Understand what receivables anticipation is and how to do it

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Anticipating receivables is an alternative to obtaining resources at a minimum cost and reduced risk. Although it is a credit operation, the company can offer more guarantees than if it were to take out a loan in the conventional way.

Either way, it will always be a way of raising money from third parties. This means china phone number list for each transaction, you will need to consider the costs involved, calculate them and make the appropriate provision in your budget.

Therefore, to use it well, strict control of finances is necessary for it to actually be a solution. Continue reading and learn how to put this type of business credit to work for your business.

What is receivables anticipation?
Does your company sell on credit? If so, then you should know that the proceeds from these sales are not credited to your cash register immediately. The world turns and so does your capital, since maintaining an active business has costs.

They, in turn, can present themselves in unexpected ways. In this case, a bill that arrives in amounts above the average or a new business opportunity requiring investment can represent a deficit in the accounts.

Loans, as we know, generate a considerable cost, if we only take interest rates as a reference. Of course, there are companies that charge attractive rates, but, in general, this is an alternative that tends to be expensive.

However, what if those installment sales highlighted at the beginning of this topic were, in a way, used as collateral to obtain resources when the budget is not enough? The answer to this question is the operation known as receivables anticipation. In this, the amounts that your company has to receive are taken by the financial institution as margin, thus guaranteeing a kind of advance.

It should be noted that the anticipation of receivables is a type of operation regulated by the Central Bank, under Resolution No. 4,734/19. It sets out rules, procedures and conditions for carrying out operations with receivables that are part of the Brazilian Payment System (SPB).