Del Contrato de Confirming a la Póliza de Confirming
La póliza de confirming, también conocida como contrato de confirming, es un tipo de contrato con intervención notarial que se tramita en nuestra notaría online y física.
Como Notarios en Pólizas en Barcelona queremos explicarte toda la información relacionada con los contratos de confirming: qué son, cómo se producen, sus requisitos y más.
¿Qué es el Confirming?
El contrato de confirming se produce cuando un empresario externaliza su gestión de pagos y encarga a una entidad el pago de las deudas que tiene con sus proveedores (sean de bienes o servicios), normalmente a su vencimiento, o, si se acuerda, mediante pagos anticipados.
Es común que la entidad a la que se encarga el pago de deudas sean entidades financieras o de crédito. Éstas asumen el pago a proveedores mientras que financia al empresario los pagos, con las comisiones e intereses correspondientes.
La póliza notarial de confirming es un documento que se redacta ante Notario donde se establece que la entidad financiera actuará como gestor de pagos a proveedores.
¿Cómo funciona el confirming?
El funcionamiento del contrato de confirming se inicia con las órdenes de pago que envía una empresa a su entidad crediticia mediante una factura emitida por un proveedor. La empresa ordena el pago a la entidad financiera (confirmando la factura), que informa al proveedor de la fecha de vencimiento de la factura y sobre la posibilidad de pago por adelantado.
La extinción del contrato de confirming se produce cuando se cumplen las condiciones pactadas por las partes intervinientes.
Pago por confirming y Tipos de confirming
Según la fórmula de pago encontramos diferentes contratos de confirming:
- Pago financiado: se paga la factura al proveedor en el periodo de vencimiento, financiándolo con la entidad bancaria.
- Pago inmediato financiado: el empresario y proveedor pactan condiciones como descuentos por pago inmediato de la factura y se llega a un acuerdo de pago anterior al vencimiento de la factura. El empresario es quien envía al banco la factura que se abona al momento por la entidad financiera.
- El confirming estándar: el banco gestiona los pagos a los proveedores y ofrece anticipar las facturas pendientes de pago.
¿Qué es el Confirming Sin Recurso?
El contrato confirming sin recurso transcurre en el momento en el que el proveedor no asume riesgos en caso de impago por parte del deudor ya que la entidad financiera gestiona el pago de las facturas. En este caso es la entidad financiera quien asume el riesgo.
El contrato de confirming sin recurso ofrece una serie de ventajas tanto para proveedor como para la empresa deudora. Al proveedor le permite obtener liquidez y no preocuparse por el impago, y la empresa mejora la relación con los proveedores al ofrecerles una opción segura de cobro.
¿Qué es el Confirming con recurso y sin recurso?
Sin embargo, activando una póliza de confirming con recurso, si la empresa deudora no paga sus deudas, la entidad financiera puede reclamar al proveedor y, por tanto, éste asume parte del riesgo de impago.
El contrato de confirming con recurso sucede cuando el proveedor acepta el pago anticipado y la entidad financiera se lo proporciona. En el caso de que la empresa deudora no pagara, el banco puede reclamar el dinero al proveedor.
¿Cuáles son las ventajas y desventajas del contrato de confirming?
El contrato de confirming ofrece varias ventajas tanto para los acreedores como para los proveedores. En primer lugar, permite a las empresas deudoras mejorar sus relaciones comerciales al garantizar el pago de facturas, lo que genera confianza y puede resultar en condiciones más favorables en futuras transacciones. Además, facilita la financiación, ya que los proveedores pueden recibir pagos anticipados, mejorando su flujo de caja. Este sistema también reduce la carga administrativa al externalizar la gestión de pagos, permitiendo a las empresas concentrarse en su actividad principal. Por último, ofrece flexibilidad en los pagos y acceso a información financiera detallada, lo que ayuda a las empresas a llevar un control más riguroso de sus transacciones.
Sin embargo, el confirming también presenta desventajas. Uno de los principales inconvenientes son los costos adicionales asociados, como las comisiones que cobra la entidad financiera, lo que puede afectar la rentabilidad. Además, la dependencia de terceros para la gestión de pagos puede ser un riesgo si la entidad no cumple con las expectativas. También existe la posibilidad de que algunos proveedores aumenten los precios para compensar las comisiones, lo que podría afectar la competitividad de la empresa deudora. Asimismo, si el confirming se percibe como una herramienta para retrasar pagos, puede deteriorar las relaciones comerciales. Por último, no todos los proveedores están dispuestos a aceptar este sistema, lo que limita las opciones de la empresa al seleccionar socios comerciales.
El Papel del Notario en la Póliza de Confirming
Es frecuente que el contrato de confirming sea firmado ante Notario. Este documento, formalizado en forma de póliza, recibe el nombre de póliza de confirming. El Notario desempeña un papel fundamental e interviene en ellas otorgando validez legal, dando fe en la firma y el consentimiento de la operación.
Asimismo, facilita la ejecución en el caso de incumplimiento de lo pactado por vía judicial, disminuyendo el riesgo de litigios.
La figura del Notario desarrolla un papel fundamental en este proceso ya que le orientará y asistirá, solventando sus dudas y asesorándole sobre las mejores opciones para usted. Puede escoger el Notario que desee para firmar su póliza.
Contáctenos para su consulta esté donde sea mediante nuestro servicio de Notarios Online, ya que esta póliza puede ser firmada también de forma digital y a distancia, si lo desea, en cuyo caso se procederá a la firma de la póliza de confirming ante Notario.
Documentos para firmar una Póliza de Confirming ante Notario
- Documentos de identificación de los firmantes de la póliza
- Documentos que acreditan la representación, en caso de haber sociedades intervinientes
- Póliza con las condiciones del confirming.
¿Cuánto cuesta una póliza de confirming notarial?
Los honorarios para un contrato de confirming en notaría están regulados en el arancel notarial. El coste de la póliza depende entre otros aspectos del importe de la deuda, del número de folios de la póliza y de la existencia posible del afianzamiento.
El precio de los actos notariales está regulado por el Gobierno y se ajusta a la normativa reguladora del ARANCEL NOTARIAL (RD 1426/1989, de 17 de noviembre, por el que se regula el Arancel de los Notarios).
No obstante, el precio exacto de un documento notarial no puede calcularse hasta que se conoce su contenido concreto, es decir, hasta que esté firmado, pues son muchas las circunstancias que lo pueden hacer variar. El número de copias que se pide de un documento, el importe de la operación, los folios que contiene además de posibles cambios o añadidos pueden variar ligeramente el precio final.
Si desea recibir un presupuesto detallado, le invitamos a contactarnos directamente por la vía que le resulte más conveniente. Lo puede hacer a través del formulario de contacto de la página principal de esta web, mediante la sección contactar que encontrará en el pie de página de la web, usando el acceso directo a WhatsApp en la parte inferior derecha de esta página, enviando un correo electrónico a bcn@jlanotarios.com o llamándonos al teléfono 93 159 17 62.
De forma orientativa, le podemos adelantar que, de acuerdo a la normativa reguladora vigente, el precio habitual de la formalización ante Notario de una POLIZA DE CONFIRMING por un importe de 50.000€ con un vencimiento inferior a 6 meses es de unos 250 €, incluyendo IVA.
Este precio indicativo está calculado para un documento de contenido habitual.
JLA Notarios, Póliza de confirming en Barcelona
En JLA Notarios nos enorgullece poder ofrecer soluciones seguras y eficientes sobre operaciones financieras. Póngase en contacto para obtener más información sobre la póliza de confirming y recibir una asesoría personalizada con un trámite ágil y seguro donde le ofrezcamos soluciones a sus necesidades específicas.
Nos encantará recibirle para ayudarle a formalizar su contrato de confirming notarial. Si necesita un presupuesto o firmar una póliza en Barcelona puede reservar cita en el mail polizas@jlanotarios.com.
En JLA Notarios somos especialistas en pólizas notariales y expertos en su regulación. Reciba un asesoramiento personalizado y obtenga una gestión eficiente ya sea en nuestra Notaría en Barcelona o mediante los servicios de nuestra Notaría digital.
By your side in the moments that matter
Wills and inheritance
Making a will, making a declaration of heirs or awarding inheritance are very important moments in people’s lives.
At JLA Notarios we offer inheritance law services, both to arrange your estate and to divide up inheritance, guaranteeing the best advice for your particular needs while studying the tax implications of each case. We never forget the human factor. We even offer a notary service at home if necessary.
Contracts and property law
Over the course of our lives, we carry out important actions, such as buying a home, declaring a new-build, lifetime gifting to our children or ending partnerships, among many others.
At JLA Notarios we are experts in property and contract law and buying and selling property. We guide our clients, analysing each particular issue and always considering the tax burden of each transaction.
In addition, some of our notarial services can be performed online, so we can assist you from anywhere in Spain. Contact us to declare a new-build or a commonhold ownership structure online.
Mortgage
Taking out a mortgage is one of the biggest moments for anyone. Just think of the fees and interest you may have to pay for much of your life. So it is essential to have a trusted notary to help you understand what you are signing, explaining the tricky legal terms and their future consequences in simple words, to provide transparency and protect our clients.
At JLA Notarios we are aware of the importance of giving complete and understandable information to people about to sign a mortgage, novation or subrogation. We also advise and guide you on your future mortgage cancellation.
Loan agreements and credit facilities
Individuals and companies often need money to fulfil their dreams or projects. This can be obtained by taking out a loan or credit facility with your bank. When you sign, it is essential to understand the details properly to avoid future surprises.
JLA Notarios can be your trusted notary office, giving you accurate advice on loan contracts, providing a very agile and specialised service for processing loan contracts.
Bear in mind that from 9 November 2023, you will be able to sign your loan contracts from anywhere in Spain electronically by videoconference with JLA Notarios, saving you time and money. Do not hesitate to contact us to find out more about the notary office’s services in order to sign a loan contract online or sign a credit facility online.
Companies
Without entrepreneurship there is no future, so it is of vital importance to support our businesspeople and entrepreneurs.
At JLA Notaries we are familiar with companies’ life cycle, which enables us to provide legal assistance for companies in their different stages, whether incorporation, modifications of their articles of association, changes of director, share sales and purchases, capital increases and reductions, dissolution and closure, and everything related to commercial matters.
Powers of attorney
There are moments in life when a person needs to delegate. The law provides a tool for this: powers of attorney. Though a power of attorney, one person allows another person to act on their behalf.
At JLA Notarios we make sure that you understand the significance and risks of delegating or revoking powers of attorney, from a special power of attorney or power of attorney for lawsuits, to general powers of attorney or preventive powers of attorney for cases of incapacity.
We provide an agile service to sign powers of attorney. You can take your copy away immediately, saving you unnecessary trips, and from 9 November 2023 our clients will be able to sign all powers of attorney that are not general or preventive by videoconference through our digital notary office.
Family affairs
A prosperous society is based on the family and its protection. Family Law provides you with the tools to protect your family and its members, so its foundations are solid and its purposes can be achieved.
At JLA Notarios we provide legal advice on marriage or civil partnerships; property aspects of the family through marriage contracts or civil partnership contracts; the moments when the family relationship is ended, in cases such as divorce or separation; and protection of vulnerable people, such as minors or people with modified capacity, through deeds of appointment of guardians or executors or creation of protected assets. We do all of this in a way that makes everyone involved feel equally supported and secure.
Certifications and authentications
It is common knowledge that notaries attest. That important and simple action can guarantee things of vital importance, such as ensuring that the signature on a document is authentic or certifying that a copy of a document matches the original.
At JLA Notarios we will help you to certify a document or notarise a signature in accordance with the law and tailored to your specific needs.
In addition, these notarial procedures can be carried out conveniently through electronic means from 9 November 2023.
Notarial deeds
How many times have you wanted to record an event, a statement or the status of an object, or to notify someone of an issue. The law provides us with notarial deeds to deal with these matters.
At JLA Notarios we adapt to you, stating in the deed what you need and issuing your notifications and requests.
Oath of citizenship
Behind every oath of citizenship lies a story of overcoming, sacrifice and waiting.
At JLA Notarios we know what this moment means and we provide an empathetic, agile and fast service. We don’t just advise you about the actual swearing-in, but also inform you of the future requirements that new Spanish citizens need to know.
We are your go-to notary’s office to swear the oath of citizenship before a notary public in Barcelona.
Apostille of the hague convention
Globalisation enables the free movement of people and documents of all kinds. How can you guarantee that a document has been officially issued? With an apostille of the Hague Convention.
JLA Notarios can obtain an apostille for all documents executed before us so they are valid and recognised abroad. We do this transparently and save you all the bureaucratic procedures involved.
Tax and registry procedures
Tax bureaucracy can cause a lot of headaches.
So JLA Notarios offers its clients the possibility of assessing and paying the many different taxes by the executing deeds and carrying out other procedures before the notary. We can also file them with the Land or Companies Registry so you do not have to concern yourself with it and can spend your time on the things that matter. We support you from start to finish.
Wills and inheritance
Making a will, making a declaration of heirs or awarding inheritance are very important moments in people’s lives.
At JLA Notarios we offer inheritance law services, both to arrange your estate and to divide up inheritance, guaranteeing the best advice for your particular needs while studying the tax implications of each case. We never forget the human factor. We even offer a notary service at home if necessary.
Contracts and property law
Over the course of our lives, we carry out important actions, such as buying a home, declaring a new-build, lifetime gifting to our children or ending partnerships, among many others.
At JLA Notarios we are experts in property and contract law and buying and selling property. We guide our clients, analysing each particular issue and always considering the tax burden of each transaction.
In addition, some of our notarial services can be performed online, so we can assist you from anywhere in Spain. Contact us to declare a new-build or a commonhold ownership structure online.
Mortgage
Taking out a mortgage is one of the biggest moments for anyone. Just think of the fees and interest you may have to pay for much of your life. So it is essential to have a trusted notary to help you understand what you are signing, explaining the tricky legal terms and their future consequences in simple words, to provide transparency and protect our clients.
At JLA Notarios we are aware of the importance of giving complete and understandable information to people about to sign a mortgage, novation or subrogation. We also advise and guide you on your future mortgage cancellation.
Loan agreements and credit facilities
Individuals and companies often need money to fulfil their dreams or projects. This can be obtained by taking out a loan or credit facility with your bank. When you sign, it is essential to understand the details properly to avoid future surprises.
JLA Notarios can be your trusted notary office, giving you accurate advice on loan contracts, providing a very agile and specialised service for processing loan contracts.
Bear in mind that from 9 November 2023, you will be able to sign your loan contracts from anywhere in Spain electronically by videoconference with JLA Notarios, saving you time and money. Do not hesitate to contact us to find out more about the notary office’s services in order to sign a loan contract online or sign a credit facility online.
Companies
Without entrepreneurship there is no future, so it is of vital importance to support our businesspeople and entrepreneurs.
At JLA Notaries we are familiar with companies’ life cycle, which enables us to provide legal assistance for companies in their different stages, whether incorporation, modifications of their articles of association, changes of director, share sales and purchases, capital increases and reductions, dissolution and closure, and everything related to commercial matters.
Powers of attorney
There are moments in life when a person needs to delegate. The law provides a tool for this: powers of attorney. Though a power of attorney, one person allows another person to act on their behalf.
At JLA Notarios we make sure that you understand the significance and risks of delegating or revoking powers of attorney, from a special power of attorney or power of attorney for lawsuits, to general powers of attorney or preventive powers of attorney for cases of incapacity.
We provide an agile service to sign powers of attorney. You can take your copy away immediately, saving you unnecessary trips, and from 9 November 2023 our clients will be able to sign all powers of attorney that are not general or preventive by videoconference through our digital notary office.
Family affairs
A prosperous society is based on the family and its protection. Family Law provides you with the tools to protect your family and its members, so its foundations are solid and its purposes can be achieved.
At JLA Notarios we provide legal advice on marriage or civil partnerships; property aspects of the family through marriage contracts or civil partnership contracts; the moments when the family relationship is ended, in cases such as divorce or separation; and protection of vulnerable people, such as minors or people with modified capacity, through deeds of appointment of guardians or executors or creation of protected assets. We do all of this in a way that makes everyone involved feel equally supported and secure.
Certifications and authentications
It is common knowledge that notaries attest. That important and simple action can guarantee things of vital importance, such as ensuring that the signature on a document is authentic or certifying that a copy of a document matches the original.
At JLA Notarios we will help you to certify a document or notarise a signature in accordance with the law and tailored to your specific needs.
In addition, these notarial procedures can be carried out conveniently through electronic means from 9 November 2023.
Notarial deeds
How many times have you wanted to record an event, a statement or the status of an object, or to notify someone of an issue. The law provides us with notarial deeds to deal with these matters.
At JLA Notarios we adapt to you, stating in the deed what you need and issuing your notifications and requests.
Oath of citizenship
Behind every oath of citizenship lies a story of overcoming, sacrifice and waiting.
At JLA Notarios we know what this moment means and we provide an empathetic, agile and fast service. We don’t just advise you about the actual swearing-in, but also inform you of the future requirements that new Spanish citizens need to know.
We are your go-to notary’s office to swear the oath of citizenship before a notary public in Barcelona.
Apostille of the hague convention
Globalisation enables the free movement of people and documents of all kinds. How can you guarantee that a document has been officially issued? With an apostille of the Hague Convention.
JLA Notarios can obtain an apostille for all documents executed before us so they are valid and recognised abroad. We do this transparently and save you all the bureaucratic procedures involved.
Tax and registry procedures
Tax bureaucracy can cause a lot of headaches.
So JLA Notarios offers its clients the possibility of assessing and paying the many different taxes by the executing deeds and carrying out other procedures before the notary. We can also file them with the Land or Companies Registry so you do not have to concern yourself with it and can spend your time on the things that matter. We support you from start to finish.
