Our founding partner, José Roca, has been one of the featured voices in the Empresa supplement of Levante-EMV, where he addresses one of the main challenges many SMEs face today: access to finance in an increasingly demanding and selective economic environment.
In the interview, José Roca focuses on a key concept for companies’ financial health: the “year-end financial snapshot”, understood as the image a company projects to banks, funds, investors and alternative financiers when they assess its solvency.
As our founding partner explains, this “snapshot” determines how different financiers perceive a business. In a context marked by economic uncertainty, geopolitical volatility and tighter risk criteria, having a solid, well-structured and transparent balance sheet becomes a strategic asset.
In José Roca’s words, “a company that reaches December with a balance sheet that conveys security and stability, especially in volatile environments, has a clear competitive advantage.”
During the conversation, our founding partner analyses how access to finance has changed in recent years. Traditional banking no longer covers all corporate financing needs, and lending criteria have become stricter, forcing SMEs to explore new routes.
In this scenario, alternative finance and the diversification of funding sources are playing an increasingly important role. And at Kaizen Consulting we see this every day: companies that broaden their range of options enjoy greater negotiating power, more flexibility and stronger resilience.
Another key message from the interview is the need for anticipation. Many companies seek financing when they are already under pressure, with liquidity constraints or exhausted working capital, which drastically reduces their options. As José Roca points out, anticipating financing needs and strengthening the financial structure makes it possible to negotiate better terms, access more alternatives and avoid forced decisions.
At Kaizen Consulting, we believe that diversifying sources of finance is an essential tool for improving business resilience. Having access to specialised bank financing, alternative funding or international solutions allows companies to tailor their financial structure to their specific reality, sector and projects. Moreover, the financial ecosystem has evolved significantly in recent years, with the emergence of more flexible instruments adapted to the real needs of businesses—provided they know how and when to access them.
The interview concludes with a clear reflection: companies that want to face the new financial year with confidence must focus on strengthening liquidity, presenting a balanced financial structure and analysing the best financing options in advance. Ultimately, our commitment is to support businesses not only in securing finance, but also in the strategic planning of their growth, helping them make informed and sustainable decisions over time.
