Ce înseamnă factoring?
Factoring este un pachet complet de servicii financiare prin care putem ajuta companiile care au oportunitati si doresc sa se dezvolte, sau care au probleme cu fluxul de numerar din cauza termenelor de incasare îndelungate.
A factoring facility has a number of advantages over conventional forms of business financing. Here is a list of the most important benefits that companies gain through factoring:
# 1 Immediately improves cash flow.
The most important advantage offered by factoring financing is the improvement of cash flow. Factoring provides you with the working capital that you use to cover your business’s current expenses, such as salary payments, supplier payments, tax and duty payments, and so on.
# 2 Vă permite să extindeți termenele de plată ale facturilor la mai mult de 30 de zile.
Factoring vă permite să oferiți clienților termene de plată mai mari de 30 de zile, fără să vă faceți griji cu privire la problemele create de lipsa fluxului de numerar de pana la incasare. Prin Factoring puteți finanța întotdeauna facturile dacă aveți nevoie de cash, oricand intre data emiterii si scadenta.
#3 Easier to obtain than traditional financing products.
Financing through factoring is easier for SMEs to obtain than traditional credit lines based on material guarantees or on a high level of firm capitalization, and it has a very simple execution process. The most important requirement is to have creditworthy clients in your portfolio. SMEs whose greatest asset is a list of creditworthy clients can qualify for factoring very easily.
#4 Can be implemented quickly
Procesul de aprobare initiale este foarte rapid, informatiile si documentatia se transmit online, urmand ca dupa aprobare, facturile sa fie finanțate in maxim o zi lucrătoare.
# 5 Perfect pentru IMM.
Most banking or non-banking financial institutions (NFIs) that offer factoring solutions are willing to work with owners and/or managers of small and medium-sized businesses (SMEs) and provide financing at the desired and necessary cash level.
There are many businesses that use Factoring as a fundamental stage in development, to improve and maintain their financial indicators, and can later qualify for other types of more complex financing.
# 6 Minimizează riscul de portofoliu si creantele neincasate
Through the complex information analyzed, a banking or non-banking financial institution (NFI) that offers solutions is Factoring poate acționa si ca un birou de credit și poate oferi analize si opinii cu privire la calitatea creditului clienților dumneavoastră actuali si potentiali. Acest serviciu poate fi esențial dacă urmărești noi oportunități de afaceri, dar nu știi calitatea și solvabilitatea clientului tău.
With the right Factoring the right one, in a partnership with a financial institution that is close to your business, will allow you to allocate your time mainly on bringing in new customers, innovating the products and services in your portfolio and therefore on developing your business.
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