Financiamiento deudores is a service where companies can obtain money for up to a third of their expected customer payments in exchange for a fee. There are two types: invoice discounting and debt factoring. The aim is to solve cash flow problems, but there may be a recourse clause and higher costs.
Financiamiento deudores is a service through which the companies that expect the payment of their customers can obtain dinero for up to a third in exchange for a small rate. In most cases, the business will tend to give away part of the money if the customer finally doesn’t pay. There are different financial forms of the deudor, and the one that a company can depend on if the company wants the customer to know that he is using the service.
The objective of all forms of finance of deudores is to solve the problem of the flujo de caja. Here is where a company that sells products with ganancias faces problems because it has to pay the supplies quickly, but enfrenta demoras antes de recibir los pagos. This is a particular problem for small businesses that have less market power and, therefore, only able to negotiate unfavorable terms with suppliers and customers.
There are two main types of finance of deudores. El primer tipo, el descuento de facturas, es effecbilmente a form of short-term lending that conlleva a cargo por intereses. The company borrows money early on in the intention of using the money it eventually receives from the customer to pay for the loan. The customer will not tend to know this process. In most cases, the financial company will tend to have the legal right to embargo the payments of the clients of the borrowing company if they do not pay the loan.
The second form of finance of the deudor is factoring de la deuda. This effectively implies the venta de la deuda. The financial company pays the pending money to the business immediately, less a fee. Luego collects the customer’s money. This takes the view that the customer may be more receptive to the demands of a financial company for quick pay, but takes the view that the customers are aware that the business needs to factor the demand, which can give the impression of problems de flujo de efectivo.
The mayoría de los tipos de financiación del deudor imply a recurso clause. This means that if the customer has not paid in a stable fee, within 90 days of the issue of the invoice, the company must refund the corresponding amount to the financial company. El negocio luego retoma el control de cobrar el pago del cliente. In some cases, a financial company will not use the collection system and, therefore, will take part of the credit recovery. This generally means higher costs for the business, and can mean that the financial company requires you to perform credit checks on customers.
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