prospectos

Prospectos is a term used in Spanish and Portuguese with multiple meanings. In everyday business language, it usually designates potential customers or clients who may become buyers. In the context of securities markets, un prospecto (or prospectus) is a formal document that describes an investment offering and the issuer's business, financial condition, and risks.

In sales and marketing, a prospect is one stage in the funnel, after a lead. Qualification criteria include identifying a need, having the authority to make decisions, a budget, and an expected timeline. Companies track prospects in customer relationship management (CRM) systems and may use lead scoring to prioritize outreach and set next steps.

In finance, the prospectus discloses information to help investors decide whether to buy the security. Typical contents include the business description, use of proceeds, risk factors, management and governance, historical financial statements, and auditor opinions. The document is part of regulatory filings and must meet standards set by the relevant securities regulator; disclosure aims to promote transparency and reduce information asymmetry.

Terminology varies by region: some languages distinguish prospecto for the document and prospect for an early-stage customer; others use prospecto more generally for any potential investor or market offering. Understanding context is essential to interpret the term correctly.