamento o importe. Después programa el pago SEPA para la fecha de vencimiento, y así el PMP refleja el plazo pactado con cada proveedor.",{"type":167,"attrs":773,"content":774},{"level":169,"textAlign":25},[775],{"text":776,"type":87},"Una revisión mensual que une cobros, pagos y previsión de tesorería",{"type":81,"attrs":778,"content":780},{"textAlign":25,"key":779},"p-39",[781],{"text":782,"type":87},"Analizarlos juntos significa usar el mismo criterio y la misma fecha, y llevar la brecha a la previsión de tesorería. Una rutina mensual de cuatro pasos cubre lo esencial:",{"type":784,"attrs":785,"content":787},"ordered_list",{"order":238,"key":786},"ol-0",[788,804,812,820],{"type":654,"content":789},[790],{"type":81,"attrs":791,"content":793},{"textAlign":25,"key":792},"p-40",[794,796,802],{"text":795,"type":87},"Calcula ambos indicadores el mismo día, ",{"text":797,"type":87,"marks":798},"tras el cierre mensual",[799],{"type":207,"attrs":800},{"href":801,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":803,"type":87},", y sigue su tendencia durante 12 meses.",{"type":654,"content":805},[806],{"type":81,"attrs":807,"content":809},{"textAlign":25,"key":808},"p-41",[810],{"text":811,"type":87},"Compara el plazo real con el contractual de tus principales clientes y proveedores.",{"type":654,"content":813},[814],{"type":81,"attrs":815,"content":817},{"textAlign":25,"key":816},"p-42",[818],{"text":819,"type":87},"Lleva la brecha a una previsión a 13 semanas, con cobros esperados por vencimiento frente a pagos programados.",{"type":654,"content":821},[822],{"type":81,"attrs":823,"content":825},{"textAlign":25,"key":824},"p-43",[826],{"text":827,"type":87},"Acuerda el criterio con la gestoría si la contabilidad está externalizada, para que los saldos se traten igual con o sin IVA.",{"type":81,"attrs":829,"content":831},{"textAlign":25,"key":830},"p-44",[832],{"text":833,"type":87},"La tendencia del periodo medio de pago y cobro muestra si el capital circulante se tensa por clientes, por proveedores o por ambos.",{"type":81,"attrs":835,"content":837},{"textAlign":25,"key":836},"p-45",[838],{"text":839,"type":87},"La controller del fabricante de mobiliario presenta al comité de dirección un único gráfico con las dos líneas de los últimos 12 meses. Si el PMC sube tres días y el PMP no cambia, el comité ve los cerca de 39.450 € adicionales que hay que financiar.",{"type":81,"attrs":841,"content":843},{"textAlign":25,"key":842},"p-46",[844,846,852],{"text":845,"type":87},"La parte de pagos de esa previsión suele llegar con retraso, porque depende del cierre contable. Si ",{"text":847,"type":87,"marks":848},"gestionas las facturas de proveedores",[849],{"type":207,"attrs":850},{"href":851,"uuid":25,"anchor":25,"target":25,"linktype":69},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":853,"type":87}," en Spendesk, ves en tiempo real qué pagos están aprobados y programados sin esperar al cierre.",{"name":855,"created_at":856,"published_at":16,"updated_at":857,"id":858,"uuid":859,"content":860,"slug":867,"full_slug":868,"sort_by_date":25,"position":26,"tag_list":869,"is_startpage":28,"parent_id":870,"meta_data":25,"group_id":871,"first_published_at":872,"release_id":25,"lang":32,"path":25,"alternates":873,"default_full_slug":874,"translated_slugs":875,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":861,"icon":862,"name":855,"component":866},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":863,"alt":864,"name":61,"focus":61,"title":61,"filename":865,"copyright":61,"fieldtype":66,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[876,877,878],{"path":874,"name":25,"lang":37,"published":25},{"path":874,"name":25,"lang":39,"published":25},{"path":874,"name":25,"lang":32,"published":25},[32],[],[],"2026-11-13 00:00",[],[885],{"_uid":886,"link":887,"asset":890,"caption":61,"component":894},"84e5eb36-2b8e-4210-909a-3dbd5e4d64cc",{"id":61,"url":61,"linktype":888,"fieldtype":70,"cached_url":889,"prep":41},"story","/es/",{"id":891,"alt":61,"name":61,"focus":61,"title":61,"source":61,"filename":892,"copyright":61,"fieldtype":66,"meta_data":893,"is_external_url":28},241231957731555,"https://a.storyblok.com/f/146026/1248x832/adc96f7bf3/pmp-pmc-cash-flow-header.png",{},"image","PMP vs PMC: descubre sus diferencias, cómo calcularlos y qué revelan sobre la liquidez, el ciclo de caja y quién financia a quién.",[],[898],{"cta":899,"_uid":900,"items":901,"heading":983,"reverse":28,"component":1003,"sectionSettings":1004},[],"b020a48a-fb25-42a4-bf31-46c213be05a7",[902,914,928,939,950,961,972],{"_uid":903,"hide":28,"title":904,"component":905,"description":906},"86eb95cd-004c-45ce-87a6-27438a77b041","¿Coincide el PMP de gestión con el PMP de la memoria?","faqItem",{"type":78,"attrs":907,"content":908},{"backgroundColor":25},[909],{"type":81,"attrs":910,"content":911},{"textAlign":25,"key":83},[912],{"text":913,"type":87},"Normalmente no: en el modelo normal de memoria, el PMP aplica la fórmula del ICAC de 2016, basada en operaciones pagadas y pendientes. En el modelo abreviado, la fórmula del ICAC también parte de saldos, aunque con sus propios criterios.",{"_uid":915,"hide":28,"title":916,"component":905,"description":917},"353616ca-0216-4f27-b8af-07f66d0d8dec","¿Puede ser negativo el ciclo de conversión de caja?",{"type":78,"attrs":918,"content":919},{"backgroundColor":25},[920,925],{"type":81,"attrs":921,"content":922},{"textAlign":25,"key":83},[923],{"text":924,"type":87},"Sí, cuando el PMP supera la suma del PMI y el PMC. Un ciclo de −10 días significa que proveedores y clientes financian 10 días de operación.",{"type":167,"attrs":926},{"level":927,"textAlign":25},3,{"_uid":929,"hide":28,"title":930,"component":905,"description":931},"f428391d-9927-411f-87fb-a04382827192","¿Se calculan el PMP y el PMC con IVA o sin IVA?",{"type":78,"attrs":932,"content":933},{"backgroundColor":25},[934],{"type":81,"attrs":935,"content":936},{"textAlign":25,"key":83},[937],{"text":938,"type":87},"Con IVA en ventas y compras, porque los saldos de clientes y proveedores lo incluyen. Lo importante es mantener el mismo criterio en los 12 meses que compares.",{"_uid":940,"hide":28,"title":941,"component":905,"description":942},"68d53442-4ebc-491b-9309-333986283437","¿Qué diferencia hay entre el PMC y el DSO?",{"type":78,"attrs":943,"content":944},{"backgroundColor":25},[945],{"type":81,"attrs":946,"content":947},{"textAlign":25,"key":83},[948],{"text":949,"type":87},"Ninguna en el cálculo: DSO es la sigla inglesa y PMC la española del mismo indicador. Ambos dividen el saldo medio de clientes entre las ventas y multiplican por 365 o 360.",{"_uid":951,"hide":28,"title":952,"component":905,"description":953},"da2cda6c-9342-4c48-9969-3aef1500fe25","¿Es mejor que el PMP sea mayor que el PMC?",{"type":78,"attrs":954,"content":955},{"backgroundColor":25},[956],{"type":81,"attrs":957,"content":958},{"textAlign":25,"key":83},[959],{"text":960,"type":87},"Sí, siempre que cada pago salga dentro del plazo pactado, con el máximo legal de 60 días por factura que fija la Ley 3/2004. Una brecha apoyada en retrasos pone en riesgo la relación con proveedores y las subvenciones.",{"_uid":962,"hide":28,"title":963,"component":905,"description":964},"2a48f225-ec8a-47d2-85f4-73bf6dbd2c5d","¿Cómo se analizan el PMP y el PMC de forma conjunta?",{"type":78,"attrs":965,"content":966},{"backgroundColor":25},[967],{"type":81,"attrs":968,"content":969},{"textAlign":25,"key":83},[970],{"text":971,"type":87},"Con el mismo criterio de IVA, el mismo periodo y la misma base de días. Primero calcula la brecha en días (PMC − PMP). Después calcula el ciclo de conversión de caja (PMI + PMC − PMP), que muestra cuántos días tienes que financiar la operación. Multiplica esos días por tus ventas o compras diarias para pasarlos a euros: en el fabricante de mobiliario, cada día de PMC vale unos 13.150 €. 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Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":81,"attrs":2506,"content":2507},{"textAlign":25},[2508],{"text":2509,"type":87},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":81,"attrs":2511,"content":2512},{"textAlign":25},[2513],{"text":2514,"type":87},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":81,"attrs":2516,"content":2517},{"textAlign":25},[2518],{"text":2519,"type":87},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2521,"title":2522,"component":905,"description":2523},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":78,"content":2524},[2525,2530,2542,2547,2557,2562,2567,2572],{"type":81,"attrs":2526,"content":2527},{"textAlign":25},[2528],{"text":2529,"type":87},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":81,"attrs":2548,"content":2549},{"textAlign":25},[2550,2554,2555],{"text":2551,"type":87,"marks":2552},"Para los equipos financieros",[2553],{"type":1669},{"type":2382},{"text":2556,"type":87},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":81,"attrs":2558,"content":2559},{"textAlign":25},[2560],{"text":2561,"type":87},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":81,"attrs":2563,"content":2564},{"textAlign":25},[2565],{"text":2566,"type":87},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":81,"attrs":2568,"content":2569},{"textAlign":25},[2570],{"text":2571,"type":87},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":81,"attrs":2573,"content":2574},{"textAlign":25},[2575],{"text":2576,"type":87},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2578],{"cta":2579,"_uid":2580,"title":2581,"eyebrow":2588,"subtitle":2591,"component":167,"textAlign":61,"sectionSettings":2597,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":61},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":78,"content":2582},[2583],{"type":167,"attrs":2584,"content":2585},{"level":169},[2586],{"text":2587,"type":87},"Empezar con Spendesk",{"type":78,"content":2589},[2590],{"type":81},{"type":78,"content":2592},[2593],{"type":81,"content":2594},[2595],{"text":2596,"type":87},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces 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00:00",[],[2641],{"_uid":2642,"link":2643,"asset":2644,"caption":61,"component":894},"4f2fd29e-8afa-404d-827d-8baedd885fe6",{"id":61,"url":61,"linktype":888,"fieldtype":70,"cached_url":889,"prep":41},{"id":2645,"alt":61,"name":61,"focus":61,"title":61,"source":61,"filename":2646,"copyright":61,"fieldtype":66,"meta_data":2647,"is_external_url":28},239442739620996,"https://a.storyblok.com/f/146026/1248x832/ffcf50e7d0/integracion_gastos_sistemas.png",{},"Descubre cómo integrar un software de gestión de gastos con SAP, Sage y FacturasCloud, automatizar la exportación contable y evitar errores.\n",[],[2651],{"cta":2652,"_uid":2653,"items":2654,"heading":2824,"reverse":28,"component":1003,"sectionSettings":2846},[],"79557d53-35c7-460b-8595-9e1d18c0f271",[2655,2671,2747,2763,2776,2792,2808],{"_uid":2656,"hide":28,"title":2657,"component":905,"description":2658},"935428a5-ca9c-4b42-b635-0326d50b3876","¿Afecta VERI*FACTU a la integración del software de gastos?",{"type":78,"attrs":2659,"content":2660},{"backgroundColor":25},[2661,2666],{"type":81,"attrs":2662,"content":2663},{"textAlign":25},[2664],{"text":2665,"type":87},"Depende del papel que desempeñe cada herramienta. VERI*FACTU regula los sistemas utilizados para expedir facturas. Una plataforma que solo recibe justificantes no tiene necesariamente las mismas obligaciones que un programa de facturación.",{"type":81,"attrs":2667,"content":2668},{"textAlign":25},[2669],{"text":2670,"type":87},"La empresa debe revisar su caso con la gestoría o con su asesoría fiscal.",{"_uid":2672,"hide":28,"title":2673,"component":905,"description":2674},"a310d6eb-9cc9-47a6-9e2c-0c792e116079","¿Qué debe probarse antes de poner una integración en producción?",{"type":78,"attrs":2675,"content":2676},{"backgroundColor":25},[2677,2682],{"type":81,"attrs":2678,"content":2679},{"textAlign":25},[2680],{"text":2681,"type":87},"Como mínimo:",{"type":651,"content":2683},[2684,2691,2698,2705,2712,2719,2726,2733,2740],{"type":654,"content":2685},[2686],{"type":81,"attrs":2687,"content":2688},{"textAlign":25},[2689],{"text":2690,"type":87},"Un gasto con IVA.",{"type":654,"content":2692},[2693],{"type":81,"attrs":2694,"content":2695},{"textAlign":25},[2696],{"text":2697,"type":87},"Una factura de proveedor.",{"type":654,"content":2699},[2700],{"type":81,"attrs":2701,"content":2702},{"textAlign":25},[2703],{"text":2704,"type":87},"Un proveedor nuevo.",{"type":654,"content":2706},[2707],{"type":81,"attrs":2708,"content":2709},{"textAlign":25},[2710],{"text":2711,"type":87},"Una cuenta inexistente.",{"type":654,"content":2713},[2714],{"type":81,"attrs":2715,"content":2716},{"textAlign":25},[2717],{"text":2718,"type":87},"Una operación extranjera.",{"type":654,"content":2720},[2721],{"type":81,"attrs":2722,"content":2723},{"textAlign":25},[2724],{"text":2725,"type":87},"Un gasto con varias líneas.",{"type":654,"content":2727},[2728],{"type":81,"attrs":2729,"content":2730},{"textAlign":25},[2731],{"text":2732,"type":87},"Un pago.",{"type":654,"content":2734},[2735],{"type":81,"attrs":2736,"content":2737},{"textAlign":25},[2738],{"text":2739,"type":87},"Un justificante.",{"type":654,"content":2741},[2742],{"type":81,"attrs":2743,"content":2744},{"textAlign":25},[2745],{"text":2746,"type":87},"Una reexportación corregida.",{"_uid":2748,"hide":28,"title":2749,"component":905,"description":2750},"7177d737-fc75-4e7d-a478-c183b83aa2c0","¿Qué ocurre si falla una exportación contable?",{"type":78,"attrs":2751,"content":2752},{"backgroundColor":25},[2753,2758],{"type":81,"attrs":2754,"content":2755},{"textAlign":25},[2756],{"text":2757,"type":87},"El sistema puede rechazar los apuntes por una cuenta inexistente, un asiento descuadrado, un código de IVA incorrecto, un proveedor no registrado o un formato de fichero incompatible.",{"type":81,"attrs":2759,"content":2760},{"textAlign":25},[2761],{"text":2762,"type":87},"El procedimiento correcto es identificar el error, corregir el dato de origen y reexportar sin duplicar las operaciones ya contabilizadas.",{"_uid":2764,"hide":28,"title":2765,"component":905,"description":2766},"47dfc640-a54d-49e1-9f3b-94e7fb822067","¿FacturasCloud tiene una API?",{"type":78,"attrs":2767,"content":2768},{"backgroundColor":25},[2769,2774],{"type":81,"attrs":2770,"content":2771},{"textAlign":25},[2772],{"text":2773,"type":87},"No hemos localizado documentación pública suficiente para confirmar una API contable con el alcance necesario para todos los proyectos. Antes de construir una integración, confirma con FacturasCloud qué funcionalidades están disponibles para el plan contratado.",{"type":167,"attrs":2775},{"level":927,"textAlign":25},{"_uid":2777,"hide":28,"title":2778,"component":905,"description":2779},"d50e93a2-d0dc-4379-b31c-189312479a9a","¿Qué ocurre si falta una cuenta en SAP o una subcuenta en Sage?",{"type":78,"attrs":2780,"content":2781},{"backgroundColor":25},[2782,2787],{"type":81,"attrs":2783,"content":2784},{"textAlign":25},[2785],{"text":2786,"type":87},"El sistema puede rechazar el asiento o detener la importación. La empresa debe crear el dato que falta, revisar el mapeo y volver a exportar la operación corregida.",{"type":81,"attrs":2788,"content":2789},{"textAlign":25},[2790],{"text":2791,"type":87},"También debe comprobar que la reexportación no genere un duplicado.",{"_uid":2793,"hide":28,"title":2794,"component":905,"description":2795},"e540d5ff-a6e0-4a00-b2ad-5574150642ac","¿Las tarjetas y los pagos se exportan igual que las facturas?",{"type":78,"attrs":2796,"content":2797},{"backgroundColor":25},[2798,2803],{"type":81,"attrs":2799,"content":2800},{"textAlign":25},[2801],{"text":2802,"type":87},"No siempre. Una factura puede generar una deuda con un proveedor, mientras que el pago posterior puede registrarse contra el banco o la cuenta de la tarjeta.",{"type":81,"attrs":2804,"content":2805},{"textAlign":25},[2806],{"text":2807,"type":87},"Por eso, confirma si la integración exporta facturas, gastos, pagos, liquidaciones y comisiones.",{"_uid":2809,"hide":28,"title":2810,"component":905,"description":2811},"0e0eb13c-beef-4a57-a95a-7f07ce46334b","¿Qué diferencia hay entre un conector nativo y una exportación CSV?",{"type":78,"attrs":2812,"content":2813},{"backgroundColor":25},[2814,2819],{"type":81,"attrs":2815,"content":2816},{"textAlign":25},[2817],{"text":2818,"type":87},"El conector permite conectar dos sistemas y automatizar parte del intercambio de datos. La exportación CSV genera un fichero que alguien debe importar y validar.",{"type":81,"attrs":2820,"content":2821},{"textAlign":25},[2822],{"text":2823,"type":87},"Con el conector, los datos maestros pueden sincronizarse automáticamente. Con el CSV, el equipo suele mantener las cuentas, proveedores e impuestos en los dos sistemas.",[2825],{"cta":2826,"_uid":2827,"title":2828,"layout":61,"eyebrow":2836,"subtitle":2841,"component":167,"textAlign":61,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":2844,"sectionSettings":2845,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":61},[],"d561146c-2bf0-4e19-842b-bb77014f37fe",{"type":78,"attrs":2829,"content":2830},{"backgroundColor":25},[2831],{"type":167,"attrs":2832,"content":2833},{"level":238,"textAlign":25},[2834],{"text":2835,"type":87},"FAQs ",{"type":78,"attrs":2837,"content":2838},{"backgroundColor":25},[2839],{"type":81,"attrs":2840},{"textAlign":25},{"type":78,"content":2842},[2843],{"type":81},[],[],[],"integracion-del-software-de-gestion-de-gastos-con-sap-sage-y-facturascloud","es/blog/integracion-del-software-de-gestion-de-gastos-con-sap-sage-y-facturascloud",-4230,[],"cdf30ff5-5ef0-4717-9804-991afd14401a","2026-11-08T16:32:04.303Z",[],"blog/integracion-del-software-de-gestion-de-gastos-con-sap-sage-y-facturascloud",[2856,2857,2858],{"path":2854,"name":25,"lang":37,"published":25},{"path":2854,"name":25,"lang":39,"published":25},{"path":2854,"name":25,"lang":32,"published":25},{"name":2860,"created_at":2861,"published_at":2862,"updated_at":2863,"id":2864,"uuid":2865,"content":2866,"slug":2988,"full_slug":2989,"sort_by_date":25,"position":2990,"tag_list":2991,"is_startpage":28,"parent_id":1009,"meta_data":25,"group_id":2992,"first_published_at":2993,"release_id":25,"lang":32,"path":25,"alternates":2994,"default_full_slug":2995,"translated_slugs":2996},"Límites de gasto y flujos de aprobación: cómo diseñar una matriz de aprobaciones","2026-09-14T09:05:51.120Z","2026-09-21T13:47:36.187Z","2026-09-21T13:47:36.206Z",219902571029940,"f03b6555-c243-4567-a806-01b64e21be9f",{"_uid":2867,"title":2860,"topics":2868,"noIndex":28,"category":2877,"language":2886,"component":867,"heroMedia":2887,"metaTitle":2888,"publishedAt":2889,"readingTime":2890,"redirectUrl":61,"listingImage":2891,"metaDescription":2899,"bottomArticleCta":2900,"componentsAfterTheArticle":2901},"7a4cd629-7642-46db-b020-73a6e5a196c1",[2869],{"name":103,"created_at":104,"published_at":105,"updated_at":106,"id":107,"uuid":108,"content":2870,"slug":117,"full_slug":118,"sort_by_date":25,"position":119,"tag_list":2871,"is_startpage":28,"parent_id":121,"meta_data":25,"group_id":122,"first_published_at":123,"release_id":25,"lang":32,"path":25,"alternates":2872,"default_full_slug":125,"translated_slugs":2873,"_stopResolving":41},{"_uid":116,"name":103,"component":22},[],[],[2874,2875,2876],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},{"name":855,"created_at":856,"published_at":16,"updated_at":857,"id":858,"uuid":859,"content":2878,"slug":867,"full_slug":868,"sort_by_date":25,"position":26,"tag_list":2880,"is_startpage":28,"parent_id":870,"meta_data":25,"group_id":871,"first_published_at":872,"release_id":25,"lang":32,"path":25,"alternates":2881,"default_full_slug":874,"translated_slugs":2882,"_stopResolving":41},{"_uid":861,"icon":2879,"name":855,"component":866},{"id":863,"alt":864,"name":61,"focus":61,"title":61,"filename":865,"copyright":61,"fieldtype":66,"is_external_url":28},[],[],[2883,2884,2885],{"path":874,"name":25,"lang":37,"published":25},{"path":874,"name":25,"lang":39,"published":25},{"path":874,"name":25,"lang":32,"published":25},[32],[],"Límites de gasto y flujos de aprobación: cómo diseñar una ma","2026-09-15 00:00","11",[2892],{"_uid":2893,"link":2894,"asset":2895,"caption":61,"component":894},"a9644a58-b3c7-493b-9444-acfb7e460f72",{"id":61,"url":61,"linktype":888,"fieldtype":70,"cached_url":889,"prep":41},{"id":2896,"alt":61,"name":61,"focus":61,"title":61,"source":61,"filename":2897,"copyright":61,"fieldtype":66,"meta_data":2898,"is_external_url":28},222449021451945,"https://a.storyblok.com/f/146026/1672x941/dc12ffbfb9/matriz-de-aprobaciones.png",{},"Diseña una matriz de aprobaciones con límites de gasto y flujos claros para controlar el gasto de tu empresa sin frenar al equipo.",[],[2902],{"_uid":2903,"items":2904,"heading":2965,"component":1003},"7f2196f5-28a0-4a67-82bd-1f2541a019dd",[2905,2915,2925,2935,2945,2955],{"_uid":2906,"title":2907,"component":905,"description":2908},"8bf7ee51-6e0c-42c0-a523-8afac7fcdeab","¿Qué es una matriz de aprobaciones?",{"type":78,"content":2909},[2910],{"type":81,"attrs":2911,"content":2912},{"textAlign":25},[2913],{"text":2914,"type":87},"Es un conjunto de reglas que define quién puede aprobar cada tipo de gasto, hasta qué importe y bajo qué condiciones. Normalmente tiene en cuenta el importe, la categoría, el rol de la persona aprobadora y la entidad responsable del pago.",{"_uid":2916,"title":2917,"component":905,"description":2918},"6f9929d2-5ab2-430a-b77d-ffa70e67cd75","¿Cómo se definen los límites de gasto?",{"type":78,"content":2919},[2920],{"type":81,"attrs":2921,"content":2922},{"textAlign":25},[2923],{"text":2924,"type":87},"Los límites pueden establecerse por transacción, periodo, tarjeta, categoría, proyecto o centro de costes. Deben reflejar el nivel de responsabilidad de cada rol y la política de gastos de la empresa.",{"_uid":2926,"title":2927,"component":905,"description":2928},"ecce9840-c4f9-4b0c-804e-c284215ef2b9","¿Cuántos niveles de aprobación debe tener una empresa?",{"type":78,"content":2929},[2930],{"type":81,"attrs":2931,"content":2932},{"textAlign":25},[2933],{"text":2934,"type":87},"Depende del tamaño, la estructura y el nivel de riesgo de las compras. Los gastos recurrentes y de bajo importe pueden seguir un flujo sencillo, mientras que las compras excepcionales o de mayor impacto pueden requerir una aprobación adicional.",{"_uid":2936,"title":2937,"component":905,"description":2938},"8b096212-44fc-4963-8cc7-175e6a8566f9","¿Cómo se aplican las aprobaciones a las tarjetas corporativas?",{"type":78,"content":2939},[2940],{"type":81,"attrs":2941,"content":2942},{"textAlign":25},[2943],{"text":2944,"type":87},"La empresa configura límites y reglas de uso para cada tarjeta. Cuando una compra supera el límite o pertenece a una categoría que requiere revisión, el flujo puede exigir una aprobación previa antes de completar el gasto, según la configuración disponible.",{"_uid":2946,"title":2947,"component":905,"description":2948},"dabcbc53-35a6-4e09-93b3-29b282d686d5","¿Cómo se relacionan las aprobaciones con las facturas y la contabilidad?",{"type":78,"content":2949},[2950],{"type":81,"attrs":2951,"content":2952},{"textAlign":25},[2953],{"text":2954,"type":87},"La información de la solicitud, la aprobación, la factura y la documentación asociada puede mantenerse en un mismo flujo. Esto facilita la revisión y la preparación contable, aunque la configuración y las integraciones disponibles deben comprobarse para cada empresa.",{"_uid":2956,"title":2957,"component":905,"description":2958},"f56e32e8-ebb0-46de-a246-2ab970aafb0c","¿Cómo puede ayudar Spendesk a gestionar una matriz de aprobaciones?",{"type":78,"content":2959},[2960],{"type":81,"attrs":2961,"content":2962},{"textAlign":25},[2963],{"text":2964,"type":87},"Spendesk permite combinar tarjetas físicas y virtuales, y establecer límites, controles de gasto y flujos de aprobación. 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La IA puede leer documentos, extraer información y sugerir categorías o cuentas, pero el equipo financiero debe revisar y confirmar los datos cuando sea necesario.",{"_uid":3058,"title":3059,"component":905,"description":3060},"3d636006-7eb8-4147-befb-dfcf4a190a3d","¿Cuándo basta un conector ligero y cuándo conviene utilizar SAP o NetSuite?",{"type":78,"content":3061},[3062],{"type":81,"attrs":3063,"content":3064},{"textAlign":25},[3065],{"text":3066,"type":87},"Un conector ligero puede ser suficiente para una empresa con una entidad y procesos contables estándar. SAP o NetSuite pueden resultar más adecuados cuando existen varias entidades, divisas, consolidación de grupo o flujos personalizados. 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Una integración puede mantener conectados determinados datos y procesos, aunque el alcance depende de las herramientas, la configuración y las reglas definidas por la empresa.",{"_uid":3098,"title":3099,"component":905,"description":3100},"1e1e84ba-2641-4965-9c29-09bfd625c77c","¿Cómo puede ayudar Spendesk a integrar la gestión del gasto con la contabilidad?",{"type":78,"content":3101},[3102],{"type":81,"attrs":3103,"content":3104},{"textAlign":25},[3105],{"text":3106,"type":87},"Spendesk no es un ERP: resuelve lo que un ERP no está diseñado para hacer bien. Un ERP centraliza la contabilidad, pero el gasto nace fuera de él, en tarjetas, facturas y solicitudes dispersas. Spendesk captura esa información desde el origen, con OCR, flujos de aprobación y reglas de codificación, y la entrega al ERP ya organizada, en lugar de que el equipo financiero la reconstruya línea por línea en cada cierre. Puede conectarse con SAP, NetSuite u otras herramientas contables; el alcance exacto de cada integración depende de la configuración contratada.",[3108],{"cta":3109,"_uid":3110,"title":3111,"eyebrow":3117,"subtitle":3122,"component":167,"textAlign":61,"flexibleSection":3127,"sectionSettings":3128,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":61},[],"4791d09f-735c-47be-adb6-99968d3378c2",{"type":78,"content":3112},[3113],{"type":167,"attrs":3114,"content":3115},{"level":169,"textAlign":25},[3116],{"text":2975,"type":87},{"type":78,"content":3118},[3119],{"type":81,"attrs":3120,"content":3121},{"textAlign":25},[],{"type":78,"content":3123},[3124],{"type":81,"attrs":3125,"content":3126},{"textAlign":25},[],[],[],"integracion-erp-gestion-de-gastos","es/blog/integracion-erp-gestion-de-gastos",-3480,[],"98b52988-997b-496a-97d4-1a93fbb266f3","2026-09-14T09:05:52.582Z",[],"blog/integracion-erp-gestion-de-gastos",[3138,3139,3140],{"path":3136,"name":25,"lang":37,"published":25},{"path":3136,"name":25,"lang":39,"published":25},{"path":3136,"name":25,"lang":32,"published":25},{"name":3142,"created_at":3143,"published_at":3144,"updated_at":3145,"id":3146,"uuid":3147,"content":3148,"slug":3267,"full_slug":3268,"sort_by_date":25,"position":3269,"tag_list":3270,"is_startpage":28,"parent_id":1009,"meta_data":25,"group_id":3271,"first_published_at":3272,"release_id":25,"lang":32,"path":25,"alternates":3273,"default_full_slug":3274,"translated_slugs":3275},"Gestión de gastos multiempresa: control por entidad, visibilidad consolidada y cierre contable","2026-08-26T15:56:49.535Z","2026-11-03T12:15:19.223Z","2026-11-03T12:15:19.255Z",213279578320375,"ee5153a6-f1ef-42ae-9942-378b1568bb9a",{"_uid":3149,"title":3142,"topics":3150,"noIndex":28,"category":3159,"language":3168,"component":867,"heroMedia":3169,"metaTitle":3170,"publishedAt":3171,"readingTime":3031,"redirectUrl":61,"listingImage":3172,"metaDescription":3179,"bottomArticleCta":3180,"componentsAfterTheArticle":3181},"84051c1c-b4a9-4440-a54d-2d97111882f7",[3151],{"name":103,"created_at":104,"published_at":105,"updated_at":106,"id":107,"uuid":108,"content":3152,"slug":117,"full_slug":118,"sort_by_date":25,"position":119,"tag_list":3153,"is_startpage":28,"parent_id":121,"meta_data":25,"group_id":122,"first_published_at":123,"release_id":25,"lang":32,"path":25,"alternates":3154,"default_full_slug":125,"translated_slugs":3155,"_stopResolving":41},{"_uid":116,"name":103,"component":22},[],[],[3156,3157,3158],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},{"name":855,"created_at":856,"published_at":16,"updated_at":857,"id":858,"uuid":859,"content":3160,"slug":867,"full_slug":868,"sort_by_date":25,"position":26,"tag_list":3162,"is_startpage":28,"parent_id":870,"meta_data":25,"group_id":871,"first_published_at":872,"release_id":25,"lang":32,"path":25,"alternates":3163,"default_full_slug":874,"translated_slugs":3164,"_stopResolving":41},{"_uid":861,"icon":3161,"name":855,"component":866},{"id":863,"alt":864,"name":61,"focus":61,"title":61,"filename":865,"copyright":61,"fieldtype":66,"is_external_url":28},[],[],[3165,3166,3167],{"path":874,"name":25,"lang":37,"published":25},{"path":874,"name":25,"lang":39,"published":25},{"path":874,"name":25,"lang":32,"published":25},[32],[],"Gestión de gastos multiempresa: control por entidad","2026-08-20 00:00",[3173],{"_uid":3174,"asset":3175,"caption":61,"component":894},"df72a749-7b55-4b0a-8e4e-c4a82d38d646",{"id":3176,"alt":61,"name":61,"focus":61,"title":61,"source":61,"filename":3177,"copyright":61,"fieldtype":66,"meta_data":3178,"is_external_url":28},218542639992655,"https://a.storyblok.com/f/146026/1672x941/f42330e41d/gestion-de-gastos-multiempresa.png",{"size":3040},"Gestión de gastos multiempresa: cómo controlar el gasto por entidad, consolidar la visibilidad del grupo y preparar el cierre contable de cada filial.",[],[3182],{"_uid":3183,"items":3184,"heading":3245,"component":1003},"4688c2b9-e914-4f95-b290-55b20e3c1260",[3185,3195,3205,3215,3225,3235],{"_uid":3186,"title":3187,"component":905,"description":3188},"1809c048-8bd9-48d9-9bc2-b67adcd3f432","¿Qué es la gestión de gastos multiempresa?",{"type":78,"content":3189},[3190],{"type":81,"attrs":3191,"content":3192},{"textAlign":25},[3193],{"text":3194,"type":87},"La gestión de gastos multiempresa consiste en controlar el gasto de varias sociedades o entidades dentro de un mismo marco operativo. Incluye la gestión de presupuestos, tarjetas, solicitudes, facturas, aprobaciones, pagos y datos contables, manteniendo separada la información de cada entidad.",{"_uid":3196,"title":3197,"component":905,"description":3198},"06d2ac6a-88c4-43a1-a390-356d7269c166","¿Qué diferencia hay entre visibilidad consolidada y consolidación contable?",{"type":78,"content":3199},[3200],{"type":81,"attrs":3201,"content":3202},{"textAlign":25},[3203],{"text":3204,"type":87},"La visibilidad consolidada permite consultar datos operativos de varias entidades en una vista agrupada. La consolidación contable es un proceso formal que puede incluir la homogeneización de criterios, la conversión de divisas, las eliminaciones intragrupo y la formulación de cuentas consolidadas. Una vista agrupada no sustituye a este proceso.",{"_uid":3206,"title":3207,"component":905,"description":3208},"b3c8f8cc-6850-4a08-9b89-06c464dc030c","¿Puede Spendesk gestionar varias filiales?",{"type":78,"content":3209},[3210],{"type":81,"attrs":3211,"content":3212},{"textAlign":25},[3213],{"text":3214,"type":87},"Spendesk admite organizaciones con varias entidades y ofrece herramientas para gestionar el gasto, los presupuestos, las tarjetas, las facturas y las aprobaciones por entidad. Las personas con los permisos correspondientes pueden supervisar varias entidades desde un mismo espacio. La disponibilidad y el alcance de estas funciones dependen del plan, las entidades y la configuración de la cuenta.",{"_uid":3216,"title":3217,"component":905,"description":3218},"593fe39f-ca6e-492c-b198-41b611f37396","¿Puede Spendesk consolidar las cuentas anuales del grupo?",{"type":78,"content":3219},[3220],{"type":81,"attrs":3221,"content":3222},{"textAlign":25},[3223],{"text":3224,"type":87},"No. Spendesk puede ayudar a preparar y exportar información de gastos y pagos hacia sistemas contables compatibles, pero no debe presentarse como una herramienta de consolidación estatutaria. La eliminación de operaciones intragrupo, los ajustes de consolidación y la formulación de las cuentas anuales consolidadas deben realizarse en el ERP, en una herramienta especializada o mediante el proceso contable correspondiente.",{"_uid":3226,"title":3227,"component":905,"description":3228},"bfed3ab2-cd75-4413-a7c9-51b05706e98c","¿Cómo se conectan los datos de Spendesk con la contabilidad?",{"type":78,"content":3229},[3230],{"type":81,"attrs":3231,"content":3232},{"textAlign":25},[3233],{"text":3234,"type":87},"Spendesk puede conectarse a determinados sistemas contables mediante integraciones nativas, exportaciones personalizadas o archivos, según la disponibilidad para cada entidad y plan. La empresa debe configurar las cuentas, los códigos de IVA, los diarios y las dimensiones analíticas que necesite, y validar el resultado en el sistema contable.",{"_uid":3236,"title":3237,"component":905,"description":3238},"1b677fd5-cb26-4903-aa2a-5c5fc0bfe43f","¿Cómo se controlan los presupuestos de varias filiales?",{"type":78,"content":3239},[3240],{"type":81,"attrs":3241,"content":3242},{"textAlign":25},[3243],{"text":3244,"type":87},"Los presupuestos pueden organizarse por entidad, equipo, proyecto, centro de coste o categoría, según la configuración disponible. 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