{"id":7645,"date":"2022-05-04T15:41:13","date_gmt":"2022-05-04T13:41:13","guid":{"rendered":"https:\/\/www.emagister.com.co\/blog\/?p=7645"},"modified":"2022-05-04T15:42:04","modified_gmt":"2022-05-04T13:42:04","slug":"en-que-consiste-el-factoraje-financiero-y-por-que-es-importante-saber-de-el","status":"publish","type":"post","link":"https:\/\/www.emagister.com.co\/blog\/en-que-consiste-el-factoraje-financiero-y-por-que-es-importante-saber-de-el\/","title":{"rendered":"\u00bfEn qu\u00e9 consiste el factoraje financiero y por qu\u00e9 es importante saber de \u00e9l?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El <\/span><strong>factoraje financiero<\/strong><span style=\"font-weight: 400;\"> es una forma de financiamiento orientado a peque\u00f1as y medianas empresas. Consiste en desarrollar un contrato con el que una empresa cede la facturaci\u00f3n hecha por sus ventas a un ente financiero, el cual gestionar\u00e1 el cobro. Debido a ello, dicha entidad bancaria brinda el importe de las facturas cedidas, a cambio de una comisi\u00f3n.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00bfTe gustar\u00eda aprender m\u00e1s sobre este m\u00e9todo financiero? Sigue leyendo o consulta el <\/span><strong>M\u00e1ster en Gesti\u00f3n Financiera<\/strong><span style=\"font-weight: 400;\"> de <strong>Select Business School<\/strong>, y estudia de manera profesional.<\/span><\/p>\n<h2><strong>Ventajas del factoraje financiero<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Uno de los principales beneficios del tambi\u00e9n conocido <em>factoring<\/em> es la liquidez inmediata. Si la empresa necesita un pr\u00e9stamo de forma puntual, podr\u00e1 hacerlo sin problema. Como <\/span><b>el factoring se trata de un intercambio de derechos de cobro<\/b><span style=\"font-weight: 400;\"> entre la empresa y el banco, no es com\u00fan que se generen deudas. Adem\u00e1s, la gesti\u00f3n del cobro la hace otra entidad, la empresa no tiene que destinar recursos extra a esta operaci\u00f3n.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-7159 size-full\" src=\"https:\/\/www.emagister.com.co\/blog\/wp-content\/uploads\/2021\/11\/m-4.png\" alt=\"\" width=\"220\" height=\"147\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por otra parte, disfrutamos de la ayuda que nos da la <\/span><b>entidad financiera<\/b><span style=\"font-weight: 400;\"> para la clasificaci\u00f3n del cr\u00e9dito y la externalizaci\u00f3n de las labores administrativas de cobro. Tambi\u00e9n, si contamos con el asesoramiento financiero y comercial, el banco realiza un an\u00e1lisis completo de la compa\u00f1\u00eda y de sus clientes. Esto permite potenciar el nivel de gesti\u00f3n y gu\u00eda a la empresa en la b\u00fasqueda de nuevos clientes.\u00a0<\/span><\/p>\n<h2><strong>Aspectos a tener en cuenta del<em> factoring<\/em><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Es importante mencionar que el <\/span><b>factoraje financiero<\/b><span style=\"font-weight: 400;\"> tiene un alto coste financiero, ya que la comisi\u00f3n que suelen cobrar las entidades financieras est\u00e1 entre el 2% o 3% del total. Tambi\u00e9n, cobran un cierto inter\u00e9s en funci\u00f3n del plazo de vencimiento y una comisi\u00f3n por el coste del servicio contratado.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por otra parte, el <strong><em>factoring<\/em> <\/strong>acepta solo a los clientes m\u00e1s formales y que no representen una carga administrativa. Adem\u00e1s, nos podemos encontrar con la denegaci\u00f3n, por parte de la entidad bancaria, a anticipar cr\u00e9ditos espec\u00edficos a ciertos clientes, con el consecuente bloqueo contractual por parte del cliente.\u00a0<\/span><\/p>\n<h2><strong>Tipos de factoraje<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Adem\u00e1s de todos los servicios mencionados con anterioridad, el <em>factoring<\/em> tambi\u00e9n da asesoramiento comercial. Seg\u00fan el tipo de acuerdo entre la empresa y la entidad bancaria existen diversos <\/span><b>tipos de<em> factoring<\/em> financiero<\/b><span style=\"font-weight: 400;\">. Estos son:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><em>Factoring<\/em> sin recurso<\/strong>. La entidad financiera asume el riesgo de impago del deudor. Es la modalidad m\u00e1s usada.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Factoraje con recurso.<\/strong> La compa\u00f1\u00eda se encarga del riesgo de insolvencia del deudor.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Con notificaci\u00f3n<\/strong>. El banco notifica al deudor la cesi\u00f3n de la factura. La empresa tiene la obligaci\u00f3n de pagar lo acordado con el banco.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Factoraje financiero sin notificaci\u00f3n<\/strong>. El deudor no tiene persistencia de la cesi\u00f3n de la factura y va a cargo de la empresa.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>De agencia<\/strong>. Sin importar la modalidad, la compa\u00f1\u00eda puede ser nombrada como agente de cobro por parte de la entidad financiera. En seguida, la empresa hace el cobro de los cr\u00e9ditos cedidos y tiene la obligaci\u00f3n de remitir al banco los fondos recibidos por parte de los deudores.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Globalidad.<\/strong> El contrato entre la entidad financiera y la empresa puede necesitar que esta \u00faltima tenga que ceder al banco la globalidad de la facturaci\u00f3n sobre uno o diversos deudores contenidos en la operaci\u00f3n.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">En resumen, el <\/span><b>factoraje beneficia a las empresas<\/b><span style=\"font-weight: 400;\">, les permite adquirir dinero de manera anticipada. Por ejemplo, comprar materia prima para seguir produciendo y dar una pr\u00f3rroga m\u00e1s extensa para pagar las facturas sin contraer una deuda.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El factoraje financiero es una forma de financiamiento orientado a peque\u00f1as y medianas empresas. Consiste en desarrollar un contrato con el que una empresa cede la facturaci\u00f3n hecha por sus ventas a un ente financiero, el cual gestionar\u00e1 el cobro. Debido a ello, dicha entidad bancaria brinda el importe de las facturas cedidas, a cambio [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":7646,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[250,2],"tags":[13,275,1184,1185,1235,8],"class_list":["post-7645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-emagister","category-noticias-centros-educativos","tag-noticias-de-centros-de-formacion","tag-noticiaselespectador","tag-select-business-school","tag-1185","tag-es_99997192958079401036578245626548","tag-noticias-de-centros-educativos"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfEn qu\u00e9 consiste el factoraje financiero y por qu\u00e9 es importante saber de \u00e9l? - Blog Emagister Colombia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emagister.com.co\/blog\/en-que-consiste-el-factoraje-financiero-y-por-que-es-importante-saber-de-el\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfEn qu\u00e9 consiste el factoraje financiero y por qu\u00e9 es importante saber de \u00e9l? - Blog Emagister Colombia\" \/>\n<meta property=\"og:description\" content=\"El factoraje financiero es una forma de financiamiento orientado a peque\u00f1as y medianas empresas. 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