Del Contrato de Factoring a la Póliza de Factoring
El contrato de factoring, también conocido como contrato de factoraje financiero, es un tipo de contrato con intervención notarial que se tramita en nuestra notaría online y física. El documento resultante se denomina póliza de factoring.
Como Notarios en Pólizas en Barcelona especializados en este ámbito queremos explicarte toda la información relacionada con los contratos de factoring online y presencial ante Notario, qué son, cómo se producen, sus requisitos y más.
Debe saber que puede firmar su póliza presencialmente en JLA Notarios – Notaria Barcelona y que también puede firmar su póliza ante Notario de forma totalmente digital, a través del Portal Notarial del ciudadano. Esta posibilidad de firma digital de pólizas notariales se estableció en la ley 11/2023, por lo que si tiene cualquier pregunta no dude en consultarnos.
¿Qué es el Factoring? ¿Qué es un contrato de factoring?
El contrato de factoring es un documento complejo que sirve como método de financiación para empresas medianas y pequeñas (como pymes) ya que les proporciona liquidez y ahorro de tiempo. En él, una entidad crediticia gestiona las facturas pendientes de cobro de una empresa para encargarse de ellas a cambio de proporcionarles liquidez de forma inmediata.
Así, en un contrato de factoring intervienen tres partes: el deudor, que es quien debe pagar por los productos o servicios vendidos, la empresa cliente, quien recibe servicios de gestión de facturas pendientes, y la empresa factor que proporciona el pago.
Muchas veces la entidad crediticia también es conocida como "empresa factor", "factor" o "sociedad de factoring" mientras que la empresa que vende las cuentas se denomina como "empresa cliente".
¿Para qué sirve el contrato de factoring y para qué se usa con ejemplo?
Como avanzábamos, el contrato de factoring permite recibir liquidez inmediata a una empresa para facilitar su desarrollo empresarial. Si una empresa vende un producto a otra y debe esperarse 1 mes para recibir el pago, la empresa de factoring o entidad crediticia le pagaría el monto de dinero que hubiesen acordado (por ejemplo, un equivalente al 90% de la factura). Luego, dicha entidad financiera obtendría su ganancia al cobrar el monto total de la factura, es decir, el 100% a la empresa deudora que tenía pendiente el pago del producto. Sin embargo, existen diferentes tipos de contratos de factoring que veremos posteriormente.
¿Qué es el factorage?
También se debe tener en cuenta que la empresa factor obtiene una comisión de "factorage" sobre la factura que le aplica a la empresa que cede las facturas por la gestión, administración de estas y asunción del riesgo. Puede variar según el volumen de facturación, el tipo de factoring o el pago y riesgo, pero suele oscilar entre el 0,5 y 3% del valor de las facturas, aunque todo depende del mercado y de la situación de la empresa que solicita estos servicios.
¿Cuáles son las ventajas y desventajas del contrato de factoring?
Resumidamente, el factoring ofrece diferentes ventajas como una mejor liquidez para las empresas, reduce el riesgo de impago y los trabajos administrativos, mejora el balance financiero y permite acceder a la financiación sin endeudarse.
Entre las desventajas hallamos las comisiones y tasas que aplican las empresas de factoring o el riesgo a reducir la relación estrecha que mantenemos con los clientes de nuestra empresa.
Tipos de Contrato de Factoring y Factoraje Financiero
Existen diferentes modalidades del contrato de factoraje financiero que detallamos a continuación.
El Factoring con cesión en firme de créditos lo dividimos en factoraje con recurso y sin recurso:
¿Qué es el contrato de factoring con recurso?
Se produce la cesión de créditos adquirida por la empresa factor: incluye una cláusula "pro solvendo" en la cual, si el deudor impaga, la empresa factor recupera su crédito.
¿Qué es el contrato de factoring sin recursos?
En esta modalidad del factoring la empresa factor adquiere los créditos de la empresa y asume el riesgo de impago por parte del deudor. Las comisiones suelen ser mayor.
Factoring con cesión de créditos en comisión de cobro
La empresa que vende las cuentas queda a la espera de que la empresa factor gestione el cobro a la empresa deudora.
Factoring notificado y no notificado
Por otro lado, encontramos:
- Factoring notificado: en el factoring notificado se describe la gestión y comunicación que se lleva a cabo con la empresa deudora (quién compró bienes o servicios) para reportar sobre la cesión de las facturas.
- Factoring no notificado: en este caso no se produce la comunicación a la empresa deudora.
El Pago en factoring: ¿cómo es la facturación mediante factoraje financiero?
Existen varias formas de pago en factoring, por ejemplo, con pago al cobro, con pago al cobro con fecha límite, con pago al vencimiento o con pago a una fecha establecida.
En cuanto a la financiación, puede ser con o sin anticipo. Esto conlleva que la empresa que cede los créditos pueda recibir anticipos sobre créditos cedidos con interés por adelantar cantidades.
¿Qué es el factoring nacional e internacional?
Por otro lado, podemos distinguir entre el factoring nacional, cuando los 3 intervinientes en la operación residen en el mismo país, mientras que el factoring internacional se produce cuando cliente y deudor residen en países diferentes. Este último es conocido como factoring de exportación.
El Papel del Notario en la Póliza de Factoring
Llegado a un acuerdo, la póliza de factoring deberá ser firmada ante Notario. El Notario desempeña un papel fundamental e interviene en ellas otorgando validez legal, dando fe en la firma y el consentimiento de la operación para que el contenido sea íntegramente dispuesto según la ley.
Asimismo, facilita la ejecución en el caso de incumplimiento de lo pactado por vía judicial, ya que la póliza de factoring notarial evita la impugnación ante un tribunal y disminuye el riesgo de litigios.
La figura del Notario desarrolla un papel fundamental en este proceso ya que le orientará y asistirá en todo momento, solventando sus dudas y asesorándole sobre las mejores opciones para usted. Puede escoger el Notario que desee.
Contáctenos para su consulta esté donde esté mediante nuestro servicio de Notarios Online. Se ejecutará de forma efectiva la intervención y firma de la póliza de factoring ante Notario.
Documentos necesarios para firmar una póliza de factoring ante Notario
Será necesaria la presentación de:
- Documentos identificativos de las personas que firman el factoring
- Documentos que acreditan la existencia de las sociedades intervinientes y la representación. Se puede sustituir por la obtención desde la notaría de la información mercantil.
- Póliza con las condiciones del factoring.
¿Cuánto cuesta una póliza de factoring notarial?
Los honorarios para un contrato de factoring en notaría son fijos y están regulados en el arancel notarial. 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).
Los honorarios para un contrato de factoring 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.
Si desea recibir un presupuesto detallado, le invitamos a contactarnos directamente por la vía que le resulte más apropiada. Lo puede hacer mediante el 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 FACTORING por un importe de 50.000 € con un vencimiento inferior a 6 meses es de aproximadamente 250€, incluyendo IVA.
Este precio indicativo está calculado para un documento de contenido habitual que es otorgado por una sociedad.
JLA Notarios, Póliza de factoring 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 factoring 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 factoring notarial. Puede acercarse presencialmente o hacer una consulta a nuestros Notarios en Barcelona de forma digital a través de la notaría online. Si necesita un presupuesto también puede reservar cita en el mail polizas@jlanotarios.com. En JLA Notarios somos especialistas en pólizas notariales en Barcelona y estaremos encantados de atenderle.
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.
