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.en-resumen{background:#EAF6F5;border:0;border-radius:24px;padding:22px 24px}\n.est26 .en-resumen::before{content:'En resumen';display:block;font:800 11px var(--dp);letter-spacing:.14em;text-transform:uppercase;color:#007A85;margin-bottom:10px}\n.est26 .en-resumen li{font:700 15px\/1.5 var(--dp);color:#04252B;padding:10px 0 10px 28px;margin:0;border-top:1px solid #D3E7E5}\n.est26 .en-resumen li:first-child{border-top:0}\n.est26 .en-resumen li:before{top:calc(10px + .38em);background:#00A4AE}\n<\/style>\n\n\n<div class=\"est26\"><nav class=\"migas\" aria-label=\"Migas\"><a href=\"https:\/\/pulpos.com\/blog\/\">El Blog de Pulpos<\/a> \/ <a href=\"https:\/\/pulpos.com\/blog\/estudios\/\">Estudios<\/a> \/ <a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/\">El Mostrador en cifras 2026<\/a> \/ Cr\u00e9dito<\/nav><nav class=\"capnav\" aria-label=\"Cap\u00edtulos del estudio\"><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/administracion\/\">1 \u00b7 Administraci\u00f3n<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/empleados\/\">2 \u00b7 Personas<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/horarios-de-venta\/\">3 \u00b7 Cu\u00e1ndo se vende<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/formas-de-pago\/\">4 \u00b7 C\u00f3mo les pagan<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/credito\/\" class=\"on\" aria-current=\"page\">5 \u00b7 Cr\u00e9dito<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/cotizaciones\/\">6 \u00b7 Cotizaciones<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/registros\/\">7 \u00b7 Lo que se registra<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/regiones\/\">8 \u00b7 Regiones<\/a><\/nav><div class=\"grid\"><div class=\"post-content\"><span class=\"marca\">El Mostrador en cifras \u00b7 Cap\u00edtulo 5<\/span><h1 class=\"titulo\">\u00bfC\u00f3mo funciona el cr\u00e9dito en los comercios mexicanos?<\/h1><div class=\"meta\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"av-foto\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2026\/10\/camila-ramirez-pulpos.jpg?resize=28%2C28&#038;ssl=1\" alt=\"Camila Ram\u00edrez\" width=\"28\" height=\"28\"><span>Investigaci\u00f3n: <a href=\"https:\/\/pulpos.com\/blog\/author\/camilaramirez8\/\" style=\"color:var(--navy);font-weight:600;text-decoration:none\">Camila Ram\u00edrez<\/a> \u00b7 <a href=\"https:\/\/www.linkedin.com\/in\/camila-ram%C3%ADrez-758110415\/\" style=\"color:var(--teal-d)\">LinkedIn<\/a> \u00b7 Pulpos<\/span><span class=\"pt\"><\/span><span>Datos de marzo a agosto de 2026<\/span><span class=\"pt\"><\/span><span>8 min de lectura<\/span><\/div><p class=\"resuelve\"><b>En este cap\u00edtulo se resuelve:<\/b> cu\u00e1ntos comercios dan cr\u00e9dito, qu\u00e9 parte de sus ventas hacen a cr\u00e9dito, cu\u00e1nto recuperan y en cu\u00e1nto tiempo vuelve el dinero.<\/p><div class=\"tldr-block\"><p>El cr\u00e9dito al cliente, lo que en el mostrador se conoce como fiado, es el sistema de cr\u00e9dito que el comercio mexicano construy\u00f3 por su cuenta. M\u00e1s de la mitad de los comercios que llevan su negocio con un sistema da cr\u00e9dito a sus clientes, y la mitad de ellos recupera el 95&nbsp;% o m\u00e1s de lo que vende a cr\u00e9dito. En el pa\u00eds, solo el 10.8&nbsp;% de las unidades econ\u00f3micas tiene financiamiento formal, seg\u00fan INEGI.<\/p><\/div><div class=\"toc-art\"><p>En este cap\u00edtulo:<\/p><ul><li><a href=\"#cuantos-comercios-mexicanos-dan-credito-a-sus-clientes-cada-\">\u00bfCu\u00e1ntos comercios mexicanos dan cr\u00e9dito a sus clientes cada mes?<\/a><\/li><li><a href=\"#que-parte-de-sus-ventas-hace-a-credito-un-comercio-en-mexico\">\u00bfQu\u00e9 parte de sus ventas hace a cr\u00e9dito un comercio en M\u00e9xico?<\/a><\/li><li><a href=\"#por-que-el-mostrador-se-volvio-la-principal-fuente-de-credit\">\u00bfPor qu\u00e9 el mostrador se volvi\u00f3 la principal fuente de cr\u00e9dito para sus clientes?<\/a><\/li><li><a href=\"#que-giros-dan-mas-credito-a-sus-clientes-en-mexico\">\u00bfQu\u00e9 giros dan m\u00e1s cr\u00e9dito a sus clientes en M\u00e9xico?<\/a><\/li><li><a href=\"#cuanto-dinero-recuperan-los-comerciantes-mexicanos-cuando-da\">\u00bfCu\u00e1nto dinero recuperan los comerciantes mexicanos cuando dan cr\u00e9dito a sus clientes?<\/a><\/li><li><a href=\"#cuanto-tarda-en-volver-al-comerciante-el-dinero-que-da-a-cre\">\u00bfCu\u00e1nto tarda en volver al comerciante el dinero que da a cr\u00e9dito?<\/a><\/li><li><a href=\"#que-significa-que-el-credito-del-mostrador-funcione-para-el-\">\u00bfQu\u00e9 significa que el cr\u00e9dito del mostrador funcione para el comerciante mexicano?<\/a><\/li><li><a href=\"#como-pagan-los-clientes-lo-que-le-deben-al-comerciante\">\u00bfC\u00f3mo pagan los clientes lo que le deben al comerciante?<\/a><\/li><li><a href=\"#los-comercios-que-dan-credito-tambien-compran-a-credito-a-su\">\u00bfLos comercios que dan cr\u00e9dito tambi\u00e9n compran a cr\u00e9dito a sus proveedores?<\/a><\/li><li><a href=\"#en-que-regiones-de-mexico-dan-mas-credito-los-comercios-a-su\">\u00bfEn qu\u00e9 regiones de M\u00e9xico dan m\u00e1s cr\u00e9dito los comercios a sus clientes?<\/a><\/li><li><a href=\"#como-pasa-el-credito-del-proveedor-al-comercio-y-del-comerci\">\u00bfC\u00f3mo pasa el cr\u00e9dito del proveedor al comercio y del comercio al cliente?<\/a><\/li><\/ul><\/div><h2 id=\"cuales-son-los-hallazgos-clave-sobre-el-credito-en-los-comer\">\u00bfCu\u00e1les son los hallazgos clave sobre el cr\u00e9dito en los comercios mexicanos?<\/h2><div class=\"hallazgos n4\"><div class=\"hallazgo\"><span class=\"num\">50.5&nbsp;%<\/span><h3>Dar cr\u00e9dito es lo normal<\/h3><p>M\u00e1s de la mitad de los comercios vende a cr\u00e9dito por lo menos una vez al mes.<\/p><\/div><div class=\"hallazgo\"><span class=\"num\">95&nbsp;%<\/span><h3>El cr\u00e9dito se recupera<\/h3><p>La mitad de los comercios recupera el 95&nbsp;% o m\u00e1s de lo que vende a cr\u00e9dito, y el 77&nbsp;% de las deudas ya est\u00e1 saldado.<\/p><\/div><div class=\"hallazgo\"><span class=\"num\">45&nbsp;%<\/span><h3>Vuelve en la primera semana<\/h3><p>El 45&nbsp;% de las deudas que se cobran se paga en los primeros siete d\u00edas, casi siempre de una sola vez.<\/p><\/div><div class=\"hallazgo\"><span class=\"num\">34&nbsp;%<\/span><h3>Se cobra por transferencia<\/h3><p>El 34&nbsp;% de los cobros de cr\u00e9dito entra por transferencia, contra el 13&nbsp;% de los pagos de una venta.<\/p><\/div><\/div><h2 id=\"cuantos-comercios-mexicanos-dan-credito-a-sus-clientes-cada-\">\u00bfCu\u00e1ntos comercios mexicanos dan cr\u00e9dito a sus clientes cada mes?<\/h2><p class=\"respuesta\">M\u00e1s de la mitad de los comercios mexicanos da cr\u00e9dito a sus clientes: el 50.5&nbsp;% vende a cr\u00e9dito por lo menos una vez al mes. La pr\u00e1ctica aparece en todos los giros que mide el estudio y en todas las regiones del pa\u00eds.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfCu\u00e1ntos comercios mexicanos dan cr\u00e9dito a sus clientes?<\/p><p class=\"gresp\">M\u00e1s de la mitad: el <b>50.5&nbsp;%<\/b> de los comercios vende a cr\u00e9dito por lo menos una vez al mes.<\/p><svg class=\"g-d\" viewBox=\"0 0 600 142\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><text x=\"0\" y=\"48\" font-size=\"52\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">50.5&nbsp;%<\/text><text x=\"600\" y=\"48\" font-size=\"15\" fill=\"#04252B\" font-weight=\"600\" text-anchor=\"end\">dan cr\u00e9dito<\/text><rect x=\"0\" y=\"70\" width=\"302\" height=\"22\" rx=\"6\" fill=\"#00A4AE\"><title>50.5&nbsp;% dan cr\u00e9dito<\/title><\/rect><rect x=\"304\" y=\"70\" width=\"296\" height=\"22\" rx=\"6\" fill=\"#D5EDEB\"><title>49.5&nbsp;% no dieron cr\u00e9dito en el mes<\/title><\/rect><line x1=\"300\" y1=\"64\" x2=\"300\" y2=\"98\" stroke=\"#04252B\" stroke-width=\"1.5\" stroke-dasharray=\"3 3\"><\/line><text x=\"300\" y=\"114\" font-size=\"11.5\" fill=\"#5E7479\" text-anchor=\"middle\">la mitad<\/text><line x1=\"150\" x2=\"150\" y1=\"66\" y2=\"96\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><line x1=\"450\" x2=\"450\" y1=\"66\" y2=\"96\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"0\" y=\"114\" font-size=\"10.5\" fill=\"#93A8AC\">0&nbsp;%<\/text><text x=\"600\" y=\"114\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"600\" y=\"134\" font-size=\"12.5\" fill=\"#5E7479\" text-anchor=\"end\">49.5&nbsp;% no dieron cr\u00e9dito en el mes<\/text><\/svg><svg class=\"g-m\" viewBox=\"0 0 380 142\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><text x=\"0\" y=\"48\" font-size=\"52\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">50.5&nbsp;%<\/text><text x=\"380\" y=\"48\" font-size=\"15\" fill=\"#04252B\" font-weight=\"600\" text-anchor=\"end\">dan cr\u00e9dito<\/text><rect x=\"0\" y=\"70\" width=\"190.9\" height=\"22\" rx=\"6\" fill=\"#00A4AE\"><title>50.5&nbsp;% dan cr\u00e9dito<\/title><\/rect><rect x=\"192.9\" y=\"70\" width=\"187.1\" height=\"22\" rx=\"6\" fill=\"#D5EDEB\"><title>49.5&nbsp;% no dieron cr\u00e9dito en el mes<\/title><\/rect><line x1=\"190\" y1=\"64\" x2=\"190\" y2=\"98\" stroke=\"#04252B\" stroke-width=\"1.5\" stroke-dasharray=\"3 3\"><\/line><text x=\"190\" y=\"114\" font-size=\"11.5\" fill=\"#5E7479\" text-anchor=\"middle\">la mitad<\/text><line x1=\"95\" x2=\"95\" y1=\"66\" y2=\"96\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><line x1=\"285\" x2=\"285\" y1=\"66\" y2=\"96\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"0\" y=\"114\" font-size=\"10.5\" fill=\"#93A8AC\">0&nbsp;%<\/text><text x=\"380\" y=\"114\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"380\" y=\"134\" font-size=\"12.5\" fill=\"#5E7479\" text-anchor=\"end\">49.5&nbsp;% no dieron cr\u00e9dito en el mes<\/text><\/svg><p class=\"nt\">* Comercios que venden a cr\u00e9dito por lo menos una vez al mes, sobre el total de comercios.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div><div class=\"dato-clave\"><span class=\"lbl\">Dato clave<\/span><p>El 10.8&nbsp;% de las unidades econ\u00f3micas de M\u00e9xico tiene financiamiento formal, y casi la mitad de las PyMEs de Am\u00e9rica Latina no tiene acceso a cr\u00e9dito formal.<\/p><span class=\"fuente\">Fuente: INEGI, Censos Econ\u00f3micos 2024; OCDE, SME Policy Index LAC 2024.<\/span><\/div><h2 id=\"que-parte-de-sus-ventas-hace-a-credito-un-comercio-en-mexico\">\u00bfQu\u00e9 parte de sus ventas hace a cr\u00e9dito un comercio en M\u00e9xico?<\/h2><p class=\"respuesta\">Un comercio mexicano que da cr\u00e9dito vende a cr\u00e9dito el 9.4&nbsp;% de sus ventas, y esas ventas representan el 19.9&nbsp;% de su dinero. Son pocas ventas, pero pesan el doble en la caja, porque lo que se vende a cr\u00e9dito suele ser la compra m\u00e1s grande.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfQu\u00e9 parte de sus ventas hace a cr\u00e9dito un comercio?<\/p><p class=\"gresp\">Los comercios que dan cr\u00e9dito venden a cr\u00e9dito el <b>9.4&nbsp;%<\/b> de sus ventas, que son el <b>19.9&nbsp;%<\/b> de su dinero.<\/p><svg class=\"g-d\" viewBox=\"0 0 600 284\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs><pattern id=\"g1dtc\" x=\"0\" y=\"44\" width=\"24\" height=\"24\" patternUnits=\"userSpaceOnUse\"><path d=\"M0 0 h18 v15 l-3 3 l-3 -3 l-3 3 l-3 -3 l-3 3 l-3 -3 z\" fill=\"#D5EDEB\"><\/path><\/pattern><pattern id=\"g1dto\" x=\"0\" y=\"44\" width=\"24\" height=\"24\" patternUnits=\"userSpaceOnUse\"><path d=\"M0 0 h18 v15 l-3 3 l-3 -3 l-3 3 l-3 -3 l-3 3 l-3 -3 z\" fill=\"#5E7479\"><\/path><\/pattern><pattern id=\"g1dcc\" x=\"318\" y=\"44\" width=\"24\" height=\"24\" patternUnits=\"userSpaceOnUse\"><circle cx=\"9\" cy=\"9\" r=\"9\" fill=\"#D5EDEB\"><\/circle><\/pattern><pattern id=\"g1dco\" x=\"318\" y=\"44\" width=\"24\" height=\"24\" patternUnits=\"userSpaceOnUse\"><circle cx=\"9\" cy=\"9\" r=\"9\" fill=\"#00A4AE\"><\/circle><text x=\"9\" y=\"13\" font-size=\"11\" font-weight=\"800\" fill=\"#fff\" text-anchor=\"middle\">$<\/text><\/pattern><\/defs><rect x=\"0\" y=\"44\" width=\"240\" height=\"240\" fill=\"url(#g1dtc)\"><\/rect><rect x=\"0\" y=\"44\" width=\"216\" height=\"24\" fill=\"url(#g1dto)\"><\/rect><rect x=\"318\" y=\"44\" width=\"240\" height=\"240\" fill=\"url(#g1dcc)\"><\/rect><rect x=\"318\" y=\"44\" width=\"240\" height=\"48\" fill=\"url(#g1dco)\"><\/rect><text x=\"0\" y=\"26\" font-size=\"28\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">9.4&nbsp;%<\/text><text x=\"84\" y=\"24\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"600\">de cada 100 ventas<\/text><text x=\"318\" y=\"26\" font-size=\"28\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">19.9&nbsp;%<\/text><text x=\"419\" y=\"24\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"600\">de cada 100 pesos<\/text><\/svg><svg class=\"g-m\" viewBox=\"0 0 380 214\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs><pattern id=\"g1mtc\" x=\"0\" y=\"44\" width=\"17\" height=\"17\" patternUnits=\"userSpaceOnUse\"><path d=\"M0 0 h13 v10 l-2.167 3 l-2.167 -3 l-2.167 3 l-2.167 -3 l-2.167 3 l-2.167 -3 z\" fill=\"#D5EDEB\"><\/path><\/pattern><pattern id=\"g1mto\" x=\"0\" y=\"44\" width=\"17\" height=\"17\" patternUnits=\"userSpaceOnUse\"><path d=\"M0 0 h13 v10 l-2.167 3 l-2.167 -3 l-2.167 3 l-2.167 -3 l-2.167 3 l-2.167 -3 z\" fill=\"#5E7479\"><\/path><\/pattern><pattern id=\"g1mcc\" x=\"196\" y=\"44\" width=\"17\" height=\"17\" patternUnits=\"userSpaceOnUse\"><circle cx=\"6.5\" cy=\"6.5\" r=\"6.5\" fill=\"#D5EDEB\"><\/circle><\/pattern><pattern id=\"g1mco\" x=\"196\" y=\"44\" width=\"17\" height=\"17\" patternUnits=\"userSpaceOnUse\"><circle cx=\"6.5\" cy=\"6.5\" r=\"6.5\" fill=\"#00A4AE\"><\/circle><\/pattern><\/defs><rect x=\"0\" y=\"44\" width=\"170\" height=\"170\" fill=\"url(#g1mtc)\"><\/rect><rect x=\"0\" y=\"44\" width=\"153\" height=\"17\" fill=\"url(#g1mto)\"><\/rect><rect x=\"196\" y=\"44\" width=\"170\" height=\"170\" fill=\"url(#g1mcc)\"><\/rect><rect x=\"196\" y=\"44\" width=\"170\" height=\"34\" fill=\"url(#g1mco)\"><\/rect><text x=\"0\" y=\"26\" font-size=\"20\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">9.4&nbsp;%<\/text><text x=\"62\" y=\"24\" font-size=\"11\" fill=\"#2B4046\" font-weight=\"600\">de cada 100 ventas<\/text><text x=\"196\" y=\"26\" font-size=\"20\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">19.9&nbsp;%<\/text><text x=\"270\" y=\"24\" font-size=\"11\" fill=\"#2B4046\" font-weight=\"600\">de cada 100 pesos<\/text><\/svg><p class=\"nt\">* Mediana de los comercios que dan cr\u00e9dito, sobre el 100&nbsp;% de sus ventas y de su dinero. Cada \u00edcono es 1 de cada 100.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div><h2 id=\"por-que-el-mostrador-se-volvio-la-principal-fuente-de-credit\">\u00bfPor qu\u00e9 el mostrador se volvi\u00f3 la principal fuente de cr\u00e9dito para sus clientes?<\/h2><p class=\"respuesta\">Porque para muchos clientes es el \u00fanico cr\u00e9dito que tienen a la mano. Un banco pide historial crediticio y semanas de tr\u00e1mite, mientras que el comerciante conoce a su cliente, sabe d\u00f3nde trabaja y lo ve volver cada semana; con esa confianza le alcanza para entregarle la mercanc\u00eda hoy y cobrarla despu\u00e9s.<\/p><p>Adem\u00e1s, ese cr\u00e9dito no se da en cualquier compra. Casi nadie pide a cr\u00e9dito el refresco o el pan de todos los d\u00edas; lo que se pide a cr\u00e9dito es la compra que el cliente no puede pagar completa en ese momento, como el material de una obra o la refacci\u00f3n que no puede esperar. Por eso el 9.4&nbsp;% de las ventas termina pesando el 19.9&nbsp;% del dinero de la caja.<\/p><p>Visto desde el mostrador, entonces, vender a cr\u00e9dito permite cerrar una venta grande que de contado probablemente no se habr\u00eda hecho. La pregunta que queda es si ese dinero vuelve y en cu\u00e1nto tiempo, y eso es justo lo que muestran los datos de recuperaci\u00f3n.<\/p><h2 id=\"que-giros-dan-mas-credito-a-sus-clientes-en-mexico\">\u00bfQu\u00e9 giros dan m\u00e1s cr\u00e9dito a sus clientes en M\u00e9xico?<\/h2><p class=\"respuesta\">Las refaccionarias, las carnicer\u00edas y las ferreter\u00edas son los giros mexicanos donde m\u00e1s comercios dan cr\u00e9dito: en las refaccionarias da cr\u00e9dito el 70&nbsp;%. En las carnicer\u00edas el cr\u00e9dito pesa m\u00e1s en la caja, porque las ventas a cr\u00e9dito son el 56.5&nbsp;% del dinero del comercio que lo da. En las farmacias, en cambio, da cr\u00e9dito el 33&nbsp;%.<\/p><figure class=\"gfig gtabla-fig\" style=\"margin:22px 0 26px\"><p class=\"gt\">\u00bfQu\u00e9 giros dan m\u00e1s cr\u00e9dito a sus clientes?<\/p><p class=\"gresp\">En las refaccionarias da cr\u00e9dito el <b>70&nbsp;%<\/b> de los comercios; en las carnicer\u00edas, las ventas a cr\u00e9dito son el <b>56.5&nbsp;%<\/b> del dinero del comercio que da cr\u00e9dito.<\/p><div class=\"gtabla-wrap\"><table class=\"gtabla\"><thead><tr><th scope=\"col\">Giro<\/th><th scope=\"col\">Comercios que dan cr\u00e9dito<\/th><th scope=\"col\">Parte de su dinero que vende a cr\u00e9dito<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">Refaccionarias<\/th><td><div class=\"gc\"><span class=\"gv hi\">70&nbsp;%<\/span><span class=\"gr\"><i style=\"width:70%\" class=\"hi\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">22.9&nbsp;%<\/span><span class=\"gr\"><i style=\"width:22.9%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Carnicer\u00edas<\/th><td><div class=\"gc\"><span class=\"gv\">65&nbsp;%<\/span><span class=\"gr\"><i style=\"width:65%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv hi\">56.5&nbsp;%<\/span><span class=\"gr\"><i style=\"width:56.5%\" class=\"hi\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Ferreter\u00edas<\/th><td><div class=\"gc\"><span class=\"gv\">63&nbsp;%<\/span><span class=\"gr\"><i style=\"width:63%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">24.9&nbsp;%<\/span><span class=\"gr\"><i style=\"width:24.9%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Ropa<\/th><td><div class=\"gc\"><span class=\"gv\">59&nbsp;%<\/span><span class=\"gr\"><i style=\"width:59%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">17.8&nbsp;%<\/span><span class=\"gr\"><i style=\"width:17.8%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Art\u00edculos varios<\/th><td><div class=\"gc\"><span class=\"gv\">52&nbsp;%<\/span><span class=\"gr\"><i style=\"width:52%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">17.9&nbsp;%<\/span><span class=\"gr\"><i style=\"width:17.9%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Electr\u00f3nica<\/th><td><div class=\"gc\"><span class=\"gv\">48&nbsp;%<\/span><span class=\"gr\"><i style=\"width:48%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">13.7&nbsp;%<\/span><span class=\"gr\"><i style=\"width:13.7%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Abarrotes<\/th><td><div class=\"gc\"><span class=\"gv\">46&nbsp;%<\/span><span class=\"gr\"><i style=\"width:46%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">11.9&nbsp;%<\/span><span class=\"gr\"><i style=\"width:11.9%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><tr><th scope=\"row\">Farmacias<\/th><td><div class=\"gc\"><span class=\"gv\">33&nbsp;%<\/span><span class=\"gr\"><i style=\"width:33%\" class=\"\"><\/i><\/span><\/div><\/td><td><div class=\"gc\"><span class=\"gv\">9.7&nbsp;%<\/span><span class=\"gr\"><i style=\"width:9.7%\" class=\"\"><\/i><\/span><\/div><\/td><\/tr><\/tbody><\/table><\/div><p class=\"nt\">* Por giro, sobre el 100&nbsp;% en cada columna. Giros con 50 o m\u00e1s comercios que dan cr\u00e9dito.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure>\n\n\n<h2 id=\"cuanto-dinero-recuperan-los-comerciantes-mexicanos-cuando-da\">\u00bfCu\u00e1nto dinero recuperan los comerciantes mexicanos cuando dan cr\u00e9dito a sus clientes?<\/h2><p class=\"respuesta\">Los comerciantes mexicanos recuperan casi todo lo que venden a cr\u00e9dito: la mitad de los comercios recupera el 95&nbsp;% o m\u00e1s, y el 77&nbsp;% de las deudas ya est\u00e1 saldado. En el otro extremo, el 23.6&nbsp;% de los comercios recupera menos del 70&nbsp;%, y ah\u00ed se concentran las p\u00e9rdidas.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfCu\u00e1nto dinero recuperan los comercios que dan cr\u00e9dito?<\/p><p class=\"gresp\">La mitad de los comercios recupera el <b>95&nbsp;% o m\u00e1s<\/b> de lo que da a cr\u00e9dito.<\/p><svg class=\"g-d\" viewBox=\"0 0 600 262\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"190\" x2=\"190\" y1=\"4\" y2=\"240\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"190\" y=\"256\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"start\">0&nbsp;%<\/text><line x1=\"292.5\" x2=\"292.5\" y1=\"4\" y2=\"240\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"292.5\" y=\"256\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">25&nbsp;%<\/text><line x1=\"395\" x2=\"395\" y1=\"4\" y2=\"240\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"395\" y=\"256\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">50&nbsp;%<\/text><line x1=\"497.5\" x2=\"497.5\" y1=\"4\" y2=\"240\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"497.5\" y=\"256\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">75&nbsp;%<\/text><line x1=\"600\" x2=\"600\" y1=\"4\" y2=\"240\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"600\" y=\"256\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"0\" y=\"48\" font-size=\"44\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">48.8&nbsp;%<\/text><text x=\"190\" y=\"18\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"700\">Recupera el 95&nbsp;% o m\u00e1s<\/text><rect x=\"190\" y=\"28\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"28\" width=\"200.08\" height=\"16\" rx=\"8\" fill=\"#00A4AE\"><title>48.8&nbsp;% Recupera el 95&nbsp;% o m\u00e1s<\/title><\/rect><text x=\"0\" y=\"132\" font-size=\"34\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">27.6&nbsp;%<\/text><text x=\"190\" y=\"102\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Recupera entre el 70&nbsp;% y el 95&nbsp;%<\/text><rect x=\"190\" y=\"112\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"112\" width=\"113.16\" height=\"16\" rx=\"8\" fill=\"#93A8AC\"><title>27.6&nbsp;% Recupera entre el 70&nbsp;% y el 95&nbsp;%<\/title><\/rect><text x=\"0\" y=\"216\" font-size=\"34\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">23.6&nbsp;%<\/text><text x=\"190\" y=\"186\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Recupera menos del 70&nbsp;%<\/text><rect x=\"190\" y=\"196\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"196\" width=\"96.76\" height=\"16\" rx=\"8\" fill=\"#93A8AC\"><title>23.6&nbsp;% Recupera menos del 70&nbsp;%<\/title><\/rect><\/svg><svg class=\"g-m\" viewBox=\"0 0 380 208\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"126\" x2=\"126\" y1=\"4\" y2=\"186\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"126\" y=\"202\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"start\">0&nbsp;%<\/text><line x1=\"189.5\" x2=\"189.5\" y1=\"4\" y2=\"186\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"189.5\" y=\"202\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">25&nbsp;%<\/text><line x1=\"253\" x2=\"253\" y1=\"4\" y2=\"186\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"253\" y=\"202\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">50&nbsp;%<\/text><line x1=\"316.5\" x2=\"316.5\" y1=\"4\" y2=\"186\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"316.5\" y=\"202\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">75&nbsp;%<\/text><line x1=\"380\" x2=\"380\" y1=\"4\" y2=\"186\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"380\" y=\"202\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"0\" y=\"40\" font-size=\"30\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">48.8&nbsp;%<\/text><text x=\"126\" y=\"18\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"700\">Recupera el 95&nbsp;% o m\u00e1s<\/text><rect x=\"126\" y=\"28\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"28\" width=\"123.95\" height=\"12\" rx=\"6\" fill=\"#00A4AE\"><title>48.8&nbsp;% Recupera el 95&nbsp;% o m\u00e1s<\/title><\/rect><text x=\"0\" y=\"106\" font-size=\"24\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">27.6&nbsp;%<\/text><text x=\"126\" y=\"84\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Recupera entre el 70&nbsp;% y el 95&nbsp;%<\/text><rect x=\"126\" y=\"94\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"94\" width=\"70.1\" height=\"12\" rx=\"6\" fill=\"#93A8AC\"><title>27.6&nbsp;% Recupera entre el 70&nbsp;% y el 95&nbsp;%<\/title><\/rect><text x=\"0\" y=\"172\" font-size=\"24\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">23.6&nbsp;%<\/text><text x=\"126\" y=\"150\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Recupera menos del 70&nbsp;%<\/text><rect x=\"126\" y=\"160\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"160\" width=\"59.94\" height=\"12\" rx=\"6\" fill=\"#93A8AC\"><title>23.6&nbsp;% Recupera menos del 70&nbsp;%<\/title><\/rect><\/svg><p class=\"nt\">* Comercios que dan cr\u00e9dito, seg\u00fan cu\u00e1nto del dinero dado a cr\u00e9dito recuperan. Suman 100&nbsp;%.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div><h2 id=\"cuanto-tarda-en-volver-al-comerciante-el-dinero-que-da-a-cre\">\u00bfCu\u00e1nto tarda en volver al comerciante el dinero que da a cr\u00e9dito?<\/h2><p class=\"respuesta\">El dinero que un comerciante mexicano da a cr\u00e9dito vuelve r\u00e1pido: el 45&nbsp;% de las deudas que se cobran se paga en la primera semana, y una deuda se salda en una mediana de 9 d\u00edas. En la mitad de los comercios, el 85&nbsp;% o m\u00e1s de las deudas se paga de una sola vez, sin abonos.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfCu\u00e1nto tarda en cobrarse lo que se vende a cr\u00e9dito?<\/p><p class=\"gresp\">El <b>45&nbsp;%<\/b> de las deudas que se cobran se paga en los primeros 7 d\u00edas despu\u00e9s de registrarse.<\/p><svg class=\"g-d\" viewBox=\"0 0 600 258\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"44\" x2=\"584\" y1=\"214\" y2=\"214\" stroke=\"rgba(4,37,43,.10)\"><\/line><text x=\"36\" y=\"218\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">0&nbsp;%<\/text><line x1=\"44\" x2=\"584\" y1=\"119\" y2=\"119\" stroke=\"rgba(4,37,43,.10)\"><\/line><text x=\"36\" y=\"123\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">50&nbsp;%<\/text><line x1=\"44\" x2=\"584\" y1=\"24\" y2=\"24\" stroke=\"rgba(4,37,43,.10)\"><\/line><text x=\"36\" y=\"28\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><path d=\"M44 214 L44 176.38 L170 128.12 L584 66.94 L584 214 Z\" fill=\"rgba(0,164,174,.12)\"><\/path><path d=\"M44 176.38 L170 128.12 L584 66.94\" fill=\"none\" stroke=\"#00A4AE\" stroke-width=\"2.5\"><\/path><circle cx=\"44\" cy=\"176.38\" r=\"5\" fill=\"#00A4AE\" stroke=\"#fff\" stroke-width=\"2\"><title>19.8&nbsp;%<\/title><\/circle><line x1=\"170\" x2=\"170\" y1=\"128.12\" y2=\"214\" stroke=\"#007A82\" stroke-dasharray=\"3 3\"><\/line><circle cx=\"170\" cy=\"128.12\" r=\"7\" fill=\"#007A82\" stroke=\"#fff\" stroke-width=\"2\"><title>45.2&nbsp;% a los 7 d\u00edas<\/title><\/circle><text x=\"170\" y=\"98.12\" font-size=\"24\" fill=\"#007A82\" font-weight=\"800\" text-anchor=\"middle\" class=\"big\">45&nbsp;%<\/text><text x=\"170\" y=\"114.12\" font-size=\"12\" fill=\"#007A82\" font-weight=\"600\" text-anchor=\"middle\">a los 7 d\u00edas<\/text><circle cx=\"584\" cy=\"66.94\" r=\"5\" fill=\"#00A4AE\" stroke=\"#fff\" stroke-width=\"2\"><title>77.4&nbsp;%<\/title><\/circle><text x=\"44\" y=\"232\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"start\">0<\/text><text x=\"170\" y=\"232\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"middle\">7<\/text><text x=\"296\" y=\"232\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"middle\">14<\/text><text x=\"422\" y=\"232\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"middle\">21<\/text><text x=\"584\" y=\"232\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"end\">30 d\u00edas<\/text><\/svg><svg class=\"g-m\" viewBox=\"0 0 380 218\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"34\" x2=\"370\" y1=\"174\" y2=\"174\" stroke=\"rgba(4,37,43,.10)\"><\/line><text x=\"26\" y=\"178\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">0&nbsp;%<\/text><line x1=\"34\" x2=\"370\" y1=\"99\" y2=\"99\" stroke=\"rgba(4,37,43,.10)\"><\/line><text x=\"26\" y=\"103\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">50&nbsp;%<\/text><line x1=\"34\" x2=\"370\" y1=\"24\" y2=\"24\" stroke=\"rgba(4,37,43,.10)\"><\/line><text x=\"26\" y=\"28\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><path d=\"M34 174 L34 144.3 L112.4 106.2 L370 57.9 L370 174 Z\" fill=\"rgba(0,164,174,.12)\"><\/path><path d=\"M34 144.3 L112.4 106.2 L370 57.9\" fill=\"none\" stroke=\"#00A4AE\" stroke-width=\"2.5\"><\/path><circle cx=\"34\" cy=\"144.3\" r=\"5\" fill=\"#00A4AE\" stroke=\"#fff\" stroke-width=\"2\"><title>19.8&nbsp;%<\/title><\/circle><line x1=\"112.4\" x2=\"112.4\" y1=\"106.2\" y2=\"174\" stroke=\"#007A82\" stroke-dasharray=\"3 3\"><\/line><circle cx=\"112.4\" cy=\"106.2\" r=\"7\" fill=\"#007A82\" stroke=\"#fff\" stroke-width=\"2\"><title>45.2&nbsp;% a los 7 d\u00edas<\/title><\/circle><text x=\"112.4\" y=\"76.2\" font-size=\"20\" fill=\"#007A82\" font-weight=\"800\" text-anchor=\"middle\" class=\"big\">45&nbsp;%<\/text><text x=\"112.4\" y=\"92.2\" font-size=\"12\" fill=\"#007A82\" font-weight=\"600\" text-anchor=\"middle\">a los 7 d\u00edas<\/text><circle cx=\"370\" cy=\"57.9\" r=\"5\" fill=\"#00A4AE\" stroke=\"#fff\" stroke-width=\"2\"><title>77.4&nbsp;%<\/title><\/circle><text x=\"34\" y=\"192\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"start\">0<\/text><text x=\"112.4\" y=\"192\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"middle\">7<\/text><text x=\"190.8\" y=\"192\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"middle\">14<\/text><text x=\"269.2\" y=\"192\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"middle\">21<\/text><text x=\"370\" y=\"192\" font-size=\"11\" fill=\"#5E7479\" text-anchor=\"end\">30 d\u00edas<\/text><\/svg><p class=\"nt\">* Deudas de cr\u00e9dito que se cobraron: cu\u00e1nto se hab\u00eda cobrado a los N d\u00edas de registrarse.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div><h2 id=\"que-significa-que-el-credito-del-mostrador-funcione-para-el-\">\u00bfQu\u00e9 significa que el cr\u00e9dito del mostrador funcione para el comerciante mexicano?<\/h2><p class=\"respuesta\">Significa que, para la mayor\u00eda de los comerciantes, dar cr\u00e9dito es un riesgo bajo y un dinero que vuelve r\u00e1pido. La mitad de los comercios recupera el 95&nbsp;% o m\u00e1s de lo que vende a cr\u00e9dito, y la deuda t\u00edpica se salda en 9 d\u00edas, casi siempre de un solo pago. Es decir, se trata de un cr\u00e9dito corto, que se cobra en d\u00edas y no en meses.<\/p><p>La raz\u00f3n est\u00e1 en la relaci\u00f3n con el cliente. Quien compra a cr\u00e9dito en la ferreter\u00eda o en la carnicer\u00eda de siempre sabe que va a volver a comprar ah\u00ed, y que pagar a tiempo es lo que le permite seguir teniendo cr\u00e9dito en ese mostrador. As\u00ed, el comerciante cobra apoyado en una confianza que ya tiene construida.<\/p><p>Eso no quiere decir que no haya p\u00e9rdidas, aunque se concentran en pocos lugares. El 23.6&nbsp;% de los comercios recupera menos del 70&nbsp;% de lo que vende a cr\u00e9dito, y en algunos giros ese grupo crece: en belleza llega al 41&nbsp;% de los comercios. Para ellos, llevar el control de qui\u00e9n debe y desde cu\u00e1ndo pesa m\u00e1s que para el resto.<\/p><h2 id=\"como-pagan-los-clientes-lo-que-le-deben-al-comerciante\">\u00bfC\u00f3mo pagan los clientes lo que le deben al comerciante?<\/h2><p class=\"respuesta\">Los clientes pagan buena parte de lo que deben por transferencia: el 34&nbsp;% de los cobros de cr\u00e9dito entra por esa v\u00eda, contra el 13&nbsp;% de los pagos de una venta normal. El cliente que debe no siempre vuelve a la caja para pagar; muchas veces paga desde su celular, cuando tiene el dinero.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfC\u00f3mo pagan los clientes lo que le deben al comercio?<\/p><p class=\"gresp\">Al cobrar el cr\u00e9dito, el <b>34&nbsp;%<\/b> de los pagos entra por transferencia, contra el 13&nbsp;% en una venta normal.<\/p><svg class=\"g-d\" viewBox=\"0 0 600 178\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"190\" x2=\"190\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"190\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"start\">0&nbsp;%<\/text><line x1=\"292.5\" x2=\"292.5\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"292.5\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">25&nbsp;%<\/text><line x1=\"395\" x2=\"395\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"395\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">50&nbsp;%<\/text><line x1=\"497.5\" x2=\"497.5\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"497.5\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">75&nbsp;%<\/text><line x1=\"600\" x2=\"600\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"600\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"0\" y=\"48\" font-size=\"34\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">12.8&nbsp;%<\/text><text x=\"190\" y=\"18\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Pagos de una venta<\/text><rect x=\"190\" y=\"28\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"28\" width=\"52.48\" height=\"16\" rx=\"8\" fill=\"#93A8AC\"><title>12.8&nbsp;% Pagos de una venta<\/title><\/rect><text x=\"0\" y=\"132\" font-size=\"44\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">34.2&nbsp;%<\/text><text x=\"190\" y=\"102\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"700\">Cobros de cr\u00e9dito<\/text><rect x=\"190\" y=\"112\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"112\" width=\"140.22\" height=\"16\" rx=\"8\" fill=\"#00A4AE\"><title>34.2&nbsp;% Cobros de cr\u00e9dito<\/title><\/rect><\/svg><svg class=\"g-m\" viewBox=\"0 0 380 142\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"126\" x2=\"126\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"126\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"start\">0&nbsp;%<\/text><line x1=\"189.5\" x2=\"189.5\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"189.5\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">25&nbsp;%<\/text><line x1=\"253\" x2=\"253\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"253\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">50&nbsp;%<\/text><line x1=\"316.5\" x2=\"316.5\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"316.5\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">75&nbsp;%<\/text><line x1=\"380\" x2=\"380\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"380\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"0\" y=\"40\" font-size=\"24\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">12.8&nbsp;%<\/text><text x=\"126\" y=\"18\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Pagos de una venta<\/text><rect x=\"126\" y=\"28\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"28\" width=\"32.51\" height=\"12\" rx=\"6\" fill=\"#93A8AC\"><title>12.8&nbsp;% Pagos de una venta<\/title><\/rect><text x=\"0\" y=\"106\" font-size=\"30\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">34.2&nbsp;%<\/text><text x=\"126\" y=\"84\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"700\">Cobros de cr\u00e9dito<\/text><rect x=\"126\" y=\"94\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"94\" width=\"86.87\" height=\"12\" rx=\"6\" fill=\"#00A4AE\"><title>34.2&nbsp;% Cobros de cr\u00e9dito<\/title><\/rect><\/svg><p class=\"nt\">* Media por comercio, sobre el 100&nbsp;% de los pagos de cada tipo.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div><div class=\"pulpos-tip\"><span class=\"lbl\">Se conecta con<\/span><p><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/formas-de-pago\/\">\u00bfC\u00f3mo les pagan sus clientes a los comercios mexicanos?<\/a> El cobro del cr\u00e9dito es uno de los caminos por los que la transferencia entra al mostrador.<\/p><\/div><h2 id=\"los-comercios-que-dan-credito-tambien-compran-a-credito-a-su\">\u00bfLos comercios que dan cr\u00e9dito tambi\u00e9n compran a cr\u00e9dito a sus proveedores?<\/h2><p class=\"respuesta\">Los comercios que compran a cr\u00e9dito a sus proveedores tambi\u00e9n dan m\u00e1s cr\u00e9dito a sus clientes: el 84&nbsp;% da cr\u00e9dito, contra el 57&nbsp;% de los que le pagan de contado a su proveedor.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfLos comercios que compran a cr\u00e9dito tambi\u00e9n dan cr\u00e9dito?<\/p><p class=\"gresp\">S\u00ed: el <b>84&nbsp;%<\/b> de los que compran a cr\u00e9dito a su proveedor tambi\u00e9n da cr\u00e9dito, contra el 57&nbsp;% de los que pagan de contado.<\/p><svg class=\"g-d\" viewBox=\"0 0 600 178\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"190\" x2=\"190\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"190\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"start\">0&nbsp;%<\/text><line x1=\"292.5\" x2=\"292.5\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"292.5\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">25&nbsp;%<\/text><line x1=\"395\" x2=\"395\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"395\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">50&nbsp;%<\/text><line x1=\"497.5\" x2=\"497.5\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"497.5\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">75&nbsp;%<\/text><line x1=\"600\" x2=\"600\" y1=\"4\" y2=\"156\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"600\" y=\"172\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"0\" y=\"48\" font-size=\"44\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">84&nbsp;%<\/text><text x=\"190\" y=\"18\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"700\">Compran a cr\u00e9dito a su proveedor<\/text><rect x=\"190\" y=\"28\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"28\" width=\"344.4\" height=\"16\" rx=\"8\" fill=\"#00A4AE\"><title>84&nbsp;% Compran a cr\u00e9dito a su proveedor<\/title><\/rect><text x=\"0\" y=\"132\" font-size=\"34\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">57&nbsp;%<\/text><text x=\"190\" y=\"102\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Le pagan de contado<\/text><rect x=\"190\" y=\"112\" width=\"410\" height=\"16\" rx=\"8\" fill=\"#D5EDEB\"><\/rect><rect x=\"190\" y=\"112\" width=\"233.7\" height=\"16\" rx=\"8\" fill=\"#93A8AC\"><title>57&nbsp;% Le pagan de contado<\/title><\/rect><\/svg><svg class=\"g-m\" viewBox=\"0 0 380 142\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><line x1=\"126\" x2=\"126\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"126\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"start\">0&nbsp;%<\/text><line x1=\"189.5\" x2=\"189.5\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"189.5\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">25&nbsp;%<\/text><line x1=\"253\" x2=\"253\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"253\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">50&nbsp;%<\/text><line x1=\"316.5\" x2=\"316.5\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"316.5\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"middle\">75&nbsp;%<\/text><line x1=\"380\" x2=\"380\" y1=\"4\" y2=\"120\" stroke=\"rgba(4,37,43,.10)\" stroke-dasharray=\"2 4\"><\/line><text x=\"380\" y=\"136\" font-size=\"10.5\" fill=\"#93A8AC\" text-anchor=\"end\">100&nbsp;%<\/text><text x=\"0\" y=\"40\" font-size=\"30\" fill=\"#007A82\" font-weight=\"800\" class=\"big\">84&nbsp;%<\/text><text x=\"126\" y=\"18\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"700\">Compran a cr\u00e9dito a su proveedor<\/text><rect x=\"126\" y=\"28\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"28\" width=\"213.36\" height=\"12\" rx=\"6\" fill=\"#00A4AE\"><title>84&nbsp;% Compran a cr\u00e9dito a su proveedor<\/title><\/rect><text x=\"0\" y=\"106\" font-size=\"24\" fill=\"#5E7479\" font-weight=\"800\" class=\"big\">57&nbsp;%<\/text><text x=\"126\" y=\"84\" font-size=\"13\" fill=\"#2B4046\" font-weight=\"500\">Le pagan de contado<\/text><rect x=\"126\" y=\"94\" width=\"254\" height=\"12\" rx=\"6\" fill=\"#D5EDEB\"><\/rect><rect x=\"126\" y=\"94\" width=\"144.78\" height=\"12\" rx=\"6\" fill=\"#93A8AC\"><title>57&nbsp;% Le pagan de contado<\/title><\/rect><\/svg><p class=\"nt\">* Comercios que dan cr\u00e9dito, seg\u00fan c\u00f3mo le compran a su proveedor.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div>\n\n\n<h2 id=\"en-que-regiones-de-mexico-dan-mas-credito-los-comercios-a-su\">\u00bfEn qu\u00e9 regiones de M\u00e9xico dan m\u00e1s cr\u00e9dito los comercios a sus clientes?<\/h2><p class=\"respuesta\">En el norte y el Baj\u00edo dan cr\u00e9dito m\u00e1s comercios mexicanos y el cr\u00e9dito se lleva m\u00e1s dinero de la caja; en la Ciudad de M\u00e9xico dan menos cr\u00e9dito. La comparaci\u00f3n se hace dentro del mismo giro, as\u00ed que la diferencia no viene de la mezcla de negocios de cada regi\u00f3n.<\/p><div class=\"chart\" style=\"margin: 22px 0px 26px;\"><figure class=\"gfig\" style=\"margin:0\"><p class=\"gt\">\u00bfEn qu\u00e9 regiones dan m\u00e1s cr\u00e9dito los comercios?<\/p><p class=\"gresp\">En el norte, <b>7 puntos m\u00e1s<\/b> de comercios dan cr\u00e9dito de lo que se esperar\u00eda por sus giros; en la Ciudad de M\u00e9xico, 9 puntos menos.<\/p><svg class=\"mapa-mx\" viewBox=\"0 0 600 374\" role=\"img\" aria-label=\"Mapa de M\u00e9xico por regi\u00f3n: el norte y el Baj\u00edo dan m\u00e1s cr\u00e9dito de lo esperado por sus giros; el centro, el sur-sureste y la Ciudad de M\u00e9xico, menos.\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#fff\" stroke-width=\".8\" stroke-linejoin=\"round\"><path d=\"M365.8 271.8 368.2 275.6 367.9 280.8 363.2 280.3 361.5 277.8 360.7 276.1 363.6 271.7 365.1 270.1 365.8 271.8Z\" 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573.3 228.3 578.4 229.4ZM543.1 208.0 545.8 210.2 544.8 212.9 543.5 211.5 543.1 208.0Z\" fill=\"#B9C8CB\"\/><path d=\"M530.7 246.3 530.6 250.3 533.5 250.5 534.4 252.7 537.9 251.7 541.9 258.9 542.7 258.0 545.5 261.8 548.0 267.9 554.1 273.6 554.6 294.9 553.0 302.4 554.0 306.7 519.2 306.7 519.2 303.7 514.9 303.4 509.2 299.4 508.2 300.0 506.9 305.5 498.0 300.9 496.7 293.4 492.2 292.8 491.2 289.5 500.9 288.5 502.8 290.3 523.5 276.1 525.4 266.7 529.5 262.6 528.4 251.5 530.3 244.3 530.7 246.3Z\" fill=\"#B9C8CB\"\/><path d=\"M599.8 250.1 595.0 256.1 594.4 253.2 596.1 250.4 599.8 250.1ZM598.5 236.8 599.7 238.3 597.2 244.2 586.7 257.1 586.6 263.6 580.7 268.6 582.1 272.0 587.0 270.0 586.4 272.6 582.7 274.6 581.8 277.5 582.8 278.5 586.3 275.9 578.8 298.9 575.3 299.6 575.3 294.3 566.8 292.7 561.0 303.3 559.1 305.0 557.2 303.8 553.0 303.8 554.6 294.9 554.1 273.6 551.3 271.0 552.7 269.2 554.8 270.3 554.5 267.8 556.9 267.8 556.4 266.3 558.6 265.8 562.8 259.9 568.1 256.5 573.2 255.9 580.7 248.3 584.7 241.1 584.6 231.1 590.5 232.3 592.7 231.4 593.1 229.0 595.2 229.9 597.6 236.0 598.6 232.7 598.5 236.8Z\" fill=\"#B9C8CB\"\/><\/g><circle cx=\"365.0\" cy=\"273.4\" r=\"5\" fill=\"none\" stroke=\"#04252B\" stroke-width=\"1.5\"\/><line x1=\"369.0\" y1=\"269.4\" x2=\"418.5\" y2=\"212.2\" stroke=\"#04252B\" stroke-width=\"1\"\/><text x=\"420.5\" y=\"208.2\" font-size=\"14\" font-weight=\"700\" fill=\"#04252B\">CDMX<\/text><\/svg><ul class=\"mapa-ley\"><li><span class=\"sw\" style=\"background:#007A85\"><\/span><span class=\"nm hi\">Norte<\/span><span class=\"vl hi\">+7 pts<\/span><\/li><li><span class=\"sw\" style=\"background:#00A4AE\"><\/span><span class=\"nm hi\">Occidente y Baj\u00edo<\/span><span class=\"vl hi\">+4 pts<\/span><\/li><li><span class=\"sw\" style=\"background:#C9D6D8\"><\/span><span class=\"nm\">Centro<\/span><span class=\"vl\">\u22123.5 pts<\/span><\/li><li><span class=\"sw\" style=\"background:#B9C8CB\"><\/span><span class=\"nm\">Sur-sureste<\/span><span class=\"vl\">\u22124 pts<\/span><\/li><li><span class=\"sw\" style=\"background:#93A8AC\"><\/span><span class=\"nm\">Ciudad de M\u00e9xico<\/span><span class=\"vl\">\u22129 pts<\/span><\/li><\/ul><p class=\"nt\">* Diferencia entre los comercios que dan cr\u00e9dito en cada regi\u00f3n y lo que se esperar\u00eda por su mezcla de giros, en puntos. Cada estado toma el color de su regi\u00f3n: el estudio no publica cortes por estado. Promedio de marzo a agosto de 2026; el 24&nbsp;% de los comercios no tiene estado cargado y queda fuera.<\/p><div class=\"gf\"><span>Fuente: Estudio del comportamiento del comerciante mexicano; Pulpos 2026.<\/span><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png?w=1140&#038;ssl=1\" alt=\"Pulpos\"><\/div><\/figure><\/div>\n\n\n<h2 id=\"como-pasa-el-credito-del-proveedor-al-comercio-y-del-comerci\">\u00bfC\u00f3mo pasa el cr\u00e9dito del proveedor al comercio y del comercio al cliente?<\/h2><p class=\"respuesta\">El cr\u00e9dito pasa de mano en mano: el proveedor le da plazo al comercio y, con ese margen, el comercio le da plazo a su cliente. Por eso el 84&nbsp;% de los comercios que compran a cr\u00e9dito a su proveedor tambi\u00e9n vende a cr\u00e9dito, contra el 57&nbsp;% de los que le pagan de contado.<\/p><p>Sin embargo, esa cadena tiene un punto delicado. El comercio le paga a su proveedor en una fecha fija, mientras que a sus clientes les cobra cuando cada uno puede pagar. Ah\u00ed entra la transferencia, que le permite al cliente saldar su deuda sin volver a la caja, y por eso pesa mucho m\u00e1s en los cobros que en las ventas de todos los d\u00edas.<\/p><p>Al final, el comerciante que sabe cu\u00e1nto le deben y desde cu\u00e1ndo puede comprometerse con su proveedor sin adivinar. La regi\u00f3n cambia cu\u00e1nto cr\u00e9dito se da, como muestra el mapa, pero la cadena funciona igual en todo el pa\u00eds.<\/p><div class=\"en-resumen\"><ul><li>M\u00e1s de la mitad de los comercios mexicanos da cr\u00e9dito a sus clientes, frente a un 10.8&nbsp;% de unidades econ\u00f3micas con financiamiento formal.<\/li><li>Las ventas a cr\u00e9dito son el 9.4&nbsp;% de las ventas y el 19.9&nbsp;% del dinero, porque el cr\u00e9dito se da en la compra grande.<\/li><li>La mitad de los comercios recupera el 95&nbsp;% o m\u00e1s, y una deuda se salda en una mediana de 9 d\u00edas.<\/li><li>El 34&nbsp;% de los cobros de cr\u00e9dito entra por transferencia, y el 84&nbsp;% de los comercios con cr\u00e9dito de su proveedor tambi\u00e9n da cr\u00e9dito.<\/li><\/ul><\/div><div class=\"pulpos-cta cta-banner\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"iso\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2026\/10\/pulpos-isotipo-blanco.png?w=1140&#038;ssl=1\" alt=\"\" aria-hidden=\"true\"><div class=\"cb-txt\"><span class=\"cb-k\">Ventas a cr\u00e9dito en Pulpos<\/span><p class=\"cb-t\">El cr\u00e9dito se cobra mejor cuando queda anotado<\/p><p class=\"cb-s\">Qui\u00e9n te debe, cu\u00e1nto y desde cu\u00e1ndo, en el mismo sistema donde vendes.<\/p><a class=\"cb-btn\" href=\"https:\/\/pulpos.com\/crear-cuenta\/\">Prueba Pulpos 14 d\u00edas gratis<\/a><span class=\"cb-nota\">Sin tarjeta.<\/span><\/div><div class=\"cxc\" aria-hidden=\"true\"><div class=\"cx-h\"><span class=\"cx-i\">$<\/span><span class=\"cx-t\">Cuentas por cobrar<\/span><\/div><div class=\"cx-r cab\"><span>Qui\u00e9n<\/span><span class=\"d\">Desde<\/span><span class=\"e\">Estado<\/span><\/div><div class=\"cx-r\"><span>Taller mec\u00e1nico Sur<\/span><span class=\"d\">12 sep<\/span><span class=\"e v\">Vencida<\/span><\/div><div class=\"cx-r\"><span>Obra calle Ju\u00e1rez<\/span><span class=\"d\">28 sep<\/span><span class=\"e p\">Por vencer<\/span><\/div><div class=\"cx-r\"><span>Abarrotes La Esquina<\/span><span class=\"d\">2 oct<\/span><span class=\"e a\">Al d\u00eda<\/span><\/div><div class=\"cx-tot\"><span>Clientes con saldo<\/span><b>3<\/b><\/div><span class=\"cx-chip\">Enviar recordatorio<\/span><\/div><\/div><h2 id=\"preguntas-frecuentes-sobre-dar-credito-a-los-clientes-en-un-\">Preguntas frecuentes sobre dar cr\u00e9dito a los clientes en un comercio mexicano<\/h2><div class=\"pulpos-faq\"><div class=\"it\"><h3>\u00bfC\u00f3mo decidir cu\u00e1nto cr\u00e9dito darle a un cliente?<\/h3><p>Conviene fijar un l\u00edmite de cr\u00e9dito por cliente seg\u00fan cu\u00e1nto te compra y c\u00f3mo te ha pagado antes. Lo prudente es empezar con un monto bajo y subirlo cuando el cliente salda a tiempo sus primeras deudas. Un l\u00edmite escrito evita decidir en el mostrador, con el cliente enfrente, y hace que todo tu equipo le d\u00e9 el mismo cr\u00e9dito a la misma persona.<\/p><\/div><div class=\"it\"><h3>\u00bfC\u00f3mo llevar el control de lo que te deben tus clientes?<\/h3><p>Para controlar lo que te deben, cada venta a cr\u00e9dito tiene que quedar registrada con el cliente, el monto y la fecha. Con eso ves qu\u00e9 deudas ya pasaron de lo normal y a qui\u00e9n cobrarle primero. Los abonos se anotan contra la deuda, as\u00ed sabes el saldo real de cada cliente sin sumar a mano. M\u00e1s detalle en <a href=\"https:\/\/pulpos.com\/blog\/cobrar-facturar-ventas-credito-cuentas-por-cobrar\/\">c\u00f3mo evitar que las ventas a cr\u00e9dito descuadren tu cartera<\/a>.<\/p><\/div><div class=\"it\"><h3>\u00bfQu\u00e9 hacer cuando un cliente no paga lo que compr\u00f3 a cr\u00e9dito?<\/h3><p>Lo primero es recordarle la deuda pronto, por mensaje o en el mostrador, porque una deuda reciente se cobra con m\u00e1s facilidad que una vieja. Si no puede pagar completo, acuerden abonos con fechas concretas, y mientras tenga saldo pendiente conviene no darle cr\u00e9dito nuevo. Como referencia, la deuda que se cobra en un comercio mexicano se salda en una mediana de 9 d\u00edas, seg\u00fan el Estudio del comportamiento del comerciante mexicano de Pulpos.<\/p><\/div><div class=\"it\"><h3>\u00bfVender a cr\u00e9dito afecta el flujo de efectivo de un negocio?<\/h3><p>S\u00ed, porque lo que vendes a cr\u00e9dito ya sali\u00f3 de tu inventario pero todav\u00eda no entr\u00f3 a la caja. Mientras lo cobras, el negocio sigue pagando proveedores, renta y sueldos con el efectivo que s\u00ed tiene. Por eso conviene revisar cada semana cu\u00e1nto te deben y cu\u00e1ndo esperas cobrarlo, junto con lo que tienes que pagar. Una gu\u00eda para hacerlo: <a href=\"https:\/\/pulpos.com\/blog\/controlar-flujo-de-efectivo-sin-hoja-de-calculo\/\">c\u00f3mo controlar el flujo de efectivo de tu negocio sin hoja de c\u00e1lculo<\/a>.<\/p><\/div><div class=\"it\"><h3>\u00bfC\u00f3mo se factura una venta a cr\u00e9dito en M\u00e9xico?<\/h3><p>Una venta a cr\u00e9dito se factura con m\u00e9todo de pago PPD, pago en parcialidades o diferido, y forma de pago 99, por definir. Cada vez que el cliente paga, se emite un complemento de pago que registra ese cobro ante el SAT. Si se cobra completa al momento, la factura es PUE. El paso a paso est\u00e1 en <a href=\"https:\/\/pulpos.com\/blog\/complemento-de-pago-venta-a-credito\/\">c\u00f3mo emitir el complemento de pago de una venta a cr\u00e9dito<\/a>.<\/p><\/div><\/div><div class=\"fuentes\"><h2 id=\"fuentes\">Fuentes<\/h2><ol><li><a href=\"https:\/\/www.inegi.org.mx\/contenidos\/saladeprensa\/boletines\/2025\/ce\/CE2024_def_RR.pdf\">INEGI, Censos Econ\u00f3micos 2024<\/a><\/li><li><a href=\"https:\/\/www.oecd.org\/es\/publications\/2024\/07\/sme-policy-index-latin-america-and-the-caribbean-2024_d0ab1c40.html\">OCDE, CAF y SELA, SME Policy Index: Am\u00e9rica Latina y el Caribe 2024<\/a><\/li><li><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/\">Estudio del comportamiento del comerciante mexicano, Pulpos 2026<\/a><\/li><\/ol><\/div><div class=\"citar\"><span class=\"lbl\">C\u00f3mo citar este cap\u00edtulo<\/span><pre>Ram\u00edrez, C. (2026). \u00bfC\u00f3mo funciona el cr\u00e9dito en los comercios mexicanos? En El Mostrador en cifras 2026: Estudio del comportamiento del comerciante mexicano. Pulpos. https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/credito\/<\/pre><\/div><div class=\"autor-box\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"ab-foto\" src=\"https:\/\/i0.wp.com\/pulpos.com\/blog\/wp-content\/uploads\/2026\/10\/camila-ramirez-pulpos.jpg?resize=88%2C88&#038;ssl=1\" alt=\"Camila Ram\u00edrez\" width=\"88\" height=\"88\"><div class=\"ab-txt\"><span class=\"ab-k\">Sobre la autora<\/span><p class=\"ab-nombre\"><a href=\"https:\/\/pulpos.com\/blog\/author\/camilaramirez8\/\">Camila Ram\u00edrez<\/a><\/p><p class=\"ab-rol\">Product Marketing Manager en Pulpos y conductora de El Mostrador<\/p><p class=\"ab-bio\">Camila Ram\u00edrez es Product Marketing Manager en Pulpos y conductora de El Mostrador, el podcast de Pulpos para comerciantes. Coordin\u00f3 la investigaci\u00f3n de El Mostrador en cifras 2026 y escribe sobre gesti\u00f3n, ventas e inventario desde la realidad del mostrador.<\/p><p class=\"ab-links\"><a href=\"https:\/\/www.linkedin.com\/in\/camila-ram%C3%ADrez-758110415\/\">LinkedIn<\/a> \u00b7 <a href=\"https:\/\/pulpos.com\/blog\/author\/camilaramirez8\/\">Art\u00edculos de Camila en el blog<\/a><\/p><\/div><\/div><div class=\"prevnext\"><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/formas-de-pago\/\"><small>Cap\u00edtulo anterior<\/small>\u00bfC\u00f3mo les pagan sus clientes a los comercios mexicanos?<\/a><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/cotizaciones\/\" style=\"text-align:right\"><small>Cap\u00edtulo siguiente<\/small>\u00bfCu\u00e1nto de lo que cotiza un comercio mexicano se vuelve venta?<\/a><\/div><div class=\"letra-chica\"><b>Notas de este cap\u00edtulo.<\/b> Se mide el cr\u00e9dito registrado en el sistema; el que se anota en una libreta no queda. No se mide a qui\u00e9n se le da cr\u00e9dito ni el cr\u00e9dito del comercio con bancos o financieras. La recuperaci\u00f3n se mide sobre deudas de marzo a julio con 55 d\u00edas o m\u00e1s de plazo, en comercios con tres o m\u00e1s deudas. <a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/metodologia\/\" style=\"color:var(--g600)\">Metodolog\u00eda completa<\/a>.<\/div><\/div><aside class=\"lateral\"><div class=\"side\"><h4>En este cap\u00edtulo<\/h4><ol><li><a href=\"#cuantos-comercios-mexicanos-dan-credito-a-sus-clientes-cada-\">Cu\u00e1ntos dan cr\u00e9dito<\/a><\/li><li><a href=\"#que-parte-de-sus-ventas-hace-a-credito-un-comercio-en-mexico\">Qu\u00e9 parte de las ventas<\/a><\/li><li><a href=\"#por-que-el-mostrador-se-volvio-la-principal-fuente-de-credit\">Por qu\u00e9 el mostrador da cr\u00e9dito<\/a><\/li><li><a href=\"#que-giros-dan-mas-credito-a-sus-clientes-en-mexico\">Qu\u00e9 giros<\/a><\/li><li><a href=\"#cuanto-dinero-recuperan-los-comerciantes-mexicanos-cuando-da\">Cu\u00e1nto se recupera<\/a><\/li><li><a href=\"#cuanto-tarda-en-volver-al-comerciante-el-dinero-que-da-a-cre\">Cu\u00e1nto tarda en volver<\/a><\/li><li><a href=\"#que-significa-que-el-credito-del-mostrador-funcione-para-el-\">Qu\u00e9 significa que funcione<\/a><\/li><li><a href=\"#como-pagan-los-clientes-lo-que-le-deben-al-comerciante\">C\u00f3mo se paga<\/a><\/li><li><a href=\"#los-comercios-que-dan-credito-tambien-compran-a-credito-a-su\">Cr\u00e9dito del proveedor<\/a><\/li><li><a href=\"#en-que-regiones-de-mexico-dan-mas-credito-los-comercios-a-su\">Regiones<\/a><\/li><li><a href=\"#como-pasa-el-credito-del-proveedor-al-comercio-y-del-comerci\">La cadena del cr\u00e9dito<\/a><\/li><\/ol><\/div><div class=\"side\"><h4>El estudio en PDF<\/h4><p style=\"text-align:left\">Este cap\u00edtulo y los otros siete, dise\u00f1ados para descargar.<\/p><p style=\"text-align:left;margin-top:8px\"><a href=\"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/metodologia\/#donde-se-descarga-el-estudio-completo\">Descargar el PDF<\/a><\/p><\/div><\/aside><\/div><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\u00bfC\u00f3mo funciona el cr\u00e9dito en los comercios mexicanos?\", \"name\": \"\u00bfC\u00f3mo funciona el cr\u00e9dito en los comercios mexicanos?\", \"description\": \"Cu\u00e1ntos comercios mexicanos dan cr\u00e9dito a sus clientes, cu\u00e1nto venden a cr\u00e9dito, cu\u00e1nto recuperan y en cu\u00e1nto tiempo vuelve el dinero.\", \"url\": \"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/credito\/\", \"mainEntityOfPage\": \"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/credito\/\", \"inLanguage\": \"es-MX\", \"author\": {\"@type\": \"Person\", \"@id\": \"https:\/\/pulpos.com\/blog\/author\/camilaramirez8\/#person\", \"name\": \"Camila Ram\u00edrez\", \"url\": \"https:\/\/pulpos.com\/blog\/author\/camilaramirez8\/\", \"sameAs\": [\"https:\/\/www.linkedin.com\/in\/camila-ram%C3%ADrez-758110415\/\", \"https:\/\/www.reddit.com\/user\/CauliflowerAsleep700\/\"], \"jobTitle\": \"Product Marketing Manager\", \"image\": \"https:\/\/pulpos.com\/blog\/wp-content\/uploads\/2026\/10\/camila-ramirez-pulpos.jpg\", \"worksFor\": {\"@type\": \"Organization\", \"name\": \"Pulpos\", \"url\": \"https:\/\/pulpos.com\/\"}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Pulpos\", \"url\": \"https:\/\/pulpos.com\/\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/pulpos.com\/blog\/wp-content\/uploads\/2022\/12\/Transparent-2.png\"}}, \"isPartOf\": {\"@type\": \"CreativeWork\", \"name\": \"El Mostrador en cifras 2026\", \"url\": \"https:\/\/pulpos.com\/blog\/estudios\/comerciante-mexicano\/\"}}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"\u00bfC\u00f3mo decidir cu\u00e1nto cr\u00e9dito darle a un cliente?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Conviene fijar un l\u00edmite de cr\u00e9dito por cliente seg\u00fan cu\u00e1nto te compra y c\u00f3mo te ha pagado antes. 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