{"id":4757,"date":"2020-04-02T15:48:42","date_gmt":"2020-04-02T15:48:42","guid":{"rendered":"https:\/\/bcn.cv\/pt_PT\/?page_id=4757"},"modified":"2026-04-07T15:02:50","modified_gmt":"2026-04-07T16:02:50","slug":"bcn-factoring","status":"publish","type":"page","link":"https:\/\/bcn.cv\/pt_PT\/empresas\/credito-para-empresas\/bcn-factoring\/","title":{"rendered":"BCN Factoring"},"content":{"rendered":"

[vc_row css=”.vc_custom_1585215108093{margin-top: 50px !important;margin-bottom: 100px !important;padding-bottom: 0px !important;}”][vc_column width=”2\/3″ el_class=”align-content left”][vc_column_text]Simplificamos a gest\u00e3o da sua tesouraria.<\/strong>[\/vc_column_text][vc_column_text][\/vc_column_text][vc_column_text]<\/p>\n

Finalidade<\/strong><\/h4>\n

O BCN Factoring<\/strong> \u00e9 uma linha de cr\u00e9dito destinada a financiamento para apoio \u00e0 tesouraria, que se traduz na antecipa\u00e7\u00e3o de cr\u00e9ditos de curto prazo (faturas e\/ou notas de d\u00e9bito) de uma empresa (Aderente), derivados da venda firme dos seus produtos ou servi\u00e7os aos seus clientes (devedores), podendo incluir a op\u00e7\u00e3o de cobertura de risco de cr\u00e9dito por incumprimento dos devedores.<\/p>\n

Utiliza\u00e7\u00e3o<\/strong><\/h4>\n

No caso de ced\u00eancias casu\u00edsticas de cr\u00e9ditos (opera\u00e7\u00e3o pontual), haver\u00e1 uma utiliza\u00e7\u00e3o \u00fanica imediatamente ap\u00f3s a ced\u00eancia dos cr\u00e9ditos, ficando o contrato resolvido com a boa cobran\u00e7a das facturas.<\/span><\/p>\n

No caso de ced\u00eancias regulares de cr\u00e9ditos, ser\u00e1 celebrado um contrato com a dura\u00e7\u00e3o de 1 ano, renov\u00e1vel por iguais per\u00edodos por acordo entre as partes, prevendo-se utiliza\u00e7\u00f5es continuadas, em fun\u00e7\u00e3o da carteira de cr\u00e9ditos que estiver a todo o momento sobre gest\u00e3o.<\/p>\n

Segmento-Alvo<\/strong><\/h4>\n

Empresas titulares de cr\u00e9ditos de curto prazo (faturas e\/ou notas de d\u00e9bito), emitidos sobre os seus clientes (devedores) pertencentes ao sector p\u00fablico administrativo, com necessidades de financiar os elevados prazos de pagamento praticados pelos seus clientes (devedores).<\/span>[\/vc_column_text][vc_column_text][\/vc_column_text][vc_column_text css=”.vc_custom_1583838668814{margin-top: 35px !important;margin-bottom: 0px !important;padding-bottom: 0px !important;}”]<\/p>\n

CONDI\u00c7\u00d5ES<\/strong><\/span><\/h3>\n

[\/vc_column_text][vc_row_inner equal_height=”yes” css=”.vc_custom_1586189751563{margin-bottom: 25px !important;padding-right: 50px !important;}”][vc_column_inner el_class=”info-box” width=”1\/3″ css=”.vc_custom_1583843155721{padding-right: 0px !important;padding-left: 0px !important;}”][vc_column_text css=”.vc_custom_1583841940373{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 16px !important;padding-bottom: 16px !important;background-color: #eff3f8 !important;}”]<\/p>\n

Prazo<\/strong><\/span><\/h5>\n

[\/vc_column_text][vc_column_text css=”.vc_custom_1590084793297{margin-top: 15px !important;margin-right: 15px !important;margin-bottom: 40px !important;margin-left: 15px !important;border-right-width: 10px !important;border-left-width: 10px !important;padding-top: 0px !important;border-radius: 5px !important;}”] <\/p>\n

Per\u00edodo m\u00ednimo: 6 meses;
\nPer\u00edodo m\u00e1ximo: 5 anos;
\nPer\u00edodo m\u00e1ximo com garantia real: 10 anos.[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=”info-box” width=”1\/3″ css=”.vc_custom_1583842409370{padding-right: 0px !important;padding-left: 0px !important;}”][vc_column_text css=”.vc_custom_1583842601928{padding-top: 16px !important;padding-bottom: 16px !important;background-color: #eff3f8 !important;}”]<\/p>\n

Taxa<\/strong><\/span><\/h5>\n

[\/vc_column_text][vc_column_text css=”.vc_custom_1590084630447{margin-top: 15px !important;margin-bottom: 40px !important;margin-left: 0px !important;padding-top: 0px !important;padding-bottom: 15px !important;background-color: #ffffff !important;border-radius: 5px !important;}”] <\/p>\n

10%<\/p>\n

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Montantes<\/strong><\/span><\/h5>\n

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Volume de ced\u00eancias m\u00ednimo de 6.000.000$00;
\nValor m\u00ednimo por devedor 2.000.000$00;
\nValor m\u00e9dio factura maior ou igual a 500.000$00.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1587465430646{margin-top: 50px !important;}”][\/vc_row_inner][vc_column_inner][\/vc_column_inner][vc_column_text css=”.vc_custom_1597758242483{margin-bottom: 0px !important;padding-bottom: 0px !important;}” el_class=”bullet-red”]<\/p>\n

Vantagens<\/b><\/h4>\n