Checks, guarantees and tokenization: the alternatives Argentine SMEs are exploring as bank credit loses ground

FinanceInternationalInfobaeOct 25, 2026, 4:21 PM40 s readAI summary

Argentine SMEs are seeking financing outside bank channels due to requirements, fees and waiting times. According to specialists, discounting checks and promissory notes in the capital market, guarantees from Reciprocal Guarantee Societies, asset tokenization and dollar staking for cash surpluses are gaining ground. The CNV enabled repo operations on deferred payment checks, promissory notes and SME electronic credit invoices, and Resolution 94/2026 incorporated blockchain into guarantees.

In 40 seconds

The capital market, with deferred payment checks, promissory notes and SME electronic credit invoices, is the main source of SME financing according to the CNV.
RG 1079 of August 2025 enabled repo operations on these instruments to provide liquidity and reduce the cost of access to credit.
SGRs issued 92,258 guarantees worth ARS 1.84 trillion between January and May 2026, according to Untref ACR UP.

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IASummary generated by artificial intelligence from a story by Infobae. It may contain errors: the original source prevails.

pyme
Argentina
tokenización
mercado de capitales
blockchain

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Checks, guarantees and tokenization: the alternatives Argentine SMEs are exploring as bank credit loses ground

In 40 seconds

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Keep reading

Bogotá Ciudad Aeropuerto seeks to link El Dorado with the Metro and Regiotram

IMF backs economic rescue bill as Banco de la República calls for rigor in its review

Parks and attractions in Colombia generated US$1.095 billion in 2024, according to IAAPA

President requests urgent congressional passage of fiscal adjustment bill