Do my customers find out?

In many forms they are notified of the assignment of the invoice. It depends on the contract and how collection is agreed.

It combines interest on the amount advanced and management fees. It is worked out with your real terms and volumes.

All services

Confirming and factoring

Liquidity on invoices and orderly supplier payments to protect your cash flow.

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What is included

Invoice advances

Supplier payments

With or without recourse

Who it is for: For companies that sell on credit and want to be paid sooner, or that handle many supplier payments and want to organise them.

What is worth knowing

What factoring is

You assign your customer invoices to the lender, who advances part of their value and handles collection. You recover liquidity without waiting for the due date.

Products Agustín can arrange for you

Recourse factoring

Advance your invoices; if the customer doesn't pay, you are liable.

Non-recourse factoring

The bank takes the non-payment risk and handles collection.

Reverse factoring (confirming)

You pay at maturity and your suppliers can get paid earlier.

Confirming advance

If you are paid via confirming, get paid earlier without using your credit lines.

Commercial discounting

Advances on promissory notes, bills and receipts.

Credit insurance

Protects you against customer non-payment and handles recovery.

Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.

How we work

Listen

An unhurried conversation about your situation, goals and timing. Most things are decided here.

Analyse

I review what you already have, what it costs and what is missing, and compare it with the market.

Propose

I present the options with pros and cons, in writing and without unnecessary jargon.

Support

I support you through the process and review progress with you when your circumstances change.

What to bring to the meeting

Latest balance sheet and P&L

List of current debts

Cash forecast

Watch out for

The advance has a cost (interest and fees): compare it with the benefit of being paid sooner.

Check which invoices and customers the lender accepts, and the approved limits.

With recourse, the non-payment risk remains yours.

Frequently asked questions

Those that invoice customers on long payment terms or many customers, and need predictable cash flow.

General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.

Shall we look at your own case?

A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.