{"id":126941,"date":"2022-09-25T07:02:40","date_gmt":"2022-09-25T05:02:40","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/que-es-factoring\/"},"modified":"2021-04-10T00:41:36","modified_gmt":"2021-04-09T22:41:36","slug":"que-es-factoring","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/","title":{"rendered":"What is factoring?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#Quien-esta-involucrado-en-un-procedimiento-de-factoraje\" >Who is involved in a factoring procedure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#%C2%BFQue-es-factoring-Definicion-y-funcionamiento\" >What is factoring? Definition and operation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#Que-beneficios-presenta-el-factoring-en-funcion-de-sus-servicios\" >What benefits does factoring present based on your services.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#%C2%BFCual-es-la-opcion-de-factorizacion-mas-utilizada\" >What is the most widely used factoring option?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#Hay-otras-dos-opciones\" >There are two other options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#El-costo-de-factoraje\" >The cost of factoring<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#Ventajas-y-desventajas-del-factoraje\" >Advantages and disadvantages of factoring<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#En-conclusion\" >In conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-es-factoring\/#Facturacion-y-factoraje-electronico\" >Electronic billing and factoring<\/a><\/li><\/ul><\/nav><\/div>\n<div>\n<p style=\"text-align: justify;\"><picture class=\"aligncenter size-responsive-content wp-image-12890\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-830x587.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-300x212.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-1024x724.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-400x283.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-424x300.jpg.webp 424w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.jpg.webp 1448w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20587'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='el-factoring-830x587-4724842' width='830' height='587' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842-300x212.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842-768x543.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842-16x12.jpg 16w' data-lazy-sizes='(max-width: 830px) 100vw, 830px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-responsive-content wp-image-12890\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-830x587.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-300x212.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-1024x724.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-400x283.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring-424x300.jpg.webp 424w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.jpg.webp 1448w\" sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='el-factoring-830x587-4724842' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842.jpg' width='830' height='587' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842-300x212.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842-768x543.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring-830x587-4724842-16x12.jpg 16w' sizes='(max-width: 830px) 100vw, 830px'>\n<\/picture>\n<\/noscript><\/p>\n<p style=\"text-align: justify;\">One of the most used concepts in <strong>the economic area is factoring<\/strong>. In this post we want to explain <em>What alternatives for factoring exist and which are the most suitable alternatives for your company, in an easy and simple way.<\/em><\/p>\n<p style=\"text-align: justify;\">This concept is not well cooked by small and medium-sized companies, despite everything, it is one of the concepts most exploited by the largest companies in the world and that are carried out daily in them. Undoubtedly an option for your company. This method is absolutely related to the nuclei of the collection and payment activity, streamlining and facilitating the flow of payment management for any business.<\/p>\n<p style=\"text-align: justify;\">If we focus on factoring in collection control tools, we could say that it is one of the simplest methods to make the most of collection, without the need for a commercial discount.<span id=\"more-12883\"><\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quien-esta-involucrado-en-un-procedimiento-de-factoraje\"><\/span><span id=\"Quien_interviene_en_un_proceso_de_factoring\">Who is involved in a factoring procedure<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>These processes involve:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>The client. It is who uses factoring so that a commercial credit can be generated.<\/li>\n<li>The debtor. You are obliged to pay a commercial credit<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"%C2%BFQue-es-factoring-Definicion-y-funcionamiento\"><\/span><span id=\"Que_es_el_factoring_La_definicion_y_el_funcionamiento\">What is factoring? Definition and operation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Through this method, a loan assignment operation can be carried out that a company can collect in favor of the financial institution.<br \/><em>These types of loans are handled in very common operations of the company such as the flow of product sales.<\/em> of a place or the services to third parties that the company can offer.<\/p>\n<p style=\"text-align: justify;\">When it consists of a large company that has installment sales, what is done is a credit in favor of said company that can be transferred to a third party at a certain time.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Que-beneficios-presenta-el-factoring-en-funcion-de-sus-servicios\"><\/span><span id=\"Que_beneficios_presenta_el_factoring_con_base_en_sus_servicios\">What benefits does factoring present based on your services.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Credit risk can be taken care of. For this case, this <strong>it&#039;s called factoring without resources<\/strong> and it is handled in the following way: in the event that the credit is assigned to a third person and it is the company that has to pay the person or company to which it is going to be awarded but incurs any payment, the financial entity that assumes the risk of the operation.<\/p>\n<p style=\"text-align: justify;\"><strong>Exchange risk can be taken care of through factoring<\/strong>, if the currency of the invoice is from another country. In several cases, mainly with currency changes in recent years, this is highly recommended.<\/p>\n<p style=\"text-align: justify;\"><strong>Factor with recourse.<\/strong> It happens when<strong> A collection administration is carried out but the risk of non-payment is not assumed<\/strong>. When this happens, if the person who owes does not make the payments on time, no one assumes the risk and the person who is going to receive it is left with an equity gap, until they receive the payment.<\/p>\n<p style=\"text-align: justify;\">All credit can be collected in cash.<\/p>\n<p style=\"text-align: justify;\">Debtors receive business advice<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"%C2%BFCual-es-la-opcion-de-factorizacion-mas-utilizada\"><\/span><span id=\"Cual_es_la_opcion_mas_usada_del_factoring\">What is the most widely used factoring option?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">The reason why more companies resort to these types of methods is to be able to have the option of a partial or even full advance on a loan as long as the other party is not a debtor and has a healthy credit history.<\/p>\n<p style=\"text-align: justify;\">All<strong> entities engaged in financial activities perform recourse factoring on a daily basis<\/strong>, since it is a type of factoring that frees the entity from taking over the risk in case of default.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hay-otras-dos-opciones\"><\/span><span id=\"Existen_otras_dos_opciones\">There are two other options<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-responsive-content wp-image-12891\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-450x300.jpg.webp 450w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring..jpg.webp 900w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20553'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='el-factoring-830x553-3007172' width='830' height='553' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172-16x12.jpg 16w' data-lazy-sizes='(max-width: 830px) 100vw, 830px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-responsive-content wp-image-12891\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring.-450x300.jpg.webp 450w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/el-factoring..jpg.webp 900w\" sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='el-factoring-830x553-3007172' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172.jpg' width='830' height='553' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/el-factoring.-830x553-3007172-16x12.jpg 16w' sizes='(max-width: 830px) 100vw, 830px'>\n<\/picture>\n<\/noscript><\/p>\n<ul style=\"text-align: justify;\">\n<li><strong>Notification factoring.<\/strong> Here the person who owes the loan transfer money is notified. At the time you report to the company, you only need to make the payment to the second party.<\/li>\n<li><strong>Factor without notification<\/strong>. The person who owes the money is not notified, so they will not know anything about the allocation and will pay the people who owed at the beginning. In this case, it is the person who receives the payment, who must redirect it to the entity to proceed with its collection.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"El-costo-de-factoraje\"><\/span><span id=\"El_coste_del_factoring\">The cost of factoring<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Now, we have already explained what can be done, but we have not told you about the costs that may have. <strong>The procedure that is done through factoring<\/strong>It has a high cost, because it is the companies that must apply the commission for each of the operations that are carried out and it is a way of covering the income from debts. So that you can get a little idea of the cost, it is usually 3 or 4% of the face amount of the credit that has been granted. At the same time, certain commissions are usually applied for each of the operations that refer to loan advances and are also charged for the associated services. Among the associated services is an insurance that covers exchange rates or commercial reports that allows us to know how the company with which we are going to carry out the transactions is doing.<\/p>\n<p style=\"text-align: justify;\">When it consists of small or medium-sized companies, <strong>Factoring is not usually a very good idea and entities reject it.<\/strong>. They only accept it when the small company requesting it is backed by a much larger company that can bear the costs. At the same time, the payments must be formalized in the long term.<\/p>\n<p style=\"text-align: justify;\">When it gets real <strong>Factoring with a small company, it is the financial institution that has direct rights to the credit and not the company.<\/strong>. It is the entity that pays the transferor company and also the one that takes care of all the collections that have to be made. When the customer&#039;s collection date arrives, it also takes care of making the debt effective.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ventajas-y-desventajas-del-factoraje\"><\/span><span id=\"Ventajas_e_inconvenientes_del_factoring\">Advantages and disadvantages of factoring<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Let&#039;s see it from where we look at it,<strong> factoring is one of the best alternatives when it consists of companies<\/strong>since it can free the company from payments in case it cannot cope on its own.<\/p>\n<p style=\"text-align: justify;\">In spite of everything, when we talk about the benefits that these companies give, we have to look a little beyond the credit advance option, since<strong> services associated with factoring<\/strong> they play a very important role.<\/p>\n<p style=\"text-align: justify;\">One of the most important services is the support provided by the financial institution with factoring since it classifies the customer&#039;s credit and performs external administrative tasks such as collections.<\/p>\n<p style=\"text-align: justify;\"><strong>Factoring also allows you to have all the data you need about the solvency of customers.<\/strong> Who are you going to work with or are you already selling them on credit? You must understand that it is much more important to compile everything that is sold than to market a large quantity.<\/p>\n<p style=\"text-align: justify;\">At <strong>factoring includes external collection tasks<\/strong>, even though the proper functioning depends on the volume of administration that is carried out and the fluidity of payment that the clients have.<\/p>\n<p style=\"text-align: justify;\">If what you want is to ensure low delinquency for the company, the key is factoring without resources, since you are giving all the risk of the operation to the entity.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"En-conclusion\"><\/span><span id=\"En_resumen\">In conclusion<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-responsive-content wp-image-12892\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-830x268.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-300x97.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-1024x330.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-400x129.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-500x161.jpg.webp 500w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring.jpg.webp 1581w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20830%20268'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='factoring-830x268-6722150' width='830' height='268' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150-300x97.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150-768x248.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150-16x5.jpg 16w' data-lazy-sizes='(max-width: 830px) 100vw, 830px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-responsive-content wp-image-12892\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-830x268.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-300x97.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-1024x330.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-400x129.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring-500x161.jpg.webp 500w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2015\/10\/factoring.jpg.webp 1581w\" sizes=\"(max-width: 830px) 100vw, 830px\"><\/source><br \/>\n<img alt='factoring-830x268-6722150' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150.jpg' width='830' height='268' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150.jpg 830w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150-300x97.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150-768x248.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/factoring-830x268-6722150-16x5.jpg 16w' sizes='(max-width: 830px) 100vw, 830px'>\n<\/picture>\n<\/noscript><\/p>\n<ul style=\"text-align: justify;\">\n<li>The benefits that the entity offers us are very good for companies, since it is capable of fully improving the financing capacity of a large company, giving it quick liquidity and financing the amount of its sales, avoiding delinquency.<\/li>\n<li>At the same time, it is capable of improving the debt ratio and clearing accounts receivable. Eliminate the risk of problems in the company due to the fact that the invoices remain uncollected: remember that the important thing is not the big sales but to collect everything that is sold.<\/li>\n<li>It facilitates the control of invoices and leaves the client portfolio always clean.<\/li>\n<li>Increase harvesting efficiency on a 90%.<\/li>\n<li>It enables you to plan everything related to the treasury and to know 100% your clients, as well as the solvency of their companies.<\/li>\n<li>Despite everything, despite being one of the best alternatives, it also has its bad side. One of the main ones is the cost problems it generates, since by assuming all the extra costs and external problems, they have to charge very high commissions.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">In the event that it is a very great risk for the entity, it can refuse to give credit to a client or even block credits to a certain company. You can also impose a customer for the allocation of credits; This last point occurs a lot in commercial contracts.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Facturacion-y-factoraje-electronico\"><\/span><span id=\"La_factura_electronica_y_el_factoring\">Electronic billing and factoring<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">If you have the option of issuing an electronic invoice, factoring helps you even more since:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Increase financing opportunity on a 100%<\/li>\n<li style=\"text-align: justify;\">You favor the opportunity for more companies to trust you<\/li>\n<li style=\"text-align: justify;\">You can submit documents electronically and this can increase the funding period.<\/li>\n<li style=\"text-align: justify;\">The formats that have electronic invoices already have all the data that is needed to make a reconciliation between the invoices and gives you the option of normalizing the interbank formats.<\/li>\n<\/ul>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>One of the most used concepts in the economic area is factoring. In this post we want to explain what factoring alternatives exist and what are the most appropriate alternatives\u2026<\/p>","protected":false},"author":1,"featured_media":126942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-126941","post","type-post","status-publish","format-standard","has-post-thumbnail","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfQu\u00e9 es factoring? - R Marketing Digital<\/title>\n<meta name=\"description\" content=\"Uno de los conceptos m\u00e1s utilizados en la el \u00e1rea econ\u00f3mica est\u00e1 factorizando. 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