{"id":970,"date":"2026-02-28T23:05:02","date_gmt":"2026-02-28T23:05:02","guid":{"rendered":"https:\/\/tubanc.com\/?page_id=970"},"modified":"2026-03-10T19:37:09","modified_gmt":"2026-03-10T19:37:09","slug":"tu-vehiculo-tu-negocio","status":"publish","type":"page","link":"https:\/\/tubanc.com\/en\/tu-vehiculo-tu-negocio\/","title":{"rendered":"Tu Veh\u00edculo Tu Negocio"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_874b19ff height_small width_full\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-html\"><section class=\"business-planner-section\">\n    <div class=\"planner-container\">\n        <div class=\"planner-header\" style=\"text-align: center; margin-bottom: 40px;\">\n            <span class=\"badge-tech\" style=\"color: #0444FF !important; font-weight: 800; font-size: 11px; text-transform: uppercase; letter-spacing: 2px; display: block; margin-bottom: 10px;\">Herramienta de Productividad<\/span>\n            <h1 class=\"main-title\" style=\"color: #ffffff !important; font-size: 38px; font-weight: 850; margin: 10px 0;\">Tu Veh\u00edculo, Tu Negocio<\/h1>\n            <p class=\"sub-title\" style=\"color: rgba(255,255,255,0.6) !important; font-size: 16px; max-width: 700px; margin: 0 auto; line-height: 1.5;\">Proyecta tu utilidad neta mensual y alcanza el nivel Verde de rentabilidad.<\/p>\n        <\/div>\n\n        <div class=\"planner-island\">\n            <div class=\"planner-grid\">\n                <div class=\"p-group full-width\" style=\"margin-bottom: 15px; border-bottom: 1px solid rgba(255,255,255,0.1); padding-bottom: 20px;\">\n                     <label style=\"color: #00d4ff; text-transform: uppercase; font-size: 10px; letter-spacing: 1px;\">Paso 1: Identif\u00edcate para generar el reporte<\/label>\n                     <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-top: 10px;\">\n                        <input type=\"text\" id=\"user-name\" placeholder=\"Tu Nombre Completo\" style=\"background: rgba(0,0,0,0.4); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; height: 50px; color: #fff; padding: 0 15px; outline: none;\">\n                        <input type=\"tel\" id=\"user-phone\" placeholder=\"Tu WhatsApp (Ej: 3001234567)\" style=\"background: rgba(0,0,0,0.4); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; height: 50px; color: #fff; padding: 0 15px; outline: none;\">\n                     <\/div>\n                <\/div>\n\n                <div class=\"p-group\">\n                    <label>\u00bfQu\u00e9 vas a manejar?<\/label>\n                    <select id=\"vehicle-type\" class=\"p-select\" onchange=\"updateVehicleLogic()\">\n                        <option value=\"moto\">Motorbike<\/option>\n                        <option value=\"carro\">Carro (Solo El\u00e9ctrico)<\/option>\n                    <\/select>\n                <\/div>\n\n                <div class=\"p-group\">\n                    <label id=\"tech-label\">Tecnolog\u00eda<\/label>\n                    <select id=\"engine-tech\" class=\"p-select\" onchange=\"updateVehicleLogic()\">\n                        <option value=\"combustion\">Gasolina<\/option>\n                        <option value=\"electrico\">El\u00e9ctrico (EV)<\/option>\n                    <\/select>\n                <\/div>\n\n                <div class=\"p-group\" id=\"cc-group\">\n                    <label>Cilindrada (CC)<\/label>\n                    <select id=\"moto-cc\" class=\"p-select\">\n                        <option value=\"125\">125 cc<\/option>\n                        <option value=\"150\">150 cc<\/option>\n                        <option value=\"200\">200 cc o m\u00e1s <\/option>\n                    <\/select>\n                <\/div>\n\n                <div class=\"p-group\">\n                    <div class=\"label-wrapper\">\n                        <label>Cuota Mensual Est. ($)<\/label>\n                        <a href=\"https:\/\/tubanc.com\/en\/simulador-de-credito\/\" target=\"_blank\" class=\"helper-link\" style=\"font-size: 11px;\">\u00bfCalcular cuota? \u2197<\/a>\n                    <\/div>\n                    <div class=\"input-with-symbol\">\n                        <span class=\"currency-symbol\">$<\/span>\n                        <input type=\"text\" id=\"monthly-payment-display\" placeholder=\"Ej: 450.000\" value=\"\">\n                        <input type=\"hidden\" id=\"monthly-payment\" value=\"\">\n                    <\/div>\n                <\/div>\n\n                <div class=\"p-group\">\n                    <label>\u00bfD\u00edas de trabajo \/ semana?<\/label>\n                    <select id=\"work-days\" class=\"p-select\">\n                        <option value=\"5\">5 d\u00edas<\/option>\n                        <option value=\"6\">6 d\u00edas<\/option>\n                        <option value=\"7\">7 d\u00edas<\/option>\n                    <\/select>\n                <\/div>\n\n                <div class=\"p-group full-width\" style=\"text-align: center; margin-top: 15px;\">\n                    <button id=\"calculate-business\" class=\"btn-shimmer-status\">Generar Mi Plan de Negocio<\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <div id=\"business-results\" style=\"display:none; margin-top: 40px;\">\n            <div id=\"ui-results-wrapper\" style=\"max-width: 900px; margin: auto;\">\n                \n                <div style=\"background: linear-gradient(135deg, #010f1e 0%, #0444FF 300%); padding: 30px; border-radius: 24px 24px 0 0; border: 1px solid rgba(255,255,255,0.1); text-align: center;\">\n                    <h2 style=\"color: #ffffff; margin: 0; font-size: 28px; font-weight: 850;\">Tu Plan de Negocio<\/h2>\n                    <p style=\"margin:8px 0 0; font-size: 14px; color: #00d4ff; opacity: 0.9;\">\n                        <span id=\"summary-vehicle\">--<\/span> \u2022 <span id=\"summary-days\">--<\/span> de trabajo semanal\n                    <\/p>\n                <\/div>\n\n                <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.1);\">\n                    <div style=\"background: #010f1e; padding: 25px; text-align: center;\">\n                        <span style=\"color: rgba(255,255,255,0.5); font-size: 10px; font-weight: 800; text-transform: uppercase;\">Meta de Equilibrio Diaria<\/span>\n                        <h2 id=\"daily-goal\" style=\"color: #ffffff; margin: 5px 0; font-size: 28px;\">$ 0<\/h2>\n                    <\/div>\n                    <div style=\"background: #010f1e; padding: 25px; text-align: center;\">\n                        <span style=\"color: rgba(255,255,255,0.5); font-size: 10px; font-weight: 800; text-transform: uppercase;\">Gasto Energ\u00eda Diario<\/span>\n                        <h2 id=\"energy-cost-val\" style=\"color: #00d4ff; margin: 5px 0; font-size: 28px;\">$ 0<\/h2>\n                    <\/div>\n                <\/div>\n\n                <div style=\"background: #010f1e; padding: 35px; border-radius: 0 0 24px 24px; border: 1px solid rgba(255,255,255,0.1); border-top: none;\">\n                    \n                    <div style=\"background: rgba(255,255,255,0.03); border-radius: 18px; padding: 20px; margin-bottom: 30px; border: 1px solid rgba(255,255,255,0.05);\">\n                        <h3 style=\"font-size: 12px; margin: 0 0 15px 0; color: #888; text-transform: uppercase; letter-spacing: 1px;\">Desglose de Operaci\u00f3n Mensual<\/h3>\n                        <div style=\"display: flex; justify-content: space-between; font-size: 14px; margin-bottom: 10px; color: #ccc;\">\n                            <span>Cuota de Veh\u00edculo (Fijo)<\/span>\n                            <span id=\"res-gasto-cuota\" style=\"color: #ff5f5f;\">-$ 0<\/span>\n                        <\/div>\n                        <div style=\"display: flex; justify-content: space-between; font-size: 14px; margin-bottom: 10px; color: #ccc;\">\n                            <span>Energ\u00eda \/ Combustible (Variable)<\/span>\n                            <span id=\"res-gasto-energia\" style=\"color: #ff5f5f;\">-$ 0<\/span>\n                        <\/div>\n                        <div style=\"display: flex; justify-content: space-between; font-size: 15px; margin-top: 15px; padding-top: 15px; border-top: 1px dashed rgba(255,255,255,0.1); font-weight: 700; color: #fff;\">\n                            <span>Total Costos Operativos<\/span>\n                            <span id=\"res-total-costos\" style=\"color: #ff5f5f;\">-$ 0<\/span>\n                        <\/div>\n                    <\/div>\n\n                    <div style=\"display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px;\" class=\"semaphore-grid\">\n                        <div style=\"background: rgba(255, 77, 77, 0.03); border: 1px solid rgba(255, 77, 77, 0.2); padding: 20px; border-radius: 18px; text-align: center;\">\n                            <span style=\"color: #ff4d4d; font-size: 9px; font-weight: 800;\">ZONA ROJA<\/span>\n                            <h3 id=\"level-red-label\" style=\"color: #fff; margin: 5px 0;\">--<\/h3>\n                            <div style=\"color: #ff4d4d; font-size: 10px; font-weight: 700;\">$0 \/ mes<\/div>\n                        <\/div>\n                        <div style=\"background: rgba(243, 160, 7, 0.03); border: 1px solid #f3a007; padding: 20px; border-radius: 18px; text-align: center; transform: scale(1.05);\">\n                            <span style=\"color: #f3a007; font-size: 9px; font-weight: 800;\">ZONA AMARILLA<\/span>\n                            <h3 id=\"level-yellow-label\" style=\"color: #fff; margin: 5px 0;\">--<\/h3>\n                            <div style=\"color: #f3a007; font-size: 10px; font-weight: 800;\"><span id=\"val-yellow-net\">$0<\/span> \/ mes<\/div>\n                        <\/div>\n                        <div style=\"background: rgba(0, 255, 128, 0.03); border: 1px solid rgba(0, 255, 128, 0.2); padding: 20px; border-radius: 18px; text-align: center;\">\n                            <span style=\"color: #00ff80; font-size: 9px; font-weight: 800;\">ZONA VERDE<\/span>\n                            <h3 id=\"level-green-label\" style=\"color: #fff; margin: 5px 0;\">--<\/h3>\n                            <div style=\"color: #00ff80; font-size: 10px; font-weight: 700;\"><span id=\"val-green-net\">$0<\/span> \/ mes<\/div>\n                        <\/div>\n                    <\/div>\n\n                    <p id=\"gold-tip\" style=\"margin: 30px 0 20px; text-align: center; font-size: 13px; color: rgba(255,255,255,0.7); font-style: italic;\"><\/p>\n\n                    <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-top: 20px;\">\n                        <a href=\"https:\/\/tubanc.com\/en\/inscripciones\/\" target=\"_blank\" style=\"text-decoration:none;\">\n                            <button class=\"btn-shimmer-status\" style=\"width:100%; height: 55px; border-radius: 12px; font-size: 13px;\">Start Application<\/button>\n                        <\/a>\n                        <button id=\"send-whatsapp\" class=\"btn-whatsapp-ghost\">Enviar a WhatsApp<\/button>\n                    <\/div>\n\n                    <div style=\"margin-top: 40px; padding: 20px; background: rgba(0,0,0,0.2); border-radius: 12px; border: 1px solid rgba(255,255,255,0.05);\">\n                        <p style=\"font-size: 10px; color: #555; line-height: 1.4; text-align: justify; margin: 0;\">\n                            <strong>Aviso Legal y Exenci\u00f3n de Responsabilidad:<\/strong> Los valores presentados son proyecciones estimadas basadas en promedios del mercado y el ingreso neto por servicio de $6.000 (valor promedio libre tras comisiones y mantenimiento b\u00e1sico). Estas cifras tienen car\u00e1cter puramente informativo y educativo. <strong>TuBanc no garantiza la obtenci\u00f3n de estas utilidades<\/strong>, ya que los ingresos finales dependen de factores externos, el desempe\u00f1o individual del conductor y las condiciones del mercado. El uso de esta herramienta no constituye una oferta comercial ni una garant\u00eda de resultados financieros.\n                        <\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<style>\n:root { --tb-blue: #0444FF; --tb-cyan: #00d4ff; --tb-dark: #010f1e; --tb-border: rgba(255, 255, 255, 0.15); --wa-green: #25D366; }\n.business-planner-section { padding: 80px 20px; background: var(--tb-dark); color: #fff; font-family: 'Inter', sans-serif; position: relative; z-index: 1; }\n.planner-container { max-width: 1000px; margin: 0 auto; margin-top: -80px; }\n.planner-island { background: rgba(255, 255, 255, 0.04); backdrop-filter: blur(25px); border: 1px solid var(--tb-border); border-radius: 24px; padding: 35px; margin-bottom: 30px; }\n.planner-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; text-align: left; }\n.p-group { display: flex; flex-direction: column; gap: 8px; }\n.p-group label { font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.8); }\n.p-select, .p-group input { background: rgba(0,0,0,0.4); border: 1px solid var(--tb-border); border-radius: 12px; height: 50px; color: #fff; padding: 0 15px; outline: none; }\n.input-with-symbol { position: relative; display: flex; align-items: center; }\n.currency-symbol { position: absolute; left: 15px; color: rgba(255,255,255,0.5); font-weight: 700; }\n#monthly-payment-display { padding-left: 35px !important; }\n.full-width { grid-column: span 2; }\n\n.btn-shimmer-status { background: var(--tb-blue); color: #fff; border: none; height: 55px; padding: 0 40px; border-radius: 14px; font-weight: 700; cursor: pointer; position: relative; overflow: hidden; text-transform: uppercase; }\n.btn-shimmer-status::after { content: \"\"; position: absolute; top: -50%; left: -60%; width: 20%; height: 200%; background: rgba(255, 255, 255, 0.2); transform: rotate(30deg); animation: shimmer 3s infinite; }\n@keyframes shimmer { 0% { left: -60%; } 100% { left: 150%; } }\n\n.btn-whatsapp-ghost { background: transparent; color: var(--wa-green); border: 2px solid var(--wa-green); height: 55px; padding: 0 20px; border-radius: 12px; font-weight: 800; cursor: pointer; text-transform: uppercase; font-size: 13px; transition: 0.3s; width: 100%; }\n.btn-whatsapp-ghost:hover { background: rgba(37, 211, 102, 0.1); transform: translateY(-2px); }\n\n.helper-link { font-size: 10.5px; color: var(--tb-cyan); text-decoration: none; font-weight: 700; }\n@media (max-width: 768px) { .planner-grid, .semaphore-grid { grid-template-columns: 1fr !important; } .semaphore-grid > div { transform: scale(1) !important; margin-bottom: 10px; } }\n<\/style>\n\n<script>\nconst inputDisplay = document.getElementById('monthly-payment-display');\nconst inputHidden = document.getElementById('monthly-payment');\n\ninputDisplay.addEventListener('input', function(e) {\n    let value = e.target.value.replace(\/\\D\/g, \"\");\n    inputHidden.value = value;\n    e.target.value = value.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \".\");\n});\n\nfunction updateVehicleLogic() {\n    const type = document.getElementById('vehicle-type').value;\n    const techSelect = document.getElementById('engine-tech');\n    const ccGroup = document.getElementById('cc-group');\n    if (type === 'carro') {\n        ccGroup.style.display = 'none';\n        techSelect.innerHTML = '<option value=\"electrico\">El\u00e9ctrico<\/option>';\n    } else {\n        techSelect.innerHTML = '<option value=\"combustion\">Gasolina<\/option><option value=\"electrico\">El\u00e9ctrico<\/option>';\n        ccGroup.style.display = (techSelect.value === 'electrico') ? 'none' : 'flex';\n    }\n}\n\ndocument.getElementById('calculate-business').addEventListener('click', function() {\n    const userName = document.getElementById('user-name').value;\n    const userPhoneInput = document.getElementById('user-phone').value;\n    const cuota = parseFloat(inputHidden.value);\n\n    if(!userName || !userPhoneInput) return alert(\"Porfa, completa tu nombre y WhatsApp para generar tu plan.\");\n    if(!cuota) return alert(\"Ingresa el valor de la cuota mensual.\");\n\n    const diasSemana = parseInt(document.getElementById('work-days').value);\n    const tipo = document.getElementById('vehicle-type').value;\n    const tech = document.getElementById('engine-tech').value;\n    const cc = document.getElementById('moto-cc').value;\n\n    const diasMes = diasSemana * 4.3;\n    const cuotaDiaria = cuota \/ diasMes;\n    let costoTanqueoDiario = 0;\n    let ingresoNetoViaje = (tipo === 'carro') ? 12000 : 6000;\n\n    if (tipo === 'carro') {\n        costoTanqueoDiario = 27000;\n        document.getElementById('summary-vehicle').innerText = \"Carro El\u00e9ctrico\";\n    } else {\n        if (tech === 'electrico') {\n            costoTanqueoDiario = 4200;\n            document.getElementById('summary-vehicle').innerText = \"Moto El\u00e9ctrica\";\n        } else {\n            costoTanqueoDiario = (cc === '125') ? 14800 : 17200;\n            document.getElementById('summary-vehicle').innerText = `Moto ${cc}cc (Gasolina)`;\n        }\n    }\n\n    const metaDiariaEq = cuotaDiaria + costoTanqueoDiario;\n    const serviciosEq = Math.ceil(metaDiariaEq \/ ingresoNetoViaje);\n    const serviciosYellow = Math.ceil(serviciosEq * 1.5);\n    const serviciosGreen = Math.ceil(serviciosEq * 2.2);\n\n    const gastoEnergiaMensual = costoTanqueoDiario * diasMes;\n    const utilidadNetaYellow = (serviciosYellow * ingresoNetoViaje * diasMes) - (cuota + gastoEnergiaMensual);\n    const utilidadNetaGreen = (serviciosGreen * ingresoNetoViaje * diasMes) - (cuota + gastoEnergiaMensual);\n\n    const fmt = new Intl.NumberFormat('es-CO', { style: 'currency', currency: 'COP', maximumFractionDigits: 0 });\n\n    document.getElementById('business-results').style.display = 'block';\n    document.getElementById('daily-goal').innerText = fmt.format(metaDiariaEq);\n    document.getElementById('energy-cost-val').innerText = fmt.format(costoTanqueoDiario);\n    document.getElementById('summary-days').innerText = diasSemana + \" d\u00edas\";\n    \n    \/\/ TABLA DE GASTOS CALCULADOS\n    document.getElementById('res-gasto-cuota').innerText = \"-\" + fmt.format(cuota);\n    document.getElementById('res-gasto-energia').innerText = \"-\" + fmt.format(gastoEnergiaMensual);\n    document.getElementById('res-total-costos').innerText = \"-\" + fmt.format(cuota + gastoEnergiaMensual);\n\n    document.getElementById('level-red-label').innerText = serviciosEq + \" serv\/d\u00eda\";\n    document.getElementById('level-yellow-label').innerText = serviciosYellow + \" serv\/d\u00eda\";\n    document.getElementById('level-green-label').innerText = serviciosGreen + \" serv\/d\u00eda\";\n    document.getElementById('val-yellow-net').innerText = fmt.format(utilidadNetaYellow);\n    document.getElementById('val-green-net').innerText = fmt.format(utilidadNetaGreen);\n\n    document.getElementById('gold-tip').innerText = (tech === 'electrico' || tipo === 'carro') ? \n        \"Ahorras un 90% en energ\u00eda vs. gasolina. \u00a1Esa es tu ganancia neta!\" : \n        \"Cumple tu meta diaria temprano para que el resto sea utilidad pura.\";\n\n    document.getElementById('send-whatsapp').onclick = function() {\n        const numeroTuBanc = \"573117216884\"; \n        const msg = `\u00a1Hola TuBanc! Soy ${userName}, acabo de generar mi Plan de Negocio:%0A%0A` +\n                    `\ud83d\ude97 Veh\u00edculo: ${document.getElementById('summary-vehicle').innerText}%0A` +\n                    `\ud83d\udcb0 Meta diaria: ${fmt.format(metaDiariaEq)}%0A%0A` +\n                    `\ud83d\udea6 MI PROYECCI\u00d3N MENSUAL:%0A` +\n                    `\ud83d\udd34 ROJO: ${serviciosEq} serv\/d\u00eda (Equilibrio)%0A` +\n                    `\ud83d\udfe1 AMARILLO: ${serviciosYellow} serv\/d\u00eda (Ganas ${fmt.format(utilidadNetaYellow)}\/mes)%0A` +\n                    `\ud83d\udfe2 VERDE: ${serviciosGreen} serv\/d\u00eda (Ganas ${fmt.format(utilidadNetaGreen)}\/mes)%0A%0A` +\n                    `Contacto: ${userPhoneInput}. \u00a1Quiero avanzar con mi cr\u00e9dito!`;\n        window.open(`https:\/\/wa.me\/${numeroTuBanc}?text=${msg}`, '_blank');\n    };\n\n    setTimeout(() => { document.getElementById('business-results').scrollIntoView({ behavior: 'smooth' }); }, 150);\n});\n\nupdateVehicleLogic();\n<\/script><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-970","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Herramienta de Productividad Tu Veh\u00edculo, Tu Negocio Proyecta tu utilidad neta mensual y alcanza el nivel Verde de rentabilidad. Paso 1: Identif\u00edcate para generar el reporte \u00bfQu\u00e9 vas a manejar? Moto Carro (Solo El\u00e9ctrico) Tecnolog\u00eda Gasolina El\u00e9ctrico (EV) Cilindrada (CC) 125 cc 150 cc 200 cc o m\u00e1s Cuota Mensual Est. 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Moto Carro (Solo El\u00e9ctrico) Tecnolog\u00eda Gasolina El\u00e9ctrico (EV) Cilindrada (CC) 125 cc 150 cc 200 cc o m\u00e1s Cuota Mensual Est. 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