Guides and Resources
Information to
understand your options
Readings on savings and investment, private equity, and international expansion. Choose the topic that interests you and start with what you need to clarify.
Savings and investmentWhat to prepare before discussing investments
You do not need to choose a product before consulting. It is more useful to start with the objective, timeframe, and liquidity you need for your capital.
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Start with what you want to achieve
This may be preparing for retirement, structuring your savings, or meeting a future expense. Put your objective in writing, along with when you anticipate needing the capital.
Review your starting point
Prepare an overview of your income, regular expenses, debts, and available savings. Distinguish the capital you can invest from what you need for commitments and unforeseen expenses.
Address potential losses as well
The discussion must cover how much risk you can assume, how a decline in the investment's value would impact you, and what portion of the capital you need to keep accessible. Timeframe, costs, and the ability to recover the investment are integral to the decision.
Bring the terms of your existing products and any unresolved questions. There is no need to arrive with a predetermined choice.
Consult SR Financial ↗Further reading: How to make investment decisions - CNMV
Private EquityWhat to review in a private investment
Before evaluating a private opportunity, you must thoroughly understand the contract and the terms of the transaction.
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Identify what you are contracting
Verify who is signing with you, who manages the operation, to whom you deliver the funds, and what rights you acquire. Commercial designations do not replace contractual documentation.
Review exit conditions
Inquire about the projected timeframe, the options for recovering or transferring your position, and the associated costs. An estimated target date does not mean capital can be accessed at any time.
Distinguish projections from commitments
Examine how performance is calculated, what reporting you will receive, and what occurs if the project faces delays or falls short of projections. If a guarantee is mentioned, request clarification on its scope and where it is legally documented.
Do not decide based solely on a pitch deck. Request the contract, financial terms, and risk disclosures. If anything remains unclear, resolve it prior to signing.
Consult SR Access ↗Further reading: Obtaining proper information - CNMV
International ExpansionWhat to prepare before expanding abroad
To begin evaluating a new market, it is best to structure the information the company already possesses alongside the questions that remain unresolved.
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Define what you want to achieve
Exporting from Spain, partnering with a distributor, or establishing a local entity are distinct strategic paths. Clearly define your objective and the target markets to study.
Review available resources
Identify who can dedicate time to the project, the budget you can allocate, and the company's capacity to absorb new demand. Account for adaptation costs, travel, and local advisory support.
Prepare your market questions
Organize your insights regarding clients, competition, sales channels, and pricing structures. Identify the regulatory requirements, certifications, or market-entry barriers that must be verified with in-country professionals.
An initial consultation will be far more effective if you bring an overview of your business activity, the countries of interest, and the preliminary groundwork already completed.
Consult SR Corporate ↗Further reading: Internationalization manual - ICEX
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