When to Resort to the Discount of Financial Promissory Notes?
Do you have in your possession a financial promissory note and you can't wait for the designated date to collect it?
Don't worry, this product offers you the advantage of receiving the agreed money in advance of the stipulated maturity.
Bet on a promissory note discount online it gives you the opportunity to achieve liquidity and, therefore, economic stability.
This is essential for SMEs and freelancers.
What is the promissory note discount?
It is essentially a financial figure in which the holder of a bank promissory note assigns it to an entity before its maturity. This pays you the money almost immediately, which provides you with the necessary liquidity.
The process stands out for being easy and fast. If you decide to carry it out, you will have to Present the promissory notes that you have and the invoices that give rise to these commercial credits.
The promissory note discount is reflected in a discount contract where all the information about the agreed operation is specified, providing all security guarantees to the assignor.
As you can see it is very simple.
And not only that: you can opt for the online promissory note discount to further expedite the procedure.
Options to discount a financial promissory note
If you are thinking of using this service, you should know that there are two options to carry it out, related to the security of the operation:
- At recourse promissory note discount All parties involved are jointly and severally liable.
- El discount of a financial promissory note without recourse It implies that the possible non-payment of the debt must be assumed by the company that has remained with it. Therefore, you do not have to worry about anything.
Advantages of the promissory note discount for your business
The promissory note discount service online offers numerous advantages to the self-employed and those responsible for SMEs.
Whether it is a bank note As a company, requesting the discount is a good solution for all those businesses that are going through a time of lack of liquidity.
The main advantage of resorting to the discount of a company promissory note is that it provides you with the money you need very quickly.
In just one day, you will be able to remedy your liquidity problems, which is very positive when it comes to resolving treasury gaps.
If you have a small business, surely you have experienced more than once the effects of the economic instability that we live.
Depending on clients to have the necessary liquidity with which to ensure the development of your small or medium-sized company or your self-employment is a challenge that is not always easy to face.
La collection security It is another positive element to take into account if you have a promissory note. If you choose the non-recourse promissory note discount, you no longer have to worry about a potential default. The company you work with assumes the risk and will pay you the money, without the option of claiming the discounted amount.
The discount of promissory notes online it becomes one of the fastest and most reliable financing methods that exist when it comes to standing up to the high volatility of the market.
The promissory note discount is a very flexible financial service. It allows obtaining liquidity without signing lines of credit, providing guarantees or personal guarantees. Likewise, it does not require contracting other financial packages, a very common practice in bank financing.
Finally, it should be noted that this service is one of the oldest in the financial market. Therefore, it is fully consolidated. It even offers in many cases better economic conditions than credits banking.
What is the best entity to currently discount promissory notes
Today, we can find many financing companies that offer this discount system.
Choose the best entity To guarantee that you will have the money quickly in your hands and with all the security guarantees, several factors must be taken into account:
- The speed of response.
- Immediate payment.
- Carrying out a prior valuation study without cost or commitment.
- A formalization process that does not require the signing of policies.
- Adjusted rates, without additional commissions.
- Transparent and secure discount procedure.
- That the amounts discounted from the promissory note do not compute in the CIRBE.
- Knowledge of the market in which you work, which reduces the risk of non-payment.
WorkCapital meets these requirements when dealing with the financial promissory note from which you want to obtain liquidity. Also know what are the legal requirements of the promissory note from our post.
Resorting to this resource and to a trusted entity can be essential for the viability of your SME or business as a freelancer.
Now that you know what a financial promissory note is and what its advantages are, do you dare to recover the liquidity of your company with a promissory note discount?
Know all the advantages you can get with the financing of companies from Workcapital
