Hoja Trabajo Finanzas - 2021

INVERSION
1 - 2- 3- 4 - 5 .......n
HAY LIQUIDEZ?
HAY SOLVENCIA?
HAY RENTABILIDAD?
ENCIA?
ABILIDAD?
VALOR RESIDUAL
O
DE SALIDA DEL
NEGOCIO
Propuesta 0 y 1
Crédito -$64,080,000
Nº cuotas 12
Intereses 1.40%
Valor cuota $5,838,320
Crédito -$64,080,000
Nº cuotas 12 3 meses de gracia
Intereses 1.40%
PRINCIPAL INTERES VALOR TOTAL PAGO

1 $64,020,000 $896,280 $64,916,280 $5,838,320
2 $59,077,960 $827,091 $59,905,051 $5,838,320
3 $54,066,731 $756,934 $54,823,665 $5,838,320
4 $48,985,345 $685,795 $49,671,140 $5,838,320
5 $43,832,820 $613,659 $44,446,479 $5,838,320
6 $38,608,159 $540,514 $39,148,673 $5,838,320
7 $33,310,353 $466,345 $33,776,698 $5,838,320
8 $27,938,378 $391,137 $28,329,515 $5,838,320
9 $22,491,195 $314,877 $22,806,072 $5,838,320
10 $16,967,752 $237,549 $17,205,300 $5,838,320
11 $11,366,980 $159,138 $11,526,118 $5,838,320
12 $5,687,797 $79,629 $5,767,427 $5,838,320
Propuesta 2
Crédito -$85,000,000
Nº cuotas 12
Intereses 1.40%
Crédito -$64,020,000
Intereses 1.40%

1 $64,020,000 $896,280 $64,916,280 $5,832,854
2 $59,083,426 $827,168 $59,910,594 $5,832,854
3 $54,077,741 $757,088 $54,834,829 $5,832,854
4 $49,001,976 $686,028 $49,688,003 $5,832,854
5 $43,855,150 $613,972 $44,469,122 $5,832,854
6 $38,636,268 $540,908 $39,177,176 $5,832,854
7 $33,344,322 $466,821 $33,811,143 $5,832,854
8 $27,978,289 $391,696 $28,369,985 $5,832,854
9 $22,537,132 $315,520 $22,852,652 $5,832,854
10 $17,019,798 $238,277 $17,258,075 $5,832,854
11 $11,425,222 $159,953 $11,585,175 $5,832,854
12 $5,752,321 $80,532 $5,832,854 $5,832,854
Propuesta 3
Crédito -$36,080,000
Nº cuotas 12
Intereses 1.40%
Crédito -$64,020,000
Intereses 1.40%

1 $64,020,000 $896,280 $64,916,280 $5,832,854
2 $59,083,426 $827,168 $59,910,594 $5,832,854
3 $54,077,741 $757,088 $54,834,829 $5,832,854
4 $49,001,976 $686,028 $49,688,003 $5,832,854
5 $43,855,150 $613,972 $44,469,122 $5,832,854
6 $38,636,268 $540,908 $39,177,176 $5,832,854
7 $33,344,322 $466,821 $33,811,143 $5,832,854
8 $27,978,289 $391,696 $28,369,985 $5,832,854
9 $22,537,132 $315,520 $22,852,652 $5,832,854
10 $17,019,798 $238,277 $17,258,075 $5,832,854
11 $11,425,222 $159,953 $11,585,175 $5,832,854
12 $5,752,321 $80,532 $5,832,854 $5,832,854
Propuesta 4
Crédito -$29,000,000
Nº cuotas 12
Intereses 1.40%
Crédito -$64,020,000
Intereses 1.40%
1 $64,020,000 $896,280 $64,916,280 $5,832,854
2 $59,083,426 $827,168 $59,910,594 $5,832,854
3 $54,077,741 $757,088 $54,834,829 $5,832,854
4 $49,001,976 $686,028 $49,688,003 $5,832,854
5 $43,855,150 $613,972 $44,469,122 $5,832,854
6 $38,636,268 $540,908 $39,177,176 $5,832,854
7 $33,344,322 $466,821 $33,811,143 $5,832,854
8 $27,978,289 $391,696 $28,369,985 $5,832,854
9 $22,537,132 $315,520 $22,852,652 $5,832,854
10 $17,019,798 $238,277 $17,258,075 $5,832,854
11 $11,425,222 $159,953 $11,585,175 $5,832,854
12 $5,752,321 $80,532 $5,832,854 $5,832,854
Propuesta 5
Crédito -$85,080,000
Nº cuotas 12
Intereses 1.40%
Crédito -$64,020,000
Intereses 1.40%

1 $64,020,000 $896,280 $64,916,280 $5,832,854
2 $59,083,426 $827,168 $59,910,594 $5,832,854
3 $54,077,741 $757,088 $54,834,829 $5,832,854
4 $49,001,976 $686,028 $49,688,003 $5,832,854
5 $43,855,150 $613,972 $44,469,122 $5,832,854
6 $38,636,268 $540,908 $39,177,176 $5,832,854
7 $33,344,322 $466,821 $33,811,143 $5,832,854
8 $27,978,289 $391,696 $28,369,985 $5,832,854
9 $22,537,132 $315,520 $22,852,652 $5,832,854
10 $17,019,798 $238,277 $17,258,075 $5,832,854
11 $11,425,222 $159,953 $11,585,175 $5,832,854
12 $5,752,321 $80,532 $5,832,854 $5,832,854
Propuesta 6
Crédito $0
Nº cuotas 12
Intereses 1.40%
Valor cuota $0
Crédito -$64,020,000
Intereses 1.40%

1 $64,020,000 $896,280 $64,916,280 $5,832,854
2 $59,083,426 $827,168 $59,910,594 $5,832,854
3 $54,077,741 $757,088 $54,834,829 $5,832,854
4 $49,001,976 $686,028 $49,688,003 $5,832,854
5 $43,855,150 $613,972 $44,469,122 $5,832,854
6 $38,636,268 $540,908 $39,177,176 $5,832,854
7 $33,344,322 $466,821 $33,811,143 $5,832,854
8 $27,978,289 $391,696 $28,369,985 $5,832,854
9 $22,537,132 $315,520 $22,852,652 $5,832,854
10 $17,019,798 $238,277 $17,258,075 $5,832,854
11 $11,425,222 $159,953 $11,585,175 $5,832,854
12 $5,752,321 $80,532 $5,832,854 $5,832,854
Propuesta 6
Crédito -$64,080,000
Nº cuotas 12
Intereses 1.40%
Crédito -$64,020,000
Intereses 1.40%
PRINCIPAL INTERES VALOR TOTALPAGO

SALDO 1 $64,020,000 $896,280 $64,916,280 $5,832,854
$59,077,960 2 $59,083,426 $827,168 $59,910,594 $5,832,854
$54,066,731 3 $54,077,741 $757,088 $54,834,829 $5,832,854
$48,985,345 4 $49,001,976 $686,028 $49,688,003 $5,832,854
$43,832,820 5 $43,855,150 $613,972 $44,469,122 $5,832,854
$38,608,159 6 $38,636,268 $540,908 $39,177,176 $5,832,854
$33,310,353 7 $33,344,322 $466,821 $33,811,143 $5,832,854
$27,938,378 8 $27,978,289 $391,696 $28,369,985 $5,832,854
$22,491,195 9 $22,537,132 $315,520 $22,852,652 $5,832,854
$16,967,752 10 $17,019,798 $238,277 $17,258,075 $5,832,854
$11,366,980 11 $11,425,222 $159,953 $11,585,175 $5,832,854
$5,687,797 12 $5,752,321 $80,532 $5,832,854 $5,832,854
-$70,894
SALDO
$59,083,426
$54,077,741
$49,001,976
$43,855,150
$38,636,268
$33,344,322
$27,978,289
$22,537,132
$17,019,798
$11,425,222
$5,752,321
$0
SALDO
$59,083,426
$54,077,741
$49,001,976
$43,855,150
$38,636,268
$33,344,322
$27,978,289
$22,537,132
$17,019,798
$11,425,222
$5,752,321
$0
SALDO
$59,083,426
$54,077,741
$49,001,976
$43,855,150
$38,636,268
$33,344,322
$27,978,289
$22,537,132
$17,019,798
$11,425,222
$5,752,321
$0
SALDO
$59,083,426
$54,077,741
$49,001,976
$43,855,150
$38,636,268
$33,344,322
$27,978,289
$22,537,132
$17,019,798
$11,425,222
$5,752,321
$0
SALDO
$59,083,426
$54,077,741
$49,001,976
$43,855,150
$38,636,268
$33,344,322
$27,978,289
$22,537,132
$17,019,798
$11,425,222
$5,752,321
$0
SALDO
$59,083,426
$54,077,741
$49,001,976
$43,855,150
$38,636,268
$33,344,322
$27,978,289
$22,537,132
$17,019,798
$11,425,222
$5,752,321
$0
CASO CORBATAS
Don Juan es un pequeño fabricante de corbatas de seda, de estilos y diseños prop
Actualmente vende un máximo de 1,000 unidades mensuales a un conjunto de cl
Ya tiene una clientela segura y permanente por más de 4 años. No obstante, la ca
en todo Chile.
Le formulan el siguiente pedido: 3,000 corbatas el mes 1; 6.000 corbatas el mes
Forma de pago: 90 días contra entrega
Se le pide:
1) Evaluar rentabilidad del negocio
2) Calcular capital de trabajo
3) Sugerir curso de acción
NEGOCIO ACTUAL CORBATAS

costo unitario $7,000
precio unitario $10,000
cantidad vendida 1,000
Ingreso por venta $10,000,000
Costo venta $7,000,000
Saldo $3,000,000
Impuesto ppm $100,000
UTILIDAD $2,900,000
ANALISIS A. PARIS 0 1
Saldo $15,000,000
UTILIDAD $14,640,000
FLUJO CAJA 0 1
Ingresos $0
Egresos -$21,000,000
Impuestos -$360,000
FCN -$21,360,000
Saldo Acumulado
Nº dias 0
Fechas calendario 30-Apr
2º pedido
VAN $66,999,639
1%
TIR 25.47%
INGRESOS $64,080,000 $0
EGRESOS -$21,360,000
SALDO $64,080,000 -$21,360,000
SALDO ACUMULADO $42,720,000
FLUJO DE CAJA AJUSTADO

0 1
(1)
Ingresos $64,080,000 $0
Costos producción -$21,000,000
Gastos financieros -$5,838,320
Saldo $64,080,000 -$26,838,320
Impuestos -$360,000
FCN $64,080,000 -$27,198,320
Saldo acumulado $36,881,680
¿Qué hacemos? $64,721,676

0 1
(2)
Ingresos $64,080,000 $0
Gastos financieros -$3
Saldo $64,080,000 -$21,000,003
Impuestos -$360,000
FCN $64,080,000 -$21,360,003
$81,722,077
FLUJO DE CAJA PURO 0 1

Ingresos $0 $10,000,000
Saldo $0 $2,999,988
Impuestos -$100,000
FCN $0 $2,899,988
$32,316,425
, de estilos y diseños propios, que elabora su mujer. Tiene una pequeña PYME dedicada a este rubro y
suales a un conjunto de clientes profesionales, ejecutivos y empresarios que trabajan en las comunas
4 años. No obstante, la calidad de su producto ha trascendido y acaba de recibir un pedido de una gra
1; 6.000 corbatas el mes 2 a $12,000 el precio de venta unitario
2 3 4 5 6 7
$7,000 $7,000 $7,000 $7,000 $7,000 $7,000
$12,000 $10,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$42,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$30,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$720,000 $100,000 $100,000 $100,000 $100,000 $100,000
$29,280,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$42,720,000 $2,900,000 $38,900,000 $74,900,000 $2,900,000 $2,900,000
-$64,080,000 -$61,180,000 -$22,280,000 $52,620,000 $55,520,000 $58,420,000
30 60 90
30-May 30-Jun 30-Jul 30-Aug
Método del déficit

acumulado máximo
0 30 60 90

acumulado máximo
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000

-$42,720,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
-$42,720,000 $2,900,000 $38,900,000 $74,900,000 $2,900,000 $2,900,000
$0 $2,900,000 $41,800,000 $116,700,000 $119,600,000 $122,500,000
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$47,838,320 -$2,838,320 $33,161,680 $69,161,680 -$2,838,320 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$48,558,320 -$2,938,320 $33,061,680 $69,061,680 -$2,938,320 -$2,938,320
-$11,676,640 -$14,614,961 $18,446,719 $87,508,399 $84,570,079 $81,631,759
-$70,059,842 -$64,221,522 -$58,383,202 -$52,544,882
VAN 1%
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$42,000,003 $2,999,997 $33,161,680 $69,161,680 -$2,838,320 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$42,720,003 $2,899,997 $33,061,680 $69,061,680 -$2,938,320 -$2,938,320
-$6 $2,899,991 $35,961,671 $105,023,351 $102,085,030 $99,146,710
VAN 1% -$70,059,842 -$64,221,522 -$58,383,202 -$52,544,882
2 3 4 5 6 7
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$5,799,976 $8,699,964 $11,599,952 $14,499,940 $17,399,928 $20,299,916
VAN 1%
icada a este rubro y sobrevive con ventas por mano y al detalle.
an en las comunas de Santiago, Providencia y Las Condes.
n pedido de una gran Tienda de Alta Costura masculina, con más de 12 tiendas
8 9 10 11 12 13
$7,000 $7,000 $7,000 $7,000 $7,000
$10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$100,000 $100,000 $100,000 $100,000 $100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
8 9 10 11 12 13
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$61,320,000 $64,220,000 $67,120,000 $70,020,000 $72,920,000 $75,820,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$125,400,000 $128,300,000 $131,200,000 $134,100,000 $137,000,000 $139,900,000
8 9 10 11 12 13
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$78,693,439 $75,755,118 $72,816,798 $69,878,478 $66,940,158 $64,001,838
-$46,706,561 -$40,868,241 -$35,029,921 -$29,191,601 -$23,353,281 -$17,514,961
8 9 10 11 12 13
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$96,208,390 $93,270,070 $90,331,750 $87,393,430 $84,455,109 $81,516,789
-$46,706,561 -$40,868,241 -$35,029,921 -$29,191,601 -$23,353,281 -$17,514,961
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$23,199,904 $26,099,892 $28,999,880 $31,899,868 $34,799,856
14 15
14 15
$10,000,000 $10,000,000
-$7,000,000 -$7,000,000
-$100,000 -$100,000
$2,900,000 $2,900,000
$78,720,000 $81,620,000
$10,000,000 $10,000,000
-$7,100,000 -$7,100,000
$2,900,000 $2,900,000
$142,800,000 $145,700,000
14 15
$10,000,000 $10,000,000
-$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320
-$100,000 -$100,000
-$2,938,320 -$2,938,320
$61,063,518 $58,125,197
-$11,676,640 -$5,838,320
14 15
$10,000,000 $10,000,000
-$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320
-$100,000 -$100,000
-$2,938,320 -$2,938,320
$78,578,469 $75,640,149
-$11,676,640 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

costo unitario $4,400 -37
Saldo $5,600,000
UTILIDAD $5,500,000
Saldo $22,800,000
FLUJO CAJA 0 1
Ingresos $0
Egresos -$13,200,000
Impuestos -$360,000
FCN -$13,560,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $114,155,204
1%
TIR 50.70%
INGRESOS $64,080,000 $0
EGRESOS -$13,560,000
SALDO $64,080,000 -$13,560,000
Propuesta 1: Cosidera inversión de 10 Millones para invertir y reducir los costos

0 1
(1)
Ingresos $64,080,000 $0
Costos producción -10000000 -$13,560,000
Saldo $54,080,000 -$19,398,320
Impuestos -$360,000
FCN $54,080,000 -$19,758,320

0 1
(2)
Ingresos $64,080,000 $0
Saldo $64,080,000 -$13,200,003
Impuestos -$360,000
FCN $64,080,000 -$13,560,003
$128,410,755
Ingresos $0 $10,000,000
Saldo $0 $5,599,988
Impuestos -$100,000
FCN $0 $5,499,988
$61,289,892
2 3 4 5 6 7
$4,400 $4,400 $4,400 $4,400 $4,400 $4,400
$12,000 $10,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$26,400,000 $4,400,000 $4,400,000 $4,400,000 $4,400,000 $4,400,000
$45,600,000 $5,600,000 $5,600,000 $5,600,000 $5,600,000 $5,600,000
$720,000 $100,000 $100,000 $100,000 $100,000 $100,000
$44,880,000 $5,500,000 $5,500,000 $5,500,000 $5,500,000 $5,500,000
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$26,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$27,120,000 $5,500,000 $41,500,000 $77,500,000 $5,500,000 $5,500,000
-$40,680,000 -$35,180,000 $6,320,000 $83,820,000 $89,320,000 $94,820,000
30 60 90
0 30 60 90
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000

-$27,120,000 -$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000
-$27,120,000 $5,500,000 $41,500,000 $77,500,000 $5,500,000 $5,500,000
$23,400,000 $28,900,000 $70,400,000 $147,900,000 $153,400,000 $158,900,000
vertir y reducir los costos de producción al menos un 37% de forma permanente. Liquido credito al 5t
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$27,120,000 -$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$32,958,320 -$338,320 $35,661,680 $71,661,680 -$338,320 -$338,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$33,678,320 -$438,320 $35,561,680 $71,561,680 -$438,320 -$438,320
$643,360 $205,039 $35,766,719 $107,328,399 $106,890,079 $106,451,759
-$52,544,882 -$46,706,561 -$40,868,241 -$35,029,921
VAN 1%
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$26,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$26,400,003 $5,599,997 $35,761,680 $71,761,680 -$238,320 -$238,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$27,120,003 $5,499,997 $35,661,680 $71,661,680 -$338,320 -$338,320
$23,399,994 $28,899,991 $64,561,671 $136,223,351 $135,885,030 $135,546,710
VAN 1%
2 3 4 5 6 7
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000
-$12 -$12 -$12 -$12 -$12 -$12
$5,599,988 $5,599,988 $5,599,988 $5,599,988 $5,599,988 $5,599,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$5,499,988 $5,499,988 $5,499,988 $5,499,988 $5,499,988 $5,499,988
$10,999,976 $16,499,964 $21,999,952 $27,499,940 $32,999,928 $38,499,916
VAN 1%
8 9 10 11 12
$4,400 $4,400 $4,400 $4,400 $4,400
$10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$4,400,000 $4,400,000 $4,400,000 $4,400,000 $4,400,000
$5,600,000 $5,600,000 $5,600,000 $5,600,000 $5,600,000
$100,000 $100,000 $100,000 $100,000 $100,000
$5,500,000 $5,500,000 $5,500,000 $5,500,000 $5,500,000
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$5,500,000 $5,500,000 $5,500,000 $5,500,000 $5,500,000
$100,320,000 $105,820,000 $111,320,000 $116,820,000 $122,320,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000
$5,500,000 $5,500,000 $5,500,000 $5,500,000 $5,500,000
$164,400,000 $169,900,000 $175,400,000 $180,900,000 $186,400,000
Liquido credito al 5to mes.
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000 -$4,500,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$338,320 -$338,320 -$338,320 -$338,320 -$338,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$438,320 -$438,320 -$438,320 -$438,320 -$438,320
$106,013,439 $105,575,118 $105,136,798 $104,698,478 $104,260,158
-$29,191,601 -$23,353,281 -$17,514,961 -$11,676,640 -$5,838,320
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$238,320 -$238,320 -$238,320 -$238,320 -$238,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$338,320 -$338,320 -$338,320 -$338,320 -$338,320
$135,208,390 $134,870,070 $134,531,750 $134,193,430 $133,855,109
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000 -$4,400,000
-$12 -$12 -$12 -$12 -$12
$5,599,988 $5,599,988 $5,599,988 $5,599,988 $5,599,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$5,499,988 $5,499,988 $5,499,988 $5,499,988 $5,499,988
$43,999,904 $49,499,892 $54,999,880 $60,499,868 $65,999,856
-$5,838,320 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

Saldo $3,000,000
UTILIDAD $2,900,000
Saldo $15,000,000
FLUJO CAJA 0 1
Ingresos $0
Egresos -$21,000,000
Impuestos -$360,000
FCN -$21,360,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $66,999,639
1%
TIR 25.47%
INGRESOS $85,000,000 $0
EGRESOS -$21,360,000
SALDO $85,000,000 -$21,360,000
Propuesta 2: Aumentar monto de prestamo. Liquido prestamo al 5to mes.

0 1
(1)
Ingresos $85,000,000 $0
Saldo $85,000,000 -$28,744,339
Impuestos -$360,000
FCN $85,000,000 -$29,104,339

0 1
(2)
Ingresos $85,000,000 $0
Saldo $85,000,000 -$21,000,003
Impuestos -$360,000
FCN $85,000,000 -$21,360,003
$102,434,948

Ingresos $0 $10,000,000
Saldo $0 $2,999,988
Impuestos -$100,000
FCN $0 $2,899,988
$32,316,425
2 3 4 5 6 7
$7,000 $7,000 $7,000 $7,000 $7,000 $7,000
$12,000 $10,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$42,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$30,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$720,000 $100,000 $100,000 $100,000 $100,000 $100,000
$29,280,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$42,720,000 $2,900,000 $38,900,000 $74,900,000 $2,900,000 $2,900,000
-$64,080,000 -$61,180,000 -$22,280,000 $52,620,000 $55,520,000 $58,420,000
30 60 90

acumulado máximo
0 30 60 90

acumulado máximo
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000

-$42,720,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
-$42,720,000 $2,900,000 $38,900,000 $74,900,000 $2,900,000 $2,900,000
$20,920,000 $23,820,000 $62,720,000 $137,620,000 $140,520,000 $143,420,000
estamo al 5to mes.
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$7,744,339 -$7,744,339 -$7,744,339 -$7,744,339 -$7,744,339 -$7,744,339
-$49,744,339 -$4,744,339 $31,255,661 $67,255,661 -$4,744,339 -$4,744,339
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$50,464,339 -$4,844,339 $31,155,661 $67,155,661 -$4,844,339 -$4,844,339
$5,431,323 $586,984 $31,742,646 $98,898,307 $94,053,969 $89,209,630
-$69,699,047 -$61,954,708 -$54,210,370 -$46,466,031
VAN 1%
2 3 4 5 6 7
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$42,000,003 $2,999,997 $33,161,680 $69,161,680 -$2,838,320 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$42,720,003 $2,899,997 $33,061,680 $69,061,680 -$2,938,320 -$2,938,320
$20,919,994 $23,819,991 $56,881,671 $125,943,351 $123,005,030 $120,066,710
VAN 1%
2 3 4 5 6 7
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$5,799,976 $8,699,964 $11,599,952 $14,499,940 $17,399,928 $20,299,916
VAN 1%
8 9 10 11 12
$7,000 $7,000 $7,000 $7,000 $7,000
$10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$100,000 $100,000 $100,000 $100,000 $100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$61,320,000 $64,220,000 $67,120,000 $70,020,000 $72,920,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$146,320,000 $149,220,000 $152,120,000 $155,020,000 $157,920,000
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$7,744,339 -$7,744,339 -$7,744,339 -$7,744,339 -$7,744,339
-$4,744,339 -$4,744,339 -$4,744,339 -$4,744,339 -$4,744,339
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$4,844,339 -$4,844,339 -$4,844,339 -$4,844,339 -$4,844,339
$84,365,292 $79,520,953 $74,676,614 $69,832,276 $64,987,937
-$38,721,693 -$30,977,354 -$23,233,016 -$15,488,677 -$7,744,339
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$117,128,390 $114,190,070 $111,251,750 $108,313,430 $105,375,109
8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$23,199,904 $26,099,892 $28,999,880 $31,899,868 $34,799,856
-$5,838,320 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

Saldo $3,000,000
UTILIDAD $2,900,000
Saldo $15,000,000
FLUJO CAJA 0 1
Ingresos $12,000,000
Egresos -$21,000,000
Impuestos -$360,000
FCN -$9,360,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $68,040,991
1%
TIR 46.67%
INGRESOS $36,080,000 $12,000,000

EGRESOS -$21,360,000
SALDO $36,080,000 -$9,360,000
SUGERENCIA 3: Se pide a gran tienda 1/3 por adelantado de cada venta. Luego, pido credito de

0 1
(1)
Ingresos $36,080,000 $12,000,000
Saldo $36,080,000 -$12,287,244
Impuestos -$360,000
FCN $36,080,000 -$12,647,244

0 1
(2)
Ingresos $36,080,000 $12,000,000
Saldo $36,080,000 -$9,000,003
Impuestos -$360,000
FCN $36,080,000 -$9,360,003
$55,030,347

Ingresos $0 $10,000,000
Saldo $0 $2,999,988
Impuestos -$100,000
FCN $0 $2,899,988
$32,316,425
e estilos y diseños propios, que elabora su mujer. Tiene una pequeña PYME dedicada a este rubro y so
les a un conjunto de clientes profesionales, ejecutivos y empresarios que trabajan en las comunas de
ños. No obstante, la calidad de su producto ha trascendido y acaba de recibir un pedido de una gran T
6.000 corbatas el mes 2 a $12,000 el precio de venta unitario
2 3 4 5 6
$7,000 $7,000 $7,000 $7,000 $7,000
$12,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$42,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$30,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$720,000 $100,000 $100,000 $100,000 $100,000
$29,280,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
2 3 4 5 6
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$18,720,000 $2,900,000 $26,900,000 $50,900,000 $2,900,000
-$28,080,000 -$25,180,000 $1,720,000 $52,620,000 $55,520,000
30 60 90
0 30 60 90
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000

-$42,720,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
-$18,720,000 $2,900,000 $26,900,000 $50,900,000 $2,900,000
$8,000,000 $10,900,000 $37,800,000 $88,700,000 $91,600,000
nta. Luego, pido credito de M$36000 y al mes 5 liquido mi deuda.
2 3 4 5 6
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3,287,244 -$3,287,244 -$3,287,244 -$3,287,244 -$3,287,244
-$21,287,244 -$287,244 $23,712,756 $47,712,756 -$287,244
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$22,007,244 -$387,244 $23,612,756 $47,612,756 -$387,244
$1,425,512 $1,038,268 $24,651,024 $72,263,780 $71,876,536
-$29,585,196 -$26,297,952 -$23,010,708
VAN 1%
2 3 4 5 6
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320
-$18,000,003 $2,999,997 $21,161,680 $45,161,680 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$18,720,003 $2,899,997 $21,061,680 $45,061,680 -$2,938,320
$7,999,994 $10,899,991 $31,961,671 $77,023,351 $74,085,030
VAN 1%
2 3 4 5 6
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$5,799,976 $8,699,964 $11,599,952 $14,499,940 $17,399,928
VAN 1%
ME dedicada a este rubro y sobrevive con ventas por mano y al detalle.
e trabajan en las comunas de Santiago, Providencia y Las Condes.
ecibir un pedido de una gran Tienda de Alta Costura masculina, con más de 12 tiendas
7 8 9 10 11 12
$7,000 $7,000 $7,000 $7,000 $7,000 $7,000
$10,000 $10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$100,000 $100,000 $100,000 $100,000 $100,000 $100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$58,420,000 $61,320,000 $64,220,000 $67,120,000 $70,020,000 $72,920,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$94,500,000 $97,400,000 $100,300,000 $103,200,000 $106,100,000 $109,000,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3,287,244 -$3,287,244 -$3,287,244 -$3,287,244 -$3,287,244 -$3,287,244
-$287,244 -$287,244 -$287,244 -$287,244 -$287,244 -$287,244
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$387,244 -$387,244 -$387,244 -$387,244 -$387,244 -$387,244
$71,489,292 $71,102,048 $70,714,804 $70,327,561 $69,940,317 $69,553,073
-$19,723,464 -$16,436,220 -$13,148,976 -$9,861,732 -$6,574,488 -$3,287,244
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$71,146,710 $68,208,390 $65,270,070 $62,331,750 $59,393,430 $56,455,109
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$20,299,916 $23,199,904 $26,099,892 $28,999,880 $31,899,868 $34,799,856
-$5,838,320 -$5,838,320 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

costo unitario $5,300 -24
Saldo $4,700,000
UTILIDAD $4,600,000
Saldo $20,100,000
FLUJO CAJA 0 1
Egresos -$15,900,000
Impuestos -$360,000
FCN -$4,260,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $98,873,476
1%
TIR 98.16%
INGRESOS $29,000,000 $12,000,000

EGRESOS -$16,260,000
SALDO $29,000,000 -$4,260,000
SUGERENCIA 3: Se pide a gran tienda 1/3 por adelantado de cada venta. Invierto 10 Millones pa

0 1
(1)
Ingresos $29,000,000 $12,000,000
Costos producción -10000000 -$15,900,000
Saldo $19,000,000 -$6,542,186
Impuestos -$360,000
FCN $19,000,000 -$6,902,186

0 1
(2)
Ingresos $29,000,000 $12,000,000
Saldo $29,000,000 -$3,900,003
Impuestos -$360,000
FCN $29,000,000 -$4,260,003
$78,547,658

Ingresos $0 $10,000,000
Saldo $0 $4,699,988
Impuestos -$100,000
FCN $0 $4,599,988
$51,260,615
2 3 4 5 6
$5,300 $5,300 $5,300 $5,300 $5,300
$12,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$31,800,000 $5,300,000 $5,300,000 $5,300,000 $5,300,000
$40,200,000 $4,700,000 $4,700,000 $4,700,000 $4,700,000
$720,000 $100,000 $100,000 $100,000 $100,000
$39,480,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000
2 3 4 5 6
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000
-$31,800,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$8,520,000 $4,600,000 $28,600,000 $52,600,000 $4,600,000
-$12,780,000 -$8,180,000 $20,420,000 $73,020,000 $77,620,000
30 60 90
0 30 60 90
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000

-$32,520,000 -$5,400,000 -$5,400,000 -$5,400,000 -$5,400,000
-$8,520,000 $4,600,000 $28,600,000 $52,600,000 $4,600,000
$16,220,000 $20,820,000 $49,420,000 $102,020,000 $106,620,000
nta. Invierto 10 Millones para reducir costo de producción un 24%. Luego, pido credito de 29 Millones y al mes 5 liquido m
2 3 4 5 6
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000
-$31,800,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$2,642,186 -$2,642,186 -$2,642,186 -$2,642,186 -$2,642,186
-$10,442,186 $2,057,814 $26,057,814 $50,057,814 $2,057,814
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$11,162,186 $1,957,814 $25,957,814 $49,957,814 $1,957,814
$935,628 $2,893,442 $28,851,256 $78,809,070 $80,766,883
-$23,779,675 -$21,137,489 -$18,495,303
VAN 1%
2 3 4 5 6
$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000
-$31,800,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320
-$7,800,003 $4,699,997 $22,861,680 $46,861,680 -$1,138,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$8,520,003 $4,599,997 $22,761,680 $46,761,680 -$1,238,320
$16,219,994 $20,819,991 $43,581,671 $90,343,351 $89,105,030
VAN 1%
2 3 4 5 6
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$12 -$12 -$12 -$12 -$12
$4,699,988 $4,699,988 $4,699,988 $4,699,988 $4,699,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$4,599,988 $4,599,988 $4,599,988 $4,599,988 $4,599,988
$9,199,976 $13,799,964 $18,399,952 $22,999,940 $27,599,928
VAN 1%
7 8 9 10 11 12
$5,300 $5,300 $5,300 $5,300 $5,300 $5,300
$10,000 $10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$5,300,000 $5,300,000 $5,300,000 $5,300,000 $5,300,000 $5,300,000
$4,700,000 $4,700,000 $4,700,000 $4,700,000 $4,700,000 $4,700,000
$100,000 $100,000 $100,000 $100,000 $100,000 $100,000
$4,600,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$4,600,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000
$82,220,000 $86,820,000 $91,420,000 $96,020,000 $100,620,000 $105,220,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$5,400,000 -$5,400,000 -$5,400,000 -$5,400,000 -$5,400,000 -$5,400,000
$4,600,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000 $4,600,000
$111,220,000 $115,820,000 $120,420,000 $125,020,000 $129,620,000 $134,220,000
o de 29 Millones y al mes 5 liquido mi deuda.
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$2,642,186 -$2,642,186 -$2,642,186 -$2,642,186 -$2,642,186 -$2,642,186
$2,057,814 $2,057,814 $2,057,814 $2,057,814 $2,057,814 $2,057,814
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$1,957,814 $1,957,814 $1,957,814 $1,957,814 $1,957,814 $1,957,814
$82,724,697 $84,682,511 $86,640,325 $88,598,139 $90,555,953 $92,513,767
-$15,853,117 -$13,210,930 -$10,568,744 -$7,926,558 -$5,284,372 -$2,642,186
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$1,138,320 -$1,138,320 -$1,138,320 -$1,138,320 -$1,138,320 -$1,138,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$1,238,320 -$1,238,320 -$1,238,320 -$1,238,320 -$1,238,320 -$1,238,320
$87,866,710 $86,628,390 $85,390,070 $84,151,750 $82,913,430 $81,675,109
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000 -$5,300,000
-$12 -$12 -$12 -$12 -$12 -$12
$4,699,988 $4,699,988 $4,699,988 $4,699,988 $4,699,988 $4,699,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$4,599,988 $4,599,988 $4,599,988 $4,599,988 $4,599,988 $4,599,988
$32,199,916 $36,799,904 $41,399,892 $45,999,880 $50,599,868 $55,199,856
-$5,838,320 -$5,838,320 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

Saldo $3,000,000
UTILIDAD $2,900,000
Saldo $15,000,000
FLUJO CAJA 0 1
Ingresos $0
Egresos -$21,000,000
Impuestos -$360,000
FCN -$21,360,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $76,191,474
1%
TIR 27.40%
INGRESOS $85,080,000 $0
EGRESOS -$21,360,000
SALDO $85,080,000 -$21,360,000
SUGERENCIA 2: Se pide a gran tienda 1/3 por adelantado de cada venta. Luego, pido credito de

0 1
(1)
Ingresos $85,080,000 $0
Saldo $85,080,000 -$28,751,627
Impuestos -$360,000
FCN $85,080,000 -$29,111,627

0 1
(2)
Ingresos $85,080,000 $0
Saldo $85,080,000 -$21,000,003
Impuestos -$360,000
FCN $85,080,000 -$21,360,003
$111,614,983

Ingresos $0 $11,000,000
Saldo $0 $3,999,988
Impuestos -$110,000
FCN $0 $3,889,988
$43,348,630
2 3 4 5 6
$7,000 $7,000 $7,000 $7,000 $7,000
$12,000 $11,000 $11,000 $11,000 $11,000
6,000 1,000 1,000 1,000 1,000
$72,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
$42,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$30,000,000 $4,000,000 $4,000,000 $4,000,000 $4,000,000
$720,000 $110,000 $110,000 $110,000 $110,000
$29,280,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000
2 3 4 5 6
$0 $11,000,000 $47,000,000 $83,000,000 $11,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$720,000 -$110,000 -$110,000 -$110,000 -$110,000
-$42,720,000 $3,890,000 $39,890,000 $75,890,000 $3,890,000
-$64,080,000 -$60,190,000 -$20,300,000 $55,590,000 $59,480,000
30 60 90
0 30 60 90
$0 $11,000,000 $47,000,000 $83,000,000 $11,000,000

-$42,720,000 -$7,110,000 -$7,110,000 -$7,110,000 -$7,110,000
-$42,720,000 $3,890,000 $39,890,000 $75,890,000 $3,890,000
$21,000,000 $24,890,000 $64,780,000 $140,670,000 $144,560,000
nta. Luego, pido credito de M$36000 y al mes 5 liquido mi deuda.
2 3 4 5 6
$0 $11,000,000 $47,000,000 $83,000,000 $11,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$7,751,627 -$7,751,627 -$7,751,627 -$61,954,708 $0
-$49,751,627 -$3,751,627 $32,248,373 $14,045,292 $4,000,000
-$720,000 -$110,000 -$110,000 -$110,000 -$110,000
-$50,471,627 -$3,861,627 $32,138,373 $13,935,292 $3,890,000
$5,496,745 $1,635,118 $33,773,491 $47,708,782 $51,598,782
VAN 1% -$69,706,336 -$61,954,708
2 3 4 5 6
$0 $11,000,000 $47,000,000 $83,000,000 $11,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320
-$42,000,003 $3,999,997 $34,161,680 $70,161,680 -$1,838,320
-$720,000 -$110,000 -$110,000 -$110,000 -$110,000
-$42,720,003 $3,889,997 $34,051,680 $70,051,680 -$1,948,320
$20,999,994 $24,889,991 $58,941,671 $128,993,351 $127,045,030
VAN 1%
2 3 4 5 6
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12
$3,999,988 $3,999,988 $3,999,988 $3,999,988 $3,999,988
-$110,000 -$110,000 -$110,000 -$110,000 -$110,000
$3,889,988 $3,889,988 $3,889,988 $3,889,988 $3,889,988
$7,779,976 $11,669,964 $15,559,952 $19,449,940 $23,339,928
VAN 1%
7 8 9 10 11 12
$7,000 $7,000 $7,000 $7,000 $7,000 $7,000
$11,000 $11,000 $11,000 $11,000 $11,000 $11,000
1,000 1,000 1,000 1,000 1,000 1,000
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
$7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$4,000,000 $4,000,000 $4,000,000 $4,000,000 $4,000,000 $4,000,000
$110,000 $110,000 $110,000 $110,000 $110,000 $110,000
$3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000
7 8 9 10 11 12
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$110,000 -$110,000 -$110,000 -$110,000 -$110,000 -$110,000
$3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000
$63,370,000 $67,260,000 $71,150,000 $75,040,000 $78,930,000 $82,820,000
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
-$7,110,000 -$7,110,000 -$7,110,000 -$7,110,000 -$7,110,000 -$7,110,000
$3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000
$148,450,000 $152,340,000 $156,230,000 $160,120,000 $164,010,000 $167,900,000
7 8 9 10 11 12
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
$0 $0 $0 $0 $0 $0
$4,000,000 $4,000,000 $4,000,000 $4,000,000 $4,000,000 $4,000,000
-$110,000 -$110,000 -$110,000 -$110,000 -$110,000 -$110,000
$3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000 $3,890,000
$55,488,782 $59,378,782 $63,268,782 $67,158,782 $71,048,782 $74,938,782
7 8 9 10 11 12
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$1,838,320 -$1,838,320 -$1,838,320 -$1,838,320 -$1,838,320 -$1,838,320
-$110,000 -$110,000 -$110,000 -$110,000 -$110,000 -$110,000
-$1,948,320 -$1,948,320 -$1,948,320 -$1,948,320 -$1,948,320 -$1,948,320
$125,096,710 $123,148,390 $121,200,070 $119,251,750 $117,303,430 $115,355,109
7 8 9 10 11 12
$11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000 $11,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12 -$12
$3,999,988 $3,999,988 $3,999,988 $3,999,988 $3,999,988 $3,999,988
-$110,000 -$110,000 -$110,000 -$110,000 -$110,000 -$110,000
$3,889,988 $3,889,988 $3,889,988 $3,889,988 $3,889,988 $3,889,988
$27,229,916 $31,119,904 $35,009,892 $38,899,880 $42,789,868 $46,679,856
-$5,838,320 -$5,838,320 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

Saldo $3,000,000
UTILIDAD $2,900,000
Saldo $15,000,000
FLUJO CAJA 0 1
Egresos -$21,000,000
Impuestos -$360,000
FCN $3,840,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $38,256,233
1%
TIR Err:523
INGRESOS $0 $25,200,000
EGRESOS -$21,360,000
SALDO $0 $3,840,000
SUGERENCIA 2: Se negocia pago adelantado con un 30% descuento

0 1
(1)
Ingresos $0 $25,200,000
Gastos financieros $0
Saldo $0 $4,200,000
Impuestos -$360,000
FCN $0 $3,840,000

0 1
(2)
Ingresos $0 $25,200,000
Saldo $0 $4,199,997
Impuestos -$360,000
FCN $0 $3,839,997
-$10,182,286

Ingresos $0 $10,000,000
Saldo $0 $2,999,988
Impuestos -$100,000
FCN $0 $2,899,988
$32,316,425
2 3 4 5 6
$7,000 $7,000 $7,000 $7,000 $7,000
$12,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$42,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$30,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$720,000 $100,000 $100,000 $100,000 $100,000
$29,280,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
2 3 4 5 6
$50,400,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
$7,680,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$11,520,000 $14,420,000 $17,320,000 $20,220,000 $23,120,000
30 60 90
0 30 60 90
$50,400,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000

-$42,720,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
$7,680,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$11,520,000 $14,420,000 $17,320,000 $20,220,000 $23,120,000
2 3 4 5 6
$50,400,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
$0 $0 $0 $0 $0
$8,400,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
$7,680,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$11,520,000 $14,420,000 $17,320,000 $20,220,000 $23,120,000
VAN 1% $0 $0
2 3 4 5 6
$50,400,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320
$8,399,997 $2,999,997 -$2,838,320 -$2,838,320 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
$7,679,997 $2,899,997 -$2,938,320 -$2,938,320 -$2,938,320
$11,519,994 $14,419,991 $11,481,671 $8,543,351 $5,605,030
VAN 1%
2 3 4 5 6
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$5,799,976 $8,699,964 $11,599,952 $14,499,940 $17,399,928
VAN 1%
7 8 9 10 11 12
$7,000 $7,000 $7,000 $7,000 $7,000 $7,000
$10,000 $10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$100,000 $100,000 $100,000 $100,000 $100,000 $100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$26,020,000 $28,920,000 $31,820,000 $34,720,000 $37,620,000 $40,520,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$26,020,000 $28,920,000 $31,820,000 $34,720,000 $37,620,000 $40,520,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
$0 $0 $0 $0 $0 $0
$3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$26,020,000 $28,920,000 $31,820,000 $34,720,000 $37,620,000 $40,520,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$2,666,710 -$271,610 -$3,209,930 -$6,148,250 -$9,086,570 -$12,024,891
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$20,299,916 $23,199,904 $26,099,892 $28,999,880 $31,899,868 $34,799,856
-$5,838,320 -$5,838,320 -$5,838,320
CASO CORBATAS
en todo Chile.
Se le pide:

Saldo $3,000,000
UTILIDAD $2,900,000
Saldo $15,000,000
FLUJO CAJA 0 1
Ingresos $0
Egresos -$21,000,000
Impuestos -$360,000
FCN -$21,360,000
Saldo Acumulado
Nº dias 0
2º pedido
VAN $66,999,639
1%
TIR 25.47%
INGRESOS $64,080,000 $0
EGRESOS -$21,360,000
SALDO $64,080,000 -$21,360,000
SUGERENCIA 2: Se negocia pago adelantado con un 30% descuento

0 1
(1)
Ingresos $64,080,000 $0
Saldo $64,080,000 -$26,838,320
Impuestos -$360,000
FCN $64,080,000 -$27,198,320

0 1
(2)
Ingresos $64,080,000 $0
Saldo $64,080,000 -$21,000,003
Impuestos -$360,000
FCN $64,080,000 -$21,360,003
$81,722,077

Ingresos $0 $10,000,000
Saldo $0 $2,999,988
Impuestos -$100,000
FCN $0 $2,899,988
$32,316,425
2 3 4 5 6
$7,000 $7,000 $7,000 $7,000 $7,000
$12,000 $10,000 $10,000 $10,000 $10,000
6,000 1,000 1,000 1,000 1,000
$72,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$42,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$30,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$720,000 $100,000 $100,000 $100,000 $100,000
$29,280,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
2 3 4 5 6
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$42,720,000 $2,900,000 $38,900,000 $74,900,000 $2,900,000
-$64,080,000 -$61,180,000 -$22,280,000 $52,620,000 $55,520,000
30 60 90
0 30 60 90
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000

-$42,720,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
-$42,720,000 $2,900,000 $38,900,000 $74,900,000 $2,900,000
$0 $2,900,000 $41,800,000 $116,700,000 $119,600,000
2 3 4 5 6
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$47,838,320 -$2,838,320 $33,161,680 $69,161,680 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$48,558,320 -$2,938,320 $33,061,680 $69,061,680 -$2,938,320
-$11,676,640 -$14,614,961 $18,446,719 $87,508,399 $84,570,079
VAN 1% -$52,544,882 -$46,706,561
2 3 4 5 6
$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000
-$42,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$3 -$3 -$5,838,320 -$5,838,320 -$5,838,320
-$42,000,003 $2,999,997 $33,161,680 $69,161,680 -$2,838,320
-$720,000 -$100,000 -$100,000 -$100,000 -$100,000
-$42,720,003 $2,899,997 $33,061,680 $69,061,680 -$2,938,320
-$6 $2,899,991 $35,961,671 $105,023,351 $102,085,030
VAN 1%
2 3 4 5 6
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$5,799,976 $8,699,964 $11,599,952 $14,499,940 $17,399,928
VAN 1%
7 8 9 10 11 12
$7,000 $7,000 $7,000 $7,000 $7,000 $7,000
$10,000 $10,000 $10,000 $10,000 $10,000 $10,000
1,000 1,000 1,000 1,000 1,000 1,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
$7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000 $7,000,000
$3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000
$100,000 $100,000 $100,000 $100,000 $100,000 $100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$58,420,000 $61,320,000 $64,220,000 $67,120,000 $70,020,000 $72,920,000
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000 -$7,100,000
$2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000 $2,900,000
$122,500,000 $125,400,000 $128,300,000 $131,200,000 $134,100,000 $137,000,000
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$81,631,759 $78,693,439 $75,755,118 $72,816,798 $69,878,478 $66,940,158
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320 -$5,838,320
-$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320 -$2,838,320
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
-$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320 -$2,938,320
$99,146,710 $96,208,390 $93,270,070 $90,331,750 $87,393,430 $84,455,109
7 8 9 10 11 12
$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000
-$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000 -$7,000,000
-$12 -$12 -$12 -$12 -$12 -$12
$2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988 $2,999,988
-$100,000 -$100,000 -$100,000 -$100,000 -$100,000 -$100,000
$2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988 $2,899,988
$20,299,916 $23,199,904 $26,099,892 $28,999,880 $31,899,868 $34,799,856
-$5,838,320 -$5,838,320 -$5,838,320
TAREA 1
Usted es el Jefe de la Unidad de Recursos Fisicos de la Clinica Verde Esperanza. Esta Clinica es de median
Tiene 12 camas UCI, 20 camas UTI y 50 camas de médico-quirúrgicas.
Producto de la pandemia, le han solicitado a la Clinica reconvertir camas, para lo cual le piden elaborar el
Por parte del gerente general y el directorio, se le solicita en 24 horas, elaborar el proyecto ejecutivo, con
1) Presupuesto detallado de la reconversión de camas
2) Flujo de caja por 3 meses, calculando los rendimientos financieros del proyecto (TIR - VAN)
3) Entregar informe (word) que explique los fundamentos, parámetros y supuestos contemplados
4) Preparar una presentación del proyecto en una ppt.
valor dia camas

Ingresos ???? concepto clave Dia/Cama 149500 24
Equipos STD 97500 40
Personas STD
Operación STD
Horizonte ???
ta Clinica es de mediana complejidad, y se encuentra en un proceso de reposición.
ual le piden elaborar el proyecto, entregando la máxima capacidad posible.
proyecto ejecutivo, contemplando:
(TIR - VAN)
contemplados
PABELLON
Valor dia Valor mes UPC PEDIATRICA
$ 3,588,000 $ 107,640,000
$ 3,900,000 $ 117,000,000
$ 224,640,000 $ 673,920,000
TAREA 2
Don Juan acaba de recibir un desahucio y decide invertir su dinero, por lo cual está evaluando dif
En esta ocasión su amigo Paulino le ofrece un quiosco de su propiedad ubicado en el pase Ahuma
Los datos son los siguientes:
Valor del quiosco $2,000,000 instalado con energía eléctrica, patentes y todo lo necesario p
Nivel de ventas $240,000 por día (Estudio de Mercado)
Costo periódicos $200,000 por día (Estudio Mercado proveedor), pagados al contad
NO hay Depreciación, ni tampoco impuesto a la renta
Primera conclusión?
El inversionista deberá disponer de 2,2 millon para poder llevar a cabo su negocio en forma norm
activo fijo y $200 mil en capital de trabajo.
Supongamos que al momento "n" se vende el quiosco, cuyo valor de desecho comercial es de $1.
vende los diarios al igual que en los días anteriores, por lo que obtiene la utilidad de $40 mil. Sin
de quiosco al nuevo propietario, procede a contar el dinero que dispone, al efectuar al arqueo con
1 millón doscientos cuarenta mil pesos;
1,000,000 por la venta del quiosco;
$40 mil por la ganancia diaria; y
$200 mil por la recuperación del capital de trabajo, ya que no necesitará ese dinero para seguir c
SE PIDE:
CONSTRUIR FLUJO DE CAJA
EVALUAR SUS RESULTADOS
DETERMINAR LA RENTABILIDAD DEL PROYECTO
o, por lo cual está evaluando diferentes opciones.
iedad ubicado en el pase Ahumada con Alameda.
ca, patentes y todo lo necesario para operar
do proveedor), pagados al contado al amanecer a distribuidor
cabo su negocio en forma normal y eficiente, $2,0 millón en
r de desecho comercial es de $1.000.000, también en el día "n"

btiene la utilidad de $40 mil. Sin embargo, al entregar las llaves
ispone, al efectuar al arqueo concluye que dispone de:
cesitará ese dinero para seguir comprando diarios al día siguiente.

TRABAJO FINAL DEL CURSO
1) DETERMINAR IDEA DE NEGOCIO.

FUNDAMENTAR EN MAXIMO DOS PAGINAS, TODOS LOS ASPECTOS CRITICOS Y RELEVANTES
2) DETERMINAR MONTO DE LA INVERSION
DETALLAR EL ITEMIZADO DE COSTOS DE INVERSION, FUENTE DE FINANCIAMIENTO Y PLAZOS
3) DETERMINAR INGRESOS - COSTOS Y GASTOS DE LA OPERACIÓN:
4) DISEÑAR FLUJO DE CAJA
5) DETERMINAR CAPITAL DE TRABAJO
6) CALCULAR FLUJO DE CAJA EFECTIVO EN EL HORIZONTE DE EVALU
7) DETERMINAR VAN - TIR - PAYBACK
8) PRESENTAR CARTA GANTT DEL PROYECTO
9) FUNDAMENTAR DECISION FINAL DEL PROYECTO E INCORPORAR A
RITICOS Y RELEVANTES
NANCIAMIENTO Y PLAZOS
E LA OPERACIÓN: PROYECTANDO ESTADOS DE RESULTADOS DE CADA PER
IZONTE DE EVALUACION DEL PROYECTO
O E INCORPORAR ANALISIS DE RIESGO Y SISTEMA DE CONTROL DE GESTIO

DOS DE CADA PERIODO
NTROL DE GESTION DEL PROYECTO

Hoja Trabajo Finanzas - 2021

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INVERSION

PRINCIPAL INTERES VALOR TOTAL PAGO

PRINCIPAL INTERES VALOR TOTAL PAGO

PRINCIPAL INTERES VALOR TOTAL PAGO

PRINCIPAL INTERES VALOR TOTAL PAGO

PRINCIPAL INTERES VALOR TOTAL PAGO

PRINCIPAL INTERES VALOR TOTALPAGO

NEGOCIO ACTUAL CORBATAS

FLUJO DE CAJA AJUSTADO

¿Qué hacemos? $64,721,676

FLUJO DE CAJA AJUSTADO

FLUJO DE CAJA PURO 0 1

1; 6.000 corbatas el mes 2 a $12,000 el precio de venta unitario

Método del déficit

Método del déficit

$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000

-$70,059,842 -$64,221,522 -$58,383,202 -$52,544,882

-$46,706,561 -$40,868,241 -$35,029,921 -$29,191,601 -$23,353,281 -$17,514,961

NEGOCIO ACTUAL CORBATAS

Propuesta 1: Cosidera inversión de 10 Millones para invertir y reducir los costos

FLUJO DE CAJA AJUSTADO

¿Qué hacemos? $99,538,357

FLUJO DE CAJA AJUSTADO

1; 6.000 corbatas el mes 2 a $12,000 el precio de venta unitario

$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000

-$52,544,882 -$46,706,561 -$40,868,241 -$35,029,921

Liquido credito al 5to mes.

-$29,191,601 -$23,353,281 -$17,514,961 -$11,676,640 -$5,838,320

NEGOCIO ACTUAL CORBATAS

Propuesta 2: Aumentar monto de prestamo. Liquido prestamo al 5to mes.

FLUJO DE CAJA AJUSTADO

¿Qué hacemos? $64,194,563

FLUJO DE CAJA AJUSTADO

FLUJO DE CAJA PURO 0 1

1; 6.000 corbatas el mes 2 a $12,000 el precio de venta unitario

Método del déficit

Método del déficit

$0 $10,000,000 $46,000,000 $82,000,000 $10,000,000 $10,000,000

estamo al 5to mes.

-$69,699,047 -$61,954,708 -$54,210,370 -$46,466,031

-$38,721,693 -$30,977,354 -$23,233,016 -$15,488,677 -$7,744,339

NEGOCIO ACTUAL CORBATAS

INGRESOS $36,080,000 $12,000,000

FLUJO DE CAJA AJUSTADO

¿Qué hacemos? $66,458,224

FLUJO DE CAJA AJUSTADO

FLUJO DE CAJA PURO 0 1

6.000 corbatas el mes 2 a $12,000 el precio de venta unitario

$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000

nta. Luego, pido credito de M$36000 y al mes 5 liquido mi deuda.

-$29,585,196 -$26,297,952 -$23,010,708

-$19,723,464 -$16,436,220 -$13,148,976 -$9,861,732 -$6,574,488 -$3,287,244

NEGOCIO ACTUAL CORBATAS

INGRESOS $29,000,000 $12,000,000

FLUJO DE CAJA AJUSTADO

¿Qué hacemos? $87,262,839

FLUJO DE CAJA AJUSTADO

FLUJO DE CAJA PURO 0 1

6.000 corbatas el mes 2 a $12,000 el precio de venta unitario

$24,000,000 $10,000,000 $34,000,000 $58,000,000 $10,000,000

-$23,779,675 -$21,137,489 -$18,495,303

o de 29 Millones y al mes 5 liquido mi deuda.

-$15,853,117 -$13,210,930 -$10,568,744 -$7,926,558 -$5,284,372 -$2,642,186