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real.","title":null,"icon":{"id":4756,"name":"newspaper-fill.svg","alternativeText":"","caption":"","width":40,"height":40,"formats":null,"hash":"newspaper_fill_7a266bba3d","ext":".svg","mime":"image/svg+xml","size":1.11,"url":"https://covalto-production-website.s3.amazonaws.com/newspaper_fill_7a266bba3d.svg","previewUrl":null,"provider":"aws-s3","provider_metadata":null,"created_at":"2024-12-05T21:03:21.916Z","updated_at":"2024-12-05T21:03:21.947Z","localFile___NODE":"95e0e185-d7e0-5bdb-bb07-d1f6e9ad9028"}},{"id":51,"content":"Tasa a la 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\n¹ Es el primer monto que recibirás una vez que aprobamos tu línea de factoraje.
\n² Es el aforo que te devolvemos después de recibir el pago de tu factura a la fecha de vencimiento.
\n³ Es el monto total que recibirás (dividido en dos tiempos: 1. Al inicio de la operación y 2. Cuando se recibe el pago al vencimiento).
\n⁴ Interés del factoraje."},"formulaValues":{"id":2,"discountRate":0.23,"processingFee":0,"AdvanceRate":0.85,"numberOfDays":360},"strapi_component":"lego-v2.factoring-simulator"},{"id":10,"title":"Preguntas Frecuentes","bgColor":"bgPrimary","faqitems":[{"id":42,"question":"¿Si facturo en dólares también puedo financiar esas facturas?","answer":"Sí, también tenemos la modalidad de líneas en dólares.","created_at":"2022-09-07T00:30:20.280Z","updated_at":"2022-09-07T00:30:20.284Z","tag":null},{"id":41,"question":"¿Cuál es la diferencia entre el factoraje financiero y el arrendamiento?","answer":"El factoraje es un financiamiento a corto plazo mediante el cual las empresas pueden obtener recursos líquidos de forma inmediata a partir de la venta de sus cuentas por cobrar, tales como facturas con vencimiento en una fecha futura.\n\nPor otro lado, el arrendamiento es un financiamiento a mediano o largo plazo en donde se pone a disposición un bien a cambio de una serie de cuotas durante un tiempo determinado. Dicho de otra manera, se transfiere temporalmente el uso y goce del bien a cambio de una serie de pagos.\n","created_at":"2022-09-07T00:30:04.953Z","updated_at":"2025-02-20T18:28:53.612Z","tag":null},{"id":40,"question":"¿Cuál es la importancia del factoraje financiero?","answer":"El factoraje financiero permite que tengas liquidez durante los procesos de administración, generación de nuevos clientes, fabricación, servicio o entrega. Tú sigues creciendo y posicionando tu negocio a la vez que cumples con tus compromisos económicos sin descapitalizarte. ","created_at":"2022-09-07T00:29:48.141Z","updated_at":"2025-02-20T18:28:13.624Z","tag":null},{"id":38,"question":"¿Cuál es la diferencia entre un factoraje con o sin recurso?","answer":"Con recurso: La empresa queda como obligado solidario junto con el deudor (comprador) a responder por el pago puntual de los derechos de crédito transmitidos.\nSin recurso: La empresa no queda obligada a responder por el pago de los derechos de crédito transmitidos.\n","created_at":"2022-09-07T00:29:20.470Z","updated_at":"2025-02-20T18:27:09.308Z","tag":null},{"id":43,"question":"¿Tengo que enviar físicamente las facturas?","answer":"No, el sistema automáticamente te mostrará las facturas de los deudores autorizados a anticipar.","created_at":"2022-09-07T00:30:33.093Z","updated_at":"2022-09-07T00:30:33.096Z","tag":null},{"id":37,"question":"¿Qué es el factoraje financiero?","answer":"El factoraje financiero es un proceso por medio del cual una empresa comercializa sus cuentas por cobrar, es decir, vende sus facturas a una institución financiera. Gracias a esto obtiene efectivo de forma inmediata, lo cual le permite seguir creciendo e impulsar su operación.","created_at":"2022-09-07T00:29:03.250Z","updated_at":"2025-02-20T18:26:40.325Z","tag":null},{"id":39,"question":"¿Cómo sé si mi empresa requiere factoraje?","answer":"Tu empresa es candidata a solicitar factoraje principalmente si vendes productos o servicios a plazos/crédito.","created_at":"2022-09-07T00:29:34.443Z","updated_at":"2025-02-20T18:27:40.453Z","tag":null}],"strapi_component":"lego-v2.faq"},{"id":14,"title":"¿Quieres saber más?","subtitle":"","bgColor":"bgSecondaryLightGrey","titleTextColor":"text","titleAs":"h4","subtitleTextColor":"textGrey","type":"tag","tag":{"id":34,"name":"Factoraje ","slug":"factoraje","created_at":"2023-04-03T15:41:25.766Z","updated_at":"2023-04-03T15:41:25.774Z"},"strapi_component":"lego-v2.featured-articles"},{"id":16,"type":"selectorID","btnSuccessText":null,"btnSuccessBehavior":null,"btnSuccessLink":null,"btnCancelText":null,"btnCancelBehavior":"closeModal","btnCancelLink":null,"secsToShow":null,"secsToRemove":null,"selectorID":"#showModal","content":"###### Requisitos\n\n\n\n###### Documentación Inicial\n\n\n","strapi_component":"lego-v2.simple-pop-up"}],"footerLegalText":"Banco Covalto S.A., Institución de Banca Múltiple, Derechos Reservados.","footerLegalTextAditional":"Crédito Revolvente para Capital de Trabajo. \n\n*En el caso de persona moral, de los representantes legales de la empresa y obligados solidarios. \n\nTasa revisable de acuerdo al perfil de riesgo del cliente.\n","hideFooter":false,"hideFooterLogos":false,"hideLogoTagline":false,"floatButton":null},"strapiHome":{"heroTransitionTimer":10000},"strapiSeoDefault":{"twitterCard":"summary","twitterCreator":"@bancocovalto","twitterSite":"@bancocovalto"}},"pageContext":{"slug":"factoraje"}}, "staticQueryHashes": ["1106744397","1616494319","1898396412","1999499260","2060212771","2174426970","2257430638","2791837908","3205070891","3292854333","3329328656","3775929850","3950564737","487090099"]}