{"id":225,"date":"2026-08-07T21:24:15","date_gmt":"2026-08-07T21:24:15","guid":{"rendered":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=225"},"modified":"2026-09-19T16:55:31","modified_gmt":"2026-09-19T16:55:31","slug":"pymes","status":"publish","type":"page","link":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=225","title":{"rendered":"Pymes"},"content":{"rendered":"\n<!-- Fuente + Font Awesome -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n<!-- Contenedor Aislado Valora SMB Hero -->\n<div id=\"vsmb-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora SMB Hero\n           ========================================= *\/\n        #vsmb-widget {\n            --vsmb-navy: #0b1f3a;\n            --vsmb-blue: #1a4f8a;\n            --vsmb-blue-hover: #163c6b;\n            --vsmb-blue-light: #dbeafe;\n            --vsmb-charcoal: #4b5563;\n            --vsmb-white: #ffffff;\n            --vsmb-pale-gray: #f8fafc;\n            --vsmb-gray-200: #e2e8f0;\n            --vsmb-gray-100: #f1f5f9;\n            --vsmb-green: #16a34a;\n            --vsmb-green-bg: #dcfce7;\n            --vsmb-red: #dc2626;\n            --vsmb-orange: #f59e0b;\n            --vsmb-yellow: #facc15;\n            --vsmb-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vsmb-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.10);\n            --vsmb-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.14);\n            --vsmb-radius-sm: 8px;\n            --vsmb-radius-md: 12px;\n            --vsmb-radius-lg: 16px;\n            --vsmb-transition: 0.25s ease;\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vsmb-white);\n            color: var(--vsmb-charcoal);\n            line-height: 1.6;\n            -webkit-font-smoothing: antialiased;\n            -moz-osx-font-smoothing: grayscale;\n            width: 100%;\n            box-sizing: border-box;\n        }\n\n        #vsmb-widget *,\n        #vsmb-widget *::before,\n        #vsmb-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vsmb-widget h1,\n        #vsmb-widget h2,\n        #vsmb-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vsmb-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        #vsmb-widget button,\n        #vsmb-widget select {\n            font-family: inherit;\n            outline: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vsmb-widget .vsmb-hero-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n            display: grid;\n            grid-template-columns: 0.85fr 1.15fr;\n            gap: 56px;\n            align-items: center;\n        }\n\n        \/* ========== COLUMNA IZQUIERDA ========== *\/\n        #vsmb-widget .vsmb-left-col {\n            padding-right: 16px;\n        }\n\n        #vsmb-widget .vsmb-left-col h1 {\n            font-size: clamp(1.75rem, 3.5vw, 2.75rem);\n            font-weight: 800;\n            color: var(--vsmb-navy);\n            letter-spacing: -0.025em;\n            line-height: 1.15;\n            margin-bottom: 24px;\n        }\n\n        #vsmb-widget .vsmb-left-col h1 .vsmb-highlight {\n            color: var(--vsmb-blue);\n            display: block;\n        }\n\n        #vsmb-widget .vsmb-body-text {\n            font-size: 1.05rem;\n            color: var(--vsmb-charcoal);\n            margin-bottom: 32px;\n            line-height: 1.7;\n            max-width: 520px;\n        }\n\n        #vsmb-widget .vsmb-body-text strong {\n            color: var(--vsmb-navy);\n            font-weight: 700;\n        }\n\n        \/* CTAs *\/\n        #vsmb-widget .vsmb-cta-row {\n            display: flex;\n            gap: 16px;\n            flex-wrap: wrap;\n            margin-bottom: 16px;\n        }\n\n        #vsmb-widget .vsmb-btn {\n            padding: 14px 28px;\n            font-size: 1rem;\n            font-weight: 700;\n            font-family: inherit;\n            border-radius: var(--vsmb-radius-sm);\n            cursor: pointer;\n            transition: all var(--vsmb-transition);\n            display: inline-flex;\n            align-items: center;\n            gap: 8px;\n            text-align: center;\n            white-space: nowrap;\n            border: 2px solid transparent;\n        }\n\n        #vsmb-widget .vsmb-btn-primary {\n            background-color: var(--vsmb-blue);\n            color: var(--vsmb-white);\n            border-color: var(--vsmb-blue);\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.25);\n        }\n\n        #vsmb-widget .vsmb-btn-primary:hover {\n            background-color: var(--vsmb-navy);\n            border-color: var(--vsmb-navy);\n            box-shadow: var(--vsmb-shadow-md);\n            transform: translateY(-2px);\n        }\n\n        #vsmb-widget .vsmb-btn-secondary {\n            background-color: var(--vsmb-white);\n            color: var(--vsmb-navy);\n            border-color: var(--vsmb-navy);\n        }\n\n        #vsmb-widget .vsmb-btn-secondary:hover {\n            background-color: var(--vsmb-pale-gray);\n            border-color: var(--vsmb-blue);\n            color: var(--vsmb-blue);\n            box-shadow: var(--vsmb-shadow-sm);\n        }\n\n        #vsmb-widget .vsmb-fine-print {\n            font-size: 0.85rem;\n            color: #94a3b8;\n            font-weight: 500;\n        }\n\n        \/* ========== COLUMNA DERECHA: DASHBOARD ========== *\/\n        #vsmb-widget .vsmb-right-col {\n            position: relative;\n            background-color: var(--vsmb-pale-gray);\n            border-radius: var(--vsmb-radius-lg);\n            padding: 32px;\n            min-height: 500px;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n        }\n\n        #vsmb-widget .vsmb-dashboard {\n            position: relative;\n            width: 100%;\n            max-width: 580px;\n            height: 460px;\n        }\n\n        \/* ===== Post central: Foto de emprendedores ===== *\/\n        #vsmb-widget .vsmb-central-post {\n            position: absolute;\n            top: 0;\n            left: 20px;\n            right: 20px;\n            background: var(--vsmb-white);\n            border-radius: var(--vsmb-radius-lg);\n            box-shadow: var(--vsmb-shadow-lg);\n            overflow: hidden;\n            z-index: 1;\n            animation: vsmbFloat 5s ease-in-out infinite alternate;\n        }\n\n        #vsmb-widget .vsmb-post-image {\n            width: 100%;\n            height: 220px;\n            background: linear-gradient(135deg, #dbeafe 0%, #bfdbfe 100%);\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            overflow: hidden;\n            position: relative;\n        }\n\n        #vsmb-widget .vsmb-post-image::before {\n            content: \"\";\n            position: absolute;\n            top: -40px;\n            right: -40px;\n            width: 120px;\n            height: 120px;\n            background: rgba(255, 255, 255, 0.4);\n            border-radius: 50%;\n        }\n\n        #vsmb-widget .vsmb-post-placeholder-people {\n            display: flex;\n            gap: 12px;\n            align-items: center;\n            justify-content: center;\n            position: relative;\n            z-index: 2;\n        }\n\n        #vsmb-widget .vsmb-post-placeholder-people span {\n            background: white;\n            border-radius: 50%;\n            padding: 10px;\n            font-size: 3rem;\n            box-shadow: 0 4px 12px rgba(11, 31, 58, 0.15);\n            border: 3px solid white;\n        }\n\n        #vsmb-widget .vsmb-post-actions {\n            display: flex;\n            align-items: center;\n            gap: 12px;\n            padding: 14px 16px;\n            font-size: 0.85rem;\n            color: #64748b;\n            background: var(--vsmb-white);\n        }\n\n        #vsmb-widget .vsmb-post-actions .vsmb-heart {\n            color: var(--vsmb-red);\n            font-size: 1rem;\n        }\n\n        #vsmb-widget .vsmb-engagement-bar {\n            flex: 1;\n            height: 6px;\n            background: var(--vsmb-gray-200);\n            border-radius: 3px;\n            position: relative;\n            overflow: hidden;\n        }\n\n        #vsmb-widget .vsmb-engagement-bar::after {\n            content: \"\";\n            position: absolute;\n            top: 0;\n            left: 0;\n            width: 78%;\n            height: 100%;\n            background: var(--vsmb-green);\n            border-radius: 3px;\n        }\n\n        \/* ===== Widget 1: Plan personalizado con IA ===== *\/\n        #vsmb-widget .vsmb-ai-widget {\n            position: absolute;\n            top: -20px;\n            right: -10px;\n            width: 230px;\n            background: var(--vsmb-white);\n            border-radius: var(--vsmb-radius-md);\n            box-shadow: var(--vsmb-shadow-lg);\n            z-index: 5;\n            padding: 16px;\n            animation: vsmbFloat 5s ease-in-out infinite alternate-reverse;\n            border: 1px solid var(--vsmb-gray-200);\n        }\n\n        #vsmb-widget .vsmb-widget-title {\n            font-weight: 800;\n            color: var(--vsmb-navy);\n            margin-bottom: 10px;\n            font-size: 0.8rem;\n            display: flex;\n            align-items: center;\n            gap: 6px;\n        }\n\n        #vsmb-widget .vsmb-widget-title::before {\n            content: \"\";\n            width: 8px;\n            height: 8px;\n            background: var(--vsmb-blue);\n            border-radius: 50%;\n        }\n\n        #vsmb-widget .vsmb-ai-widget select {\n            width: 100%;\n            padding: 8px 32px 8px 12px;\n            border: 1px solid var(--vsmb-gray-200);\n            border-radius: 6px;\n            background: var(--vsmb-white);\n            color: var(--vsmb-navy);\n            font-size: 0.75rem;\n            font-weight: 600;\n            margin-bottom: 10px;\n            appearance: none;\n            background-image: url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%230b1f3a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C\/polyline%3E%3C\/svg%3E\");\n            background-repeat: no-repeat;\n            background-position: right 10px center;\n        }\n\n        #vsmb-widget .vsmb-tone-buttons {\n            display: flex;\n            flex-wrap: wrap;\n            gap: 6px;\n        }\n\n        #vsmb-widget .vsmb-tone-btn {\n            background: var(--vsmb-gray-100);\n            border: 1px solid var(--vsmb-gray-200);\n            border-radius: 20px;\n            padding: 5px 10px;\n            font-size: 0.65rem;\n            font-weight: 600;\n            color: var(--vsmb-navy);\n            cursor: pointer;\n            display: flex;\n            align-items: center;\n            gap: 4px;\n            transition: all 0.2s ease;\n        }\n\n        #vsmb-widget .vsmb-tone-btn:hover {\n            background: var(--vsmb-blue-light);\n            border-color: var(--vsmb-blue);\n            color: var(--vsmb-blue);\n        }\n\n        \/* ===== Widget 2: Mejor momento para pagar (heatmap) ===== *\/\n        #vsmb-widget .vsmb-heatmap-widget {\n            position: absolute;\n            top: 50%;\n            right: 20px;\n            width: 200px;\n            background: var(--vsmb-white);\n            border-radius: var(--vsmb-radius-md);\n            box-shadow: var(--vsmb-shadow-lg);\n            z-index: 4;\n            padding: 16px;\n            animation: vsmbFloat 5s ease-in-out infinite alternate;\n            border: 1px solid var(--vsmb-gray-200);\n        }\n\n        #vsmb-widget .vsmb-heatmap-header {\n            font-size: 0.7rem;\n            font-weight: 800;\n            color: var(--vsmb-navy);\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n            margin-bottom: 10px;\n        }\n\n        #vsmb-widget .vsmb-heatmap-grid {\n            display: grid;\n            grid-template-columns: 30px repeat(4, 1fr);\n            gap: 2px;\n            margin-bottom: 8px;\n        }\n\n        #vsmb-widget .vsmb-heatmap-label {\n            font-size: 0.55rem;\n            color: #94a3b8;\n            display: flex;\n            align-items: center;\n            font-weight: 600;\n        }\n\n        #vsmb-widget .vsmb-heatmap-cell {\n            width: 15px;\n            height: 15px;\n            background: #e8f5e9;\n            border-radius: 2px;\n            transition: background-color 0.2s ease;\n        }\n\n        #vsmb-widget .vsmb-heatmap-cell.vsmb-active {\n            background: var(--vsmb-green);\n        }\n\n        #vsmb-widget .vsmb-heatmap-cell.vsmb-medium {\n            background: #86efac;\n        }\n\n        #vsmb-widget .vsmb-best-time {\n            font-size: 0.65rem;\n            color: var(--vsmb-navy);\n            background: var(--vsmb-blue-light);\n            border-radius: 4px;\n            padding: 5px 8px;\n            display: inline-block;\n            font-weight: 700;\n        }\n\n        \/* ===== Widget 3: Bandeja de alertas ===== *\/\n        #vsmb-widget .vsmb-inbox-widget {\n            position: absolute;\n            bottom: 0;\n            right: 20px;\n            width: 210px;\n            background: var(--vsmb-white);\n            border-radius: var(--vsmb-radius-md);\n            box-shadow: var(--vsmb-shadow-lg);\n            z-index: 4;\n            padding: 16px;\n            animation: vsmbFloat 5s ease-in-out infinite alternate-reverse;\n            border: 1px solid var(--vsmb-gray-200);\n        }\n\n        #vsmb-widget .vsmb-inbox-header {\n            font-weight: 800;\n            color: var(--vsmb-navy);\n            margin-bottom: 10px;\n            font-size: 0.7rem;\n            letter-spacing: 0.05em;\n            text-transform: uppercase;\n        }\n\n        #vsmb-widget .vsmb-inbox-bar {\n            display: flex;\n            height: 26px;\n            border-radius: 13px;\n            overflow: hidden;\n            margin-bottom: 8px;\n            font-size: 0.65rem;\n            font-weight: 800;\n        }\n\n        #vsmb-widget .vsmb-inbox-segment {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n        }\n\n        #vsmb-widget .vsmb-inbox-segment.vsmb-mine {\n            background: var(--vsmb-orange);\n            width: 35%;\n            color: #ffffff;\n        }\n\n        #vsmb-widget .vsmb-inbox-segment.vsmb-team {\n            background: var(--vsmb-blue);\n            width: 65%;\n            color: #ffffff;\n        }\n\n        #vsmb-widget .vsmb-inbox-labels {\n            display: flex;\n            justify-content: space-between;\n            font-size: 0.6rem;\n            color: #64748b;\n            font-weight: 500;\n            gap: 6px;\n        }\n\n        \/* ===== Badge de emprendedores ===== *\/\n        #vsmb-widget .vsmb-engagement-badge {\n            position: absolute;\n            bottom: 30px;\n            left: -10px;\n            width: 80px;\n            height: 80px;\n            background: var(--vsmb-white);\n            border-radius: 50%;\n            box-shadow: var(--vsmb-shadow-lg);\n            z-index: 6;\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            justify-content: center;\n            animation: vsmbFloat 5s ease-in-out infinite alternate;\n            border: 3px solid var(--vsmb-blue-light);\n        }\n\n        #vsmb-widget .vsmb-engagement-badge .vsmb-heart-icon {\n            font-size: 1.5rem;\n            color: var(--vsmb-blue);\n            margin-bottom: 2px;\n        }\n\n        #vsmb-widget .vsmb-engagement-badge .vsmb-count {\n            font-weight: 800;\n            font-size: 0.85rem;\n            color: var(--vsmb-navy);\n            line-height: 1;\n        }\n\n        #vsmb-widget .vsmb-engagement-badge .vsmb-count-label {\n            font-size: 0.5rem;\n            color: #94a3b8;\n            font-weight: 600;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n        }\n\n        \/* ========== ANIMACIONES ========== *\/\n        @keyframes vsmbFloat {\n            0% { transform: translateY(0); }\n            100% { transform: translateY(-6px); }\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 992px) {\n            #vsmb-widget .vsmb-hero-section {\n                grid-template-columns: 1fr;\n                gap: 40px;\n                padding: 56px 20px;\n            }\n            #vsmb-widget .vsmb-left-col {\n                padding-right: 0;\n                text-align: center;\n            }\n            #vsmb-widget .vsmb-body-text {\n                margin-left: auto;\n                margin-right: auto;\n            }\n            #vsmb-widget .vsmb-cta-row {\n                justify-content: center;\n            }\n            #vsmb-widget .vsmb-right-col {\n                max-width: 600px;\n                margin: 0 auto;\n            }\n            #vsmb-widget .vsmb-dashboard {\n                max-width: 520px;\n            }\n        }\n\n        @media (max-width: 600px) {\n            #vsmb-widget .vsmb-hero-section {\n                padding: 40px 16px;\n            }\n            #vsmb-widget .vsmb-cta-row {\n                flex-direction: column;\n                align-items: stretch;\n            }\n            #vsmb-widget .vsmb-btn {\n                width: 100%;\n                justify-content: center;\n            }\n            #vsmb-widget .vsmb-right-col {\n                padding: 24px 12px;\n                min-height: 420px;\n            }\n            #vsmb-widget .vsmb-dashboard {\n                height: 400px;\n            }\n            #vsmb-widget .vsmb-post-image {\n                height: 180px;\n            }\n            #vsmb-widget .vsmb-post-placeholder-people span {\n                font-size: 2.2rem;\n                padding: 8px;\n            }\n            #vsmb-widget .vsmb-ai-widget {\n                width: 170px;\n                right: -5px;\n                top: -15px;\n                padding: 12px;\n            }\n            #vsmb-widget .vsmb-heatmap-widget {\n                width: 150px;\n                right: 10px;\n                top: 45%;\n                padding: 12px;\n            }\n            #vsmb-widget .vsmb-heatmap-cell {\n                width: 10px;\n                height: 10px;\n            }\n            #vsmb-widget .vsmb-inbox-widget {\n                width: 160px;\n                right: 10px;\n                padding: 12px;\n            }\n            #vsmb-widget .vsmb-engagement-badge {\n                width: 60px;\n                height: 60px;\n                left: -5px;\n                bottom: 20px;\n            }\n            #vsmb-widget .vsmb-engagement-badge .vsmb-heart-icon {\n                font-size: 1.1rem;\n            }\n            #vsmb-widget .vsmb-engagement-badge .vsmb-count {\n                font-size: 0.7rem;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vsmb-widget .vsmb-central-post,\n            #vsmb-widget .vsmb-ai-widget,\n            #vsmb-widget .vsmb-heatmap-widget,\n            #vsmb-widget .vsmb-inbox-widget,\n            #vsmb-widget .vsmb-engagement-badge {\n                animation: none;\n            }\n            #vsmb-widget .vsmb-btn {\n                transition: none;\n            }\n            #vsmb-widget .vsmb-btn-primary:hover,\n            #vsmb-widget .vsmb-btn-secondary:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vsmb-hero-section\" aria-label=\"Gesti\u00f3n financiera para emprendedores y peque\u00f1os negocios\">\n\n        <!-- ========== COLUMNA IZQUIERDA ========== -->\n        <div class=\"vsmb-left-col\">\n            <h1>\n                Simplifica tus finanzas como emprendedor o\n                <span class=\"vsmb-highlight\">peque\u00f1o negocio.<\/span>\n            <\/h1>\n            <p class=\"vsmb-body-text\">\n                Deja que Valora se encargue del trabajo tedioso. Ordena tus deudas, reconstruye tu historial y accede a <strong>mejores cr\u00e9ditos<\/strong> con un asesor financiero con IA, plantillas de presupuesto y planes de pago automatizados \u2014 todo en un solo lugar.\n            <\/p>\n            <div class=\"vsmb-cta-row\">\n                <a href=\"#diagnostico\" class=\"vsmb-btn vsmb-btn-primary\">\n                    <i class=\"fa-solid fa-calendar-check\"><\/i>\n                    Agendar diagn\u00f3stico\n                <\/a>\n                <a href=\"#asesor\" class=\"vsmb-btn vsmb-btn-secondary\">\n                    Hablar con un asesor\n                <\/a>\n            <\/div>\n            <p class=\"vsmb-fine-print\">\n                Diagn\u00f3stico desde S\/ 30 \u00b7 Sin compromiso \u00b7 Confidencialidad garantizada\n            <\/p>\n        <\/div>\n\n        <!-- ========== COLUMNA DERECHA: DASHBOARD ========== -->\n        <div class=\"vsmb-right-col\">\n            <div class=\"vsmb-dashboard\">\n\n                <!-- ===== Post central: emprendedores ===== -->\n                <div class=\"vsmb-central-post\">\n                    <div class=\"vsmb-post-image\">\n                        <div class=\"vsmb-post-placeholder-people\">\n                            <span>\ud83d\udc68\ud83c\udffe\u200d\ud83d\udcbc<\/span>\n                            <span>\ud83d\udc69\ud83c\udffb\u200d\ud83d\udcbc<\/span>\n                        <\/div>\n                    <\/div>\n                    <div class=\"vsmb-post-actions\">\n                        <span class=\"vsmb-heart\">\u2764<\/span>\n                        <span>\ud83d\udcac<\/span>\n                        <span>\u2197<\/span>\n                        <span>\ud83d\udd16<\/span>\n                        <div class=\"vsmb-engagement-bar\" aria-hidden=\"true\"><\/div>\n                    <\/div>\n                <\/div>\n\n                <!-- ===== Widget 1: Plan personalizado con IA ===== -->\n                <div class=\"vsmb-ai-widget\">\n                    <div class=\"vsmb-widget-title\">Plan con IA<\/div>\n                    <select aria-label=\"Selecciona tu perfil\">\n                        <option selected>Selecciona tu perfil<\/option>\n                    <\/select>\n                    <div class=\"vsmb-tone-buttons\">\n                        <button class=\"vsmb-tone-btn\">\ud83d\udecd\ufe0f Comerciante<\/button>\n                        <button class=\"vsmb-tone-btn\">\ud83c\udf7d\ufe0f Restaurante<\/button>\n                        <button class=\"vsmb-tone-btn\">\ud83d\ude9a Transporte<\/button>\n                        <button class=\"vsmb-tone-btn\">\ud83c\udf3e Agricultor<\/button>\n                    <\/div>\n                <\/div>\n\n                <!-- ===== Widget 2: Mejor momento para pagar ===== -->\n                <div class=\"vsmb-heatmap-widget\">\n                    <div class=\"vsmb-heatmap-header\">Mejor momento para pagar<\/div>\n                    <div class=\"vsmb-heatmap-grid\">\n                        <div class=\"vsmb-heatmap-label\"><\/div>\n                        <div class=\"vsmb-heatmap-label\">Sem 1<\/div>\n                        <div class=\"vsmb-heatmap-label\">Sem 2<\/div>\n                        <div class=\"vsmb-heatmap-label\">Sem 3<\/div>\n                        <div class=\"vsmb-heatmap-label\">Sem 4<\/div>\n\n                        <div class=\"vsmb-heatmap-label\">Ene<\/div>\n                        <div class=\"vsmb-heatmap-cell vsmb-medium\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n\n                        <div class=\"vsmb-heatmap-label\">Feb<\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell vsmb-active\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n\n                        <div class=\"vsmb-heatmap-label\">Mar<\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell vsmb-active\"><\/div>\n                        <div class=\"vsmb-heatmap-cell vsmb-medium\"><\/div>\n\n                        <div class=\"vsmb-heatmap-label\">Abr<\/div>\n                        <div class=\"vsmb-heatmap-cell vsmb-medium\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n\n                        <div class=\"vsmb-heatmap-label\">May<\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                        <div class=\"vsmb-heatmap-cell vsmb-active\"><\/div>\n                        <div class=\"vsmb-heatmap-cell\"><\/div>\n                    <\/div>\n                    <span class=\"vsmb-best-time\">\u2713 15 de cada mes<\/span>\n                <\/div>\n\n                <!-- ===== Widget 3: Bandeja de alertas ===== -->\n                <div class=\"vsmb-inbox-widget\">\n                    <div class=\"vsmb-inbox-header\">Alertas de pago<\/div>\n                    <div class=\"vsmb-inbox-bar\">\n                        <div class=\"vsmb-inbox-segment vsmb-mine\">13<\/div>\n                        <div class=\"vsmb-inbox-segment vsmb-team\">46<\/div>\n                    <\/div>\n                    <div class=\"vsmb-inbox-labels\">\n                        <span>Esta semana<\/span>\n                        <span>Este mes<\/span>\n                    <\/div>\n                <\/div>\n\n                <!-- ===== Badge de emprendedores ===== -->\n                <div class=\"vsmb-engagement-badge\">\n                    <span class=\"vsmb-heart-icon\">\n                        <i class=\"fa-solid fa-users\"><\/i>\n                    <\/span>\n                    <span class=\"vsmb-count\">+100<\/span>\n                    <span class=\"vsmb-count-label\">Emprend.<\/span>\n                <\/div>\n\n            <\/div>\n        <\/div>\n\n    <\/section>\n<\/div>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Fuente + Font Awesome -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n<!-- Contenedor Aislado Valora Automation -->\n<div id=\"vauto-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Automation\n           ========================================= *\/\n        #vauto-widget {\n            --vauto-navy: #0b1f3a;\n            --vauto-blue: #1a4f8a;\n            --vauto-blue-hover: #163c6b;\n            --vauto-blue-light: #dbeafe;\n            --vauto-charcoal: #4b5563;\n            --vauto-white: #ffffff;\n            --vauto-off-white: #f8fafc;\n            --vauto-gray-100: #f1f5f9;\n            --vauto-gray-200: #e2e8f0;\n            --vauto-green: #16a34a;\n            --vauto-green-bg: #dcfce7;\n            --vauto-orange: #f59e0b;\n            --vauto-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vauto-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n            --vauto-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.16);\n            --vauto-radius-sm: 8px;\n            --vauto-radius-md: 12px;\n            --vauto-radius-lg: 20px;\n            --vauto-transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vauto-white);\n            color: var(--vauto-charcoal);\n            line-height: 1.6;\n            -webkit-font-smoothing: antialiased;\n            -moz-osx-font-smoothing: grayscale;\n            width: 100%;\n            box-sizing: border-box;\n        }\n\n        #vauto-widget *,\n        #vauto-widget *::before,\n        #vauto-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vauto-widget h1,\n        #vauto-widget h2,\n        #vauto-widget h3,\n        #vauto-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vauto-widget button {\n            background: none;\n            border: none;\n            font-family: inherit;\n            outline: none;\n            cursor: pointer;\n        }\n\n        #vauto-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vauto-widget .vauto-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n        }\n\n        \/* ========== HEADER ========== *\/\n        #vauto-widget .vauto-header {\n            text-align: center;\n            max-width: 900px;\n            margin: 0 auto 64px;\n        }\n\n        #vauto-widget .vauto-header h2 {\n            font-size: clamp(1.75rem, 4vw, 2.75rem);\n            font-weight: 800;\n            color: var(--vauto-navy);\n            letter-spacing: -0.025em;\n            line-height: 1.2;\n            margin-bottom: 16px;\n        }\n\n        #vauto-widget .vauto-header p {\n            font-size: 1.1rem;\n            color: var(--vauto-charcoal);\n            line-height: 1.7;\n            max-width: 720px;\n            margin: 0 auto;\n        }\n\n        \/* ========== GRID ========== *\/\n        #vauto-widget .vauto-content-grid {\n            display: grid;\n            grid-template-columns: 0.8fr 1.2fr;\n            gap: 56px;\n            align-items: start;\n        }\n\n        \/* ========== COLUMNA IZQUIERDA: VISUAL ========== *\/\n        #vauto-widget .vauto-visual-panel {\n            position: relative;\n            background: linear-gradient(135deg, var(--vauto-blue) 0%, var(--vauto-navy) 100%);\n            border-radius: var(--vauto-radius-lg);\n            padding: 32px;\n            min-height: 480px;\n            overflow: hidden;\n            box-shadow: var(--vauto-shadow-md);\n            display: flex;\n            align-items: center;\n            justify-content: center;\n        }\n\n        \/* Patr\u00f3n de \u00edconos de negocio *\/\n        #vauto-widget .vauto-visual-panel::before {\n            content: \"\";\n            position: absolute;\n            top: 0;\n            left: 0;\n            width: 100%;\n            height: 100%;\n            background-image: \n                radial-gradient(circle at 20% 20%, rgba(255,255,255,0.08) 0%, transparent 50%),\n                radial-gradient(circle at 80% 80%, rgba(255,255,255,0.06) 0%, transparent 50%);\n            pointer-events: none;\n        }\n\n        #vauto-widget .vauto-visual-panel::after {\n            content: \"\ud83d\udcb0 \ud83d\udcca \ud83d\udcb3 \ud83d\udcc8 \ud83d\udcb5\";\n            position: absolute;\n            font-size: 2.5rem;\n            letter-spacing: 40px;\n            line-height: 80px;\n            top: 0;\n            left: 20px;\n            right: 20px;\n            bottom: 0;\n            opacity: 0.08;\n            pointer-events: none;\n            word-break: break-all;\n        }\n\n        #vauto-widget .vauto-visual-content {\n            position: relative;\n            z-index: 2;\n            width: 100%;\n            max-width: 340px;\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            gap: 20px;\n        }\n\n        \/* Retrato circular *\/\n        #vauto-widget .vauto-portrait-frame {\n            width: 180px;\n            height: 180px;\n            background: var(--vauto-white);\n            border-radius: 50%;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            box-shadow: 0 10px 20px rgba(0, 0, 0, 0.25);\n            overflow: hidden;\n            position: relative;\n            z-index: 3;\n            border: 4px solid rgba(255, 255, 255, 0.3);\n        }\n\n        #vauto-widget .vauto-portrait-frame .vauto-placeholder {\n            font-size: 5rem;\n            filter: drop-shadow(0 4px 8px rgba(0, 0, 0, 0.15));\n        }\n\n        \/* ===== Badges flotantes ===== *\/\n        #vauto-widget .vauto-badge {\n            position: absolute;\n            background: var(--vauto-white);\n            border-radius: var(--vauto-radius-md);\n            box-shadow: var(--vauto-shadow-lg);\n            z-index: 4;\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            justify-content: center;\n            padding: 10px 14px;\n            transition: transform 0.25s ease;\n            border: 2px solid var(--vauto-white);\n        }\n\n        #vauto-widget .vauto-badge:hover {\n            transform: translateY(-4px);\n        }\n\n        \/* Badge thumbs up (arriba izquierda) *\/\n        #vauto-widget .vauto-badge-thumbs {\n            top: 10px;\n            left: -30px;\n        }\n\n        #vauto-widget .vauto-badge-thumbs .vauto-thumbs-icon {\n            font-size: 1.8rem;\n            color: var(--vauto-blue);\n            margin-bottom: 4px;\n            line-height: 1;\n        }\n\n        #vauto-widget .vauto-badge-thumbs .vauto-value {\n            font-weight: 800;\n            font-size: 1rem;\n            color: var(--vauto-navy);\n            line-height: 1;\n        }\n\n        #vauto-widget .vauto-badge-thumbs .vauto-label {\n            font-size: 0.5rem;\n            color: #94a3b8;\n            font-weight: 700;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n            margin-top: 3px;\n        }\n\n        \/* Badge gr\u00e1fico (abajo izquierda) *\/\n        #vauto-widget .vauto-badge-graph {\n            bottom: 20px;\n            left: -20px;\n            width: 130px;\n            padding: 14px;\n            align-items: flex-start;\n        }\n\n        #vauto-widget .vauto-badge-graph .vauto-node {\n            width: 10px;\n            height: 10px;\n            background: var(--vauto-navy);\n            border-radius: 50%;\n            margin-bottom: 8px;\n        }\n\n        #vauto-widget .vauto-badge-graph .vauto-progress-bar {\n            width: 80%;\n            height: 6px;\n            background: #e0e0e0;\n            border-radius: 3px;\n            margin-bottom: 8px;\n        }\n\n        #vauto-widget .vauto-badge-graph .vauto-progress-bar::after {\n            content: \"\";\n            display: block;\n            width: 78%;\n            height: 100%;\n            background: var(--vauto-green);\n            border-radius: 3px;\n        }\n\n        #vauto-widget .vauto-badge-graph .vauto-graph-label {\n            font-size: 0.6rem;\n            color: #64748b;\n            font-weight: 600;\n            margin-bottom: 4px;\n        }\n\n        #vauto-widget .vauto-badge-graph .vauto-curve {\n            width: 100%;\n            height: 30px;\n            position: relative;\n        }\n\n        #vauto-widget .vauto-badge-graph .vauto-curve svg {\n            width: 100%;\n            height: 100%;\n        }\n\n        \/* Badge chart (abajo derecha) *\/\n        #vauto-widget .vauto-badge-chart {\n            bottom: 30px;\n            right: -20px;\n            background: var(--vauto-navy);\n            border-radius: 50%;\n            width: 60px;\n            height: 60px;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            padding: 0;\n            color: white;\n            font-size: 1.3rem;\n            border: 3px solid var(--vauto-white);\n        }\n\n        #vauto-widget .vauto-badge-chart i {\n            color: white;\n        }\n\n        \/* ========== COLUMNA DERECHA: ACORDE\u00d3N ========== *\/\n        #vauto-widget .vauto-accordion {\n            display: flex;\n            flex-direction: column;\n        }\n\n        #vauto-widget .vauto-item {\n            border-bottom: 1px solid var(--vauto-gray-200);\n        }\n\n        #vauto-widget .vauto-item:first-child {\n            border-top: 1px solid var(--vauto-gray-200);\n        }\n\n        #vauto-widget .vauto-trigger {\n            display: flex;\n            align-items: center;\n            justify-content: space-between;\n            width: 100%;\n            padding: 22px 0;\n            text-align: left;\n            font-size: 1.05rem;\n            font-weight: 700;\n            color: var(--vauto-navy);\n            transition: color var(--vauto-transition);\n            gap: 16px;\n            line-height: 1.4;\n        }\n\n        #vauto-widget .vauto-trigger:hover {\n            color: var(--vauto-blue);\n        }\n\n        #vauto-widget .vauto-trigger.vauto-active {\n            color: var(--vauto-blue);\n        }\n\n        #vauto-widget .vauto-chevron {\n            flex-shrink: 0;\n            width: 22px;\n            height: 22px;\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n            color: var(--vauto-navy);\n            transition: transform var(--vauto-transition), color var(--vauto-transition);\n        }\n\n        #vauto-widget .vauto-trigger.vauto-active .vauto-chevron {\n            transform: rotate(180deg);\n            color: var(--vauto-blue);\n        }\n\n        #vauto-widget .vauto-chevron svg {\n            width: 100%;\n            height: 100%;\n            fill: currentColor;\n        }\n\n        #vauto-widget .vauto-content {\n            max-height: 0;\n            overflow: hidden;\n            transition: max-height 0.4s ease, padding 0.4s ease;\n            padding: 0;\n        }\n\n        #vauto-widget .vauto-content.vauto-open {\n            max-height: 500px;\n            padding: 0 0 24px 0;\n        }\n\n        #vauto-widget .vauto-content-inner {\n            font-size: 0.98rem;\n            color: var(--vauto-charcoal);\n            line-height: 1.7;\n            margin-bottom: 16px;\n        }\n\n        #vauto-widget .vauto-content-inner strong {\n            color: var(--vauto-navy);\n            font-weight: 700;\n        }\n\n        #vauto-widget .vauto-link {\n            font-weight: 700;\n            color: var(--vauto-blue);\n            text-decoration: underline;\n            text-underline-offset: 4px;\n            text-decoration-thickness: 2px;\n            transition: color 0.2s ease;\n            display: inline-flex;\n            align-items: center;\n            gap: 6px;\n        }\n\n        #vauto-widget .vauto-link:hover {\n            color: var(--vauto-navy);\n        }\n\n        #vauto-widget .vauto-link i {\n            font-size: 0.75rem;\n            transition: transform 0.2s ease;\n        }\n\n        #vauto-widget .vauto-link:hover i {\n            transform: translateX(3px);\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 992px) {\n            #vauto-widget .vauto-content-grid {\n                grid-template-columns: 1fr;\n                gap: 40px;\n            }\n            #vauto-widget .vauto-visual-panel {\n                max-width: 600px;\n                margin: 0 auto;\n                min-height: 400px;\n            }\n            #vauto-widget .vauto-badge-thumbs {\n                left: -10px;\n                top: 5px;\n            }\n            #vauto-widget .vauto-badge-graph {\n                left: -5px;\n                bottom: 10px;\n            }\n            #vauto-widget .vauto-badge-chart {\n                right: -5px;\n                bottom: 20px;\n            }\n        }\n\n        @media (max-width: 600px) {\n            #vauto-widget .vauto-section {\n                padding: 48px 16px;\n            }\n            #vauto-widget .vauto-header {\n                margin-bottom: 40px;\n            }\n            #vauto-widget .vauto-visual-panel {\n                padding: 20px;\n                min-height: 350px;\n            }\n            #vauto-widget .vauto-portrait-frame {\n                width: 140px;\n                height: 140px;\n            }\n            #vauto-widget .vauto-portrait-frame .vauto-placeholder {\n                font-size: 3.5rem;\n            }\n            #vauto-widget .vauto-badge-thumbs {\n                left: -5px;\n                top: 0;\n                padding: 8px 10px;\n            }\n            #vauto-widget .vauto-badge-thumbs .vauto-thumbs-icon {\n                font-size: 1.4rem;\n            }\n            #vauto-widget .vauto-badge-graph {\n                width: 110px;\n                left: -5px;\n                bottom: 0;\n                padding: 10px;\n            }\n            #vauto-widget .vauto-badge-chart {\n                width: 48px;\n                height: 48px;\n                right: -5px;\n                bottom: 10px;\n                font-size: 1rem;\n            }\n            #vauto-widget .vauto-trigger {\n                font-size: 0.98rem;\n                padding: 18px 0;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vauto-widget .vauto-badge,\n            #vauto-widget .vauto-chevron,\n            #vauto-widget .vauto-content,\n            #vauto-widget .vauto-link i {\n                transition: none;\n            }\n            #vauto-widget .vauto-badge:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vauto-section\" aria-labelledby=\"vauto-heading\">\n\n        <!-- Header -->\n        <div class=\"vauto-header\">\n            <h2 id=\"vauto-heading\">Consigue un equipo extra de apoyo financiero<\/h2>\n            <p>\n                Valora reduce tu carga financiera a la mitad con herramientas que ordenan tus deudas, automatizan tus pagos y te conectan con asesores expertos. Ahora puedes enfocarte en hacer crecer tu negocio (y dormir tranquilo por fin).\n            <\/p>\n        <\/div>\n\n        <!-- Grid -->\n        <div class=\"vauto-content-grid\">\n\n            <!-- ========== COLUMNA IZQUIERDA: VISUAL ========== -->\n            <div class=\"vauto-visual-panel\" aria-hidden=\"true\">\n                <div class=\"vauto-visual-content\">\n                    <div class=\"vauto-portrait-frame\">\n                        <span class=\"vauto-placeholder\">\ud83d\udc69\ud83c\udffb\u200d\ud83d\udcbc<\/span>\n                    <\/div>\n                <\/div>\n\n                <!-- Badge thumbs up -->\n                <div class=\"vauto-badge vauto-badge-thumbs\">\n                    <span class=\"vauto-thumbs-icon\">\n                        <i class=\"fa-solid fa-users\"><\/i>\n                    <\/span>\n                    <span class=\"vauto-value\">+100<\/span>\n                    <span class=\"vauto-label\">Emprend.<\/span>\n                <\/div>\n\n                <!-- Badge gr\u00e1fico -->\n                <div class=\"vauto-badge vauto-badge-graph\">\n                    <div class=\"vauto-node\"><\/div>\n                    <div class=\"vauto-graph-label\">Deuda reducida<\/div>\n                    <div class=\"vauto-progress-bar\"><\/div>\n                    <div class=\"vauto-curve\">\n                        <svg viewBox=\"0 0 80 30\" preserveAspectRatio=\"none\">\n                            <path d=\"M0,25 Q20,5 40,15 T80,10\" fill=\"none\" stroke=\"#16a34a\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n                        <\/svg>\n                    <\/div>\n                <\/div>\n\n                <!-- Badge chart -->\n                <div class=\"vauto-badge vauto-badge-chart\">\n                    <i class=\"fa-solid fa-chart-line\"><\/i>\n                <\/div>\n            <\/div>\n\n            <!-- ========== COLUMNA DERECHA: ACORDE\u00d3N ========== -->\n            <div class=\"vauto-accordion\" id=\"vautoAccordion\">\n\n                <!-- Item 1 -->\n                <div class=\"vauto-item\">\n                    <button class=\"vauto-trigger\" aria-expanded=\"false\">\n                        <span>Ordena tus deudas y recupera tu tranquilidad<\/span>\n                        <span class=\"vauto-chevron\" aria-hidden=\"true\">\n                            <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                        <\/span>\n                    <\/button>\n                    <div class=\"vauto-content\">\n                        <div class=\"vauto-content-inner\">\n                            Analizamos todas tus deudas, negociamos con tus acreedores y dise\u00f1amos un <strong>plan de pagos personalizado<\/strong> que se adapta a los ingresos reales de tu negocio. Sin sorpresas, sin intereses ocultos.\n                        <\/div>\n                        <a href=\"#orden-deudas\" class=\"vauto-link\">\n                            Conoce el proceso <i class=\"fa-solid fa-arrow-right\"><\/i>\n                        <\/a>\n                    <\/div>\n                <\/div>\n\n                <!-- Item 2 -->\n                <div class=\"vauto-item\">\n                    <button class=\"vauto-trigger\" aria-expanded=\"false\">\n                        <span>Mantente al d\u00eda con tus pagos y evita moras<\/span>\n                        <span class=\"vauto-chevron\" aria-hidden=\"true\">\n                            <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                        <\/span>\n                    <\/button>\n                    <div class=\"vauto-content\">\n                        <div class=\"vauto-content-inner\">\n                            Recibe <strong>alertas autom\u00e1ticas por WhatsApp<\/strong> antes de cada cuota, accede a tu calendario de pagos en l\u00ednea y consulta el estado de tu score crediticio en tiempo real. Nunca m\u00e1s olvides una fecha importante.\n                        <\/div>\n                        <a href=\"#alertas-pago\" class=\"vauto-link\">\n                            Ver calendario <i class=\"fa-solid fa-arrow-right\"><\/i>\n                        <\/a>\n                    <\/div>\n                <\/div>\n\n                <!-- Item 3 -->\n                <div class=\"vauto-item\">\n                    <button class=\"vauto-trigger\" aria-expanded=\"false\">\n                        <span>Atiende tu negocio mientras ordenamos tus finanzas<\/span>\n                        <span class=\"vauto-chevron\" aria-hidden=\"true\">\n                            <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                        <\/span>\n                    <\/button>\n                    <div class=\"vauto-content\">\n                        <div class=\"vauto-content-inner\">\n                            Nos encargamos de la parte compleja: negociaci\u00f3n con bancos, tr\u00e1mites legales, cartas de no adeudo. T\u00fa te enfocas en <strong>vender, atender y crecer<\/strong>. Nuestro equipo de asesores trabaja para que tu \u00fanico trabajo sea tu negocio.\n                        <\/div>\n                        <a href=\"#acompanamiento\" class=\"vauto-link\">\n                            C\u00f3mo funciona <i class=\"fa-solid fa-arrow-right\"><\/i>\n                        <\/a>\n                    <\/div>\n                <\/div>\n\n                <!-- Item 4 -->\n                <div class=\"vauto-item\">\n                    <button class=\"vauto-trigger\" aria-expanded=\"false\">\n                        <span>Crece con tu comunidad de emprendedores<\/span>\n                        <span class=\"vauto-chevron\" aria-hidden=\"true\">\n                            <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                        <\/span>\n                    <\/button>\n                    <div class=\"vauto-content\">\n                        <div class=\"vauto-content-inner\">\n                            Forma parte de la <strong>comunidad Valora<\/strong>: cientos de emprendedores de la Selva Central que comparten experiencias, se apoyan mutuamente y acceden juntos a mejores cr\u00e9ditos. Los estudios muestran que los emprendedores acompa\u00f1ados crecen 3 veces m\u00e1s r\u00e1pido que los que van solos.\n                        <\/div>\n                        <a href=\"#comunidad\" class=\"vauto-link\">\n                            Unirme a la comunidad <i class=\"fa-solid fa-arrow-right\"><\/i>\n                        <\/a>\n                    <\/div>\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vauto-widget');\n        if (!widget) return;\n\n        const items = widget.querySelectorAll('.vauto-item');\n\n        function closeItem(item) {\n            const btn = item.querySelector('.vauto-trigger');\n            const content = item.querySelector('.vauto-content');\n            btn.classList.remove('vauto-active');\n            btn.setAttribute('aria-expanded', 'false');\n            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var(--vfaq-blue);\n            padding: 14px 18px;\n            border-radius: 4px;\n            margin-top: 14px;\n            font-size: 0.95rem;\n        }\n\n        #vfaq-smb-widget .vfaq-highlight-green {\n            background: var(--vfaq-green-bg);\n            border-left-color: var(--vfaq-green);\n        }\n\n        #vfaq-smb-widget .vfaq-highlight-green strong {\n            color: var(--vfaq-green);\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 600px) {\n            #vfaq-smb-widget .vfaq-section {\n                padding: 48px 16px;\n            }\n            #vfaq-smb-widget .vfaq-header {\n                margin-bottom: 36px;\n            }\n            #vfaq-smb-widget .vfaq-question {\n                font-size: 0.98rem;\n                padding: 18px 0;\n            }\n            #vfaq-smb-widget .vfaq-answer-inner {\n                font-size: 0.92rem;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vfaq-smb-widget .vfaq-chevron,\n            #vfaq-smb-widget .vfaq-answer {\n                transition: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vfaq-section\" aria-labelledby=\"vfaq-smb-heading\">\n        <h2 id=\"vfaq-smb-heading\" class=\"vfaq-header\">Preguntas frecuentes<\/h2>\n\n        <div class=\"vfaq-list\" id=\"vfaq-smb-list\">\n\n            <!-- Pregunta 1 -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfC\u00f3mo puede Valora ayudar a mi peque\u00f1o negocio a ordenar sus finanzas?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>Valora ayuda a peque\u00f1os negocios de la Selva Central a <strong>ahorrar hasta S\/ 12,000 al a\u00f1o<\/strong> al centralizar todas las tareas financieras en un \u00fanico acompa\u00f1amiento profesional.<\/p>\n                        <p>Reducimos tu carga financiera con herramientas que automatizan pagos, ordenan tus deudas y te conectan con asesores expertos. Esto te permite enfocarte en <strong>hacer crecer tu negocio<\/strong> en lugar de perder tiempo negociando con bancos o huyendo de cobradores.<\/p>\n                        <ul>\n                            <li><strong>Diagn\u00f3stico financiero personalizado<\/strong> desde S\/ 30<\/li>\n                            <li><strong>Negociaci\u00f3n directa<\/strong> con tus acreedores<\/li>\n                            <li><strong>Plan de pagos automatizado<\/strong> con alertas por WhatsApp<\/li>\n                            <li><strong>Acceso a educaci\u00f3n financiera<\/strong> sin costo adicional<\/li>\n                        <\/ul>\n                        <div class=\"vfaq-highlight\">\n                            Nuestros clientes emprendedores recuperan la tranquilidad en promedio a los <strong>3 meses<\/strong> de empezar y salen de deudas en <strong>12-18 meses<\/strong>.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 2 -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfQu\u00e9 plan de Valora es ideal para peque\u00f1os negocios?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>El plan ideal depende completamente del tama\u00f1o y las necesidades de tu negocio. En Valora ofrecemos opciones flexibles que se adaptan a distintos momentos:<\/p>\n                        <p><strong>Para bodegueros, comerciantes y peque\u00f1os emprendedores:<\/strong> el <strong>Diagn\u00f3stico (S\/ 30)<\/strong> es el punto de partida ideal. Analizamos tu situaci\u00f3n y te damos un plan concreto.<\/p>\n                        <p><strong>Para negocios con deudas activas:<\/strong> el plan <strong>Premium (S\/ 60\/mes)<\/strong> es el m\u00e1s popular. Incluye negociaci\u00f3n con acreedores, plan de pagos personalizado y reconstrucci\u00f3n de tu score crediticio.<\/p>\n                        <p>Si a\u00fan no est\u00e1s seguro, <a href=\"#diagnostico\">empieza con tu diagn\u00f3stico<\/a> y te asesoramos seg\u00fan tus n\u00fameros reales.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 3 -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfQu\u00e9 plan de Valora es mejor para negocios en crecimiento?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>Para negocios en crecimiento, recomendamos encarecidamente el plan <strong>Patrimonial (3% anual)<\/strong>, que se adapta al volumen de tu patrimonio asesorado y crece contigo.<\/p>\n                        <p>Este plan incluye todo lo de Premium, m\u00e1s servicios exclusivos dise\u00f1ados para emprendedores que ya salieron de deudas y quieren multiplicar su capital:<\/p>\n                        <ul>\n                            <li><strong>Asesor\u00eda de inversiones personalizada<\/strong><\/li>\n                            <li><strong>Portafolio diversificado<\/strong> seg\u00fan tu perfil de riesgo<\/li>\n                            <li><strong>Planificaci\u00f3n de metas<\/strong> a corto y largo plazo<\/li>\n                            <li><strong>Gesti\u00f3n patrimonial familiar<\/strong><\/li>\n                            <li><strong>Asesor\u00eda tributaria<\/strong> para optimizar tu negocio<\/li>\n                        <\/ul>\n                        <div class=\"vfaq-highlight vfaq-highlight-green\">\n                            <strong>Resultado t\u00edpico:<\/strong> negocios que pasan a Patrimonial multiplican su capital invertido <strong>2.5x en 3 a\u00f1os<\/strong> y acceden a cr\u00e9ditos con tasas preferenciales por tener score excelente. <a href=\"#planes\">Comparar todos los planes<\/a>.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n        <\/div>\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vfaq-smb-widget');\n        if (!widget) return;\n\n        const items = widget.querySelectorAll('.vfaq-item');\n\n        function closeItem(item) {\n            const btn = item.querySelector('.vfaq-question');\n            const answer = item.querySelector('.vfaq-answer');\n            btn.classList.remove('vfaq-active');\n            btn.setAttribute('aria-expanded', 'false');\n            answer.classList.remove('vfaq-open');\n        }\n\n        function openItem(item) {\n            const btn = item.querySelector('.vfaq-question');\n            const answer = item.querySelector('.vfaq-answer');\n            btn.classList.add('vfaq-active');\n            btn.setAttribute('aria-expanded', 'true');\n            answer.classList.add('vfaq-open');\n        }\n\n        widget.querySelectorAll('.vfaq-question').forEach(btn => {\n            btn.addEventListener('click', function() {\n                const item = this.closest('.vfaq-item');\n                const isActive = this.classList.contains('vfaq-active');\n\n                \/\/ Cerrar todos\n                items.forEach(other => {\n                    if (other !== item) closeItem(other);\n                });\n\n                \/\/ Toggle actual\n                if (isActive) closeItem(item);\n                else openItem(item);\n            });\n\n            \/\/ Accesibilidad de teclado\n            btn.addEventListener('keydown', function(e) {\n                if (e.key === 'Enter' || e.key === ' ') {\n                    e.preventDefault();\n                    this.click();\n                }\n            });\n        });\n\n        \/\/ Abrir la primera pregunta por defecto\n        if (items.length > 0) {\n            openItem(items[0]);\n        }\n    })();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Simplifica tus finanzas como emprendedor o peque\u00f1o negocio. Deja que Valora se encargue del trabajo tedioso. Ordena tus deudas, reconstruye tu historial y accede a mejores cr\u00e9ditos con un asesor financiero con IA, plantillas de presupuesto y planes de pago automatizados \u2014 todo en un solo lugar. Agendar diagn\u00f3stico Hablar con un asesor Diagn\u00f3stico desde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-no-title","meta":{"footnotes":""},"class_list":["post-225","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=225"}],"version-history":[{"count":7,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/225\/revisions"}],"predecessor-version":[{"id":499,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/225\/revisions\/499"}],"wp:attachment":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}