Recommendations to expand your private clinic or clinic

Image result for private clinicYour private clinic or practice has an ally in innovation to have more patients and emerge in the market, says the international consultancy KPMG. However, you must have certain considerations before taking the first step to implement it.


In his report Health Sector: Challenges, Innovation and Potential , he states that before any movement, an adequate planning of offers of goods and services is vital, where a return on investment is assured. For example, for a private clinic may be the specialization or in the case of a smaller business such as a pharmacy, install an adjoining medical office.


According to the consultant, all companies have to decide how to grow, expand or maintain themselves. In this sense, the consultant classified the challenges that health businesses currently face.


  1. Business growth. It consists of forecasting the demand potential in case of adding new services and current capacity. This has favorable implications such as the increase in sales and positioning in the market, but unfavorable as a high investment and high operating cost to implement these changes.
  2. Strengthening and expansion of product portfolio . In this issue, a projection of the demand for the new products to be offered must also be made, as well as ensuring the supply chain, in addition to regulatory compliance (such as Cofepris). Obviously implementing these changes will represent an increase in sales and positioning in the market, however, it can also represent a high operating cost.
  3. Process optimization. This refers to evaluating the parameters and detecting where there may be deficiencies to correct them. Identify also what other factors alter this, such as deficient tax burdens. Reviewing these parameters will allow for timely corrections and improve productivity, reduce costs and improve competitiveness, although this may have low appeal for users and service payers.


The consultant also reiterates that another reference to choose a strategy towards expansion has to do with the adoption of new technologies to address the growing problems: attention to heart attacks and timely detection of cancer. In this issue the country is still at levels of improvement, according to the OECD .


Implementing new technologies is not always easy, especially for small establishments. In this sense, the lease is one of the options to acquire fixed assets that can support more establishments with less than 10 beds because they do not occupy credit lines and on the contrary, offer tax advantages such as deduction in the payments -as well as fuels or maintenance of inputs-.


How to access the lease of medical equipment

  1. Identify what type of machinery or equipment you need and suppliers.
  2. Once you have determined the model, quantity or functions, request a quote.
  3. Submit this quote to the lessor, along with the corresponding documents.
  4. The lessor will make a rental plan with option to purchase at the end of the period for a residual amount, renewal of the contract -where sometimes equipment update is included- and even termination of the contract.
  5. Get the most out of the inputs and grow your business.


Crédito Real wants to be that ally in the growth and consolidation of your business. Check with our advisors about the options we have for you.

3 things you should check before hiring life insurance

Image result for life insurance“Life is very simple but we insist on making it complicated” Confucius.

Having life insurance brings stability to the family. If you have dependent children or dependents, perhaps you are considering hiring one. We know how important it is to be clear about taking the step, so let’s help you make this choice as easy as possible.



This depends on your personal situation. In order to calculate it, you have to take into account the following:

  • Number of family income : It is not the same for only one member of the family to work for both of them.
  • Number of dependent children economically.
  • Age of the children and time they need to continue depending on the income of the family until they are totally self-sufficient.
  • Loans and outstanding debts that must continue paying in the case of premature death.




In addition to the death of the owner, you can cover a series of circumstances in which we would have to make an economic outlay so that we may not be prepared:

  • Advance of Inheritance Tax
  • Permanent and absolute disability
  • Legal advice
  • Psychological attention


In addition, there are some insurances that also cover the following:

  • Diagnosis of breast cancer
  • Diagnosis of prostate cancer
  • Death of both spouses .

Keep in mind that certain risks may not be included , such as a motorcycle accident or derived from the practice of a risky sport. You always have to confirm the coverages with the insurer that is hired.



Since we are going to make a very important decision for the future of the family , it is crucial to weigh among the various options offered by insurers.

Most insurers offer on their websites a table where you can compare the coverage of each product , and even online insurance calculators to simulate what it would cost you.



Sometimes we do not start thinking about hiring life insurance until we fall ill and become pessimistic. Error! The best time to buy life insurance is precisely when we enjoy good health . Why? The companies make health questionnaires to assess this status and, in the case of having a problem, you can reject our policy or add certain surcharges.


We hope these tips will help you when making a decision about whether or not to buy life insurance, and if so, which one. And if you have already decided to secure the future of yours, congratulations! From now on you can worry less and dedicate yourself to what really matters, enjoy life with those you love the most .


Image result for official state gazetteThe Official State Gazette (BOE) publishes in its edition of April 3, 2018, the regulatory bases for the application of subsidies for the execution of innovative projects, in addition to the modification of Royal Decree 253/2016 for the creation of supra-autonomous operating groups.

This decree marks the first time that the implementation of innovation projects of general interest for a sector has been launched, defined and designed by supra-autonomous operating groups. These projects must be executed within a maximum period of 3 years, and start from an innovative idea in order to solve possible problems that may arise in their scope of action. On the other hand, it is not necessary that these groups had presented last year 2017 to the creation phase previously named.

In the creation phase, the maximum aid limit is € 100,000 and in the project phase of € 600,000 , and the eligible expenses will be those incurred in the period between the application for the aid until the date set by the corresponding call. With regard to innovative projects, the subsidy will be 100%, for those focused on products included in Annex I of the TFEU, as well as forest products.

5 ideas to take advantage of loans to government workers

When you are a worker of a governmental institution you have a series of benefits behind you.

Do you want to take advantage of them?

Loans to government workers and all its advantages are one of the wonders of life for those who work in these institutions.

Before applying for a loan was a very slow thing, in addition, it was difficult to find financial information available to know more about the subject and invest in a better way, however, today things have changed.

Now surely you will know that credits are an opportunity for financial growth not only because it helps you to pay debts that you may have had for a long time and that do not allow you to get ahead, in reality, this is not meaning of financial growth.

Net1comm small payday loan allow you to make changes in your present and enjoy long-term benefits.

To give you an idea, we want to tell you about some benefits that you can enjoy and that you are probably missing because you do not dare to apply for a loan for government workers :

Savings for retirement

Did you know that retirement should be a project in life?

It is not just about wanting it and waiting for the moment it arrives, in fact, retirement is a stage that must be planned and dealt with consciously many years before.

If you already have one of the loans to government workers you should take advantage of it and get the most out of it to obtain benefits that last.

One way to do this is by investing in a business that can also become your family’s assets and be one of the pillars of your retirement savings account.

Although you know you can count on a pension, this will probably become an insufficient income to live this moment in a dignified manner, which is why it is better to secure at least another income for the future with the investment of loans for government employees federal.

Opportunity to request increasing credits

A credit for government workers is also an opportunity to know how to invest your money in a better way, that is, if your first loan was $ 50 thousand pesos, little by little you will learn and take the experience with your finances, which is why the amount requests will be growing.

This gives you the opportunity to plan larger projects than you had at the beginning.

Maybe if with the first loans to government workers you could buy a car, now you can start a business that allows you to get money from your investment.

Always remember to think big, personal discount loans via payroll allow you to continue increasing your chances.

A family business for the future of your children

With a credit for government workers, you can think of projects that will be really fruitful for you and your family.

If you already tried to start a business that did not need a lot of investment and did not give the results you wanted, then you need a credit for government workers that allows you to have access to a higher investment.

If you already have the idea, then all you need is financial capital.

At Credifiel we can offer you a very simple way since working in a government institution gives you the opportunity to have access to more and better financial tools.

Some of the businesses that are most profitable today have to do with personal care and beauty as well as all the products that revolve around this turn.

Also the food industry as well as all the issues that have to do with pets from personal care to the accessories that people like to buy.

The growth of your finances

The benefit of loans to government workers and also, to have a good financial organization is that you will see in a safe way that your pockets will grow.

Like everything, it is necessary that you have patience and above all a lot of dedication since it can be a process that does not happen in a few days, however, the perseverance will be the one that will lead you to success.

Once your finances grow, it will be much easier to buy the house you have always rented or, update the model of your car and go with your family to take a long vacation.

The only way to get your finances going is to bet on loans with discounts via payroll for government workers.

Good credit history

Although in Credifiel we grant loans through payroll without a credit bureau, it is always necessary to have a good credit history that could be useful in the future for future projects.

Remember that references in life are important and as we take care of interpersonal relationships with our colleagues, we must also do so with everything that we have a close relationship.

As a very common saying goes, “the world is very small” and we never know when we may need a financial reference. Taking advantage of your credit can have more benefits than you apparently believe.

If you are still not enjoying benefits like these, then you’d better hurry to make your request.

Remember that time passes very quickly and although you probably still think of retirement as a stage for which “there is still a lot”, reality paints another color.

In addition, the ideal is to think at that time since we are young for which, you should start saving right now because you probably have some years of delay.

On the other hand, there is no saving that remains and it is best to start making investments and settle accounts as soon as possible so that as time goes by, your pockets are released and you can increase the economic security of your entire family.

Stop losing money and apply for a loan.

5 advantages of applying for a loan for small amounts

Do you need to finance the purchase of a car? Or maybe, are you thinking of giving the down payment on your new home? Given the daily expenses it is possible that finances are complicated and we do not know how to get out, sometimes we have to juggle to be able to succeed and keep ourselves unharmed from all the monthly expenses that derive from the children’s schools, work, and transportation that It is used in each of the transfers.

When you think about a financing method, the first thing that comes to mind is to get a loan. But to be able to obtain the credit more aligned to your needs, first, it is fundamental that you know which are the objectives and the debts that you wish to cover, in this way you can avoid falling into a long-term financing which later complicates you the payments.

Why do small loans turn out to be better for small debts? Here we tell you what are the advantages of obtaining a small loan that, in the future, could help you to obtain better income and to settle your accounts:

You will pay a lower amount of interest: It is true that one of the limitations that people find in the credits is to think about the interests. It is logical that it scares to know that the amount you borrowed could double or even triple at the time of finalizing the payment, however, there are those who still think about this aspect immediately upon hearing the word “Credit”. In the case of credits for small amounts, the amount of interest is also reduced. It would not be the same to talk about a loan for $ 500,000 to talk about financing for $ 50,000.

Remember that interest is charged according to the guarantee or the risk of the loan. Maybe you could think of small loans from now on instead of requesting only a very large one. The term of your credit will be shorter: Nobody likes to live with the pressure of knowing that you have a long-term debt, or do you? The type of credits that are long-term is recommended only for real estate investments or in really very large amounts. With small loans, you can also get a return on investment much faster, depending on the object to which you have assigned it.

Also, it will be a great relief if you get rid of a few years of interest and the insomnia that this generates. The best thing is that you are practical and commit yourself with small amounts, better to risk winning with little and then apply for a much larger credit than wanting to eat all the cake from the beginning.

You can get a refinance in a short time: A small credit was not enough? Have you already obtained the profits of your first investment and now you want to invest again? A loan always becomes a financial weapon for those who wish to grow their assets. Whether you want to buy a car or buy your own home for your children, this can be done through various credits. In Credifiel once you have finished paying your credit you can request a new one and you will not have to wait for the approval of anyone, this is one of the advantages of requesting financial credits through the government institution where you work.

You ensure your investments: With small credits you can invest in different objectives and go fulfilling each of them little by little, ensuring that the investment will return to you and in a better way. If you buy a house, your investment will never have a limit because the goodwill will make the value of the property always grow and the return of the investment never ends.

In the case of cars, we know that their value may decrease but that is why you should get the most out of it so the investment will not only be paid economically but also emotionally. Similarly, if you decide to invest in a business that will also help you keep working and give you the possibility of having access to a better retirement, the benefits will live with you every day.

You have a specific objective to fulfill: We could say that small credits get you out of a hurry quickly and you can also finish paying them in a short period of time. And is that generally these “troubles” are translated into specific objectives so that your money will not be wasted. In addition, a quick credit can get you out of many debts that over time increase and start to eat all your capital and also affect you personally.

In conclusion, we can say that credits for small amounts are a way to grow your capital quickly. In addition, you can also ensure that the benefits of investing your money will appear in a faster and more timely manner. Through Credifiel, in partnership with your government institution, you can obtain financial credits and credits via payroll.

In addition to obtaining credits for small amounts, you can ensure the return of your investment and contact us again to obtain a refinancing at the time you have finished paying off your first loan. Quickly and easily, settle your debts and start investing in your next future which can be just as you dreamed. Meet us via Left-bank homepage and get payday loans.