{"id":16404,"date":"2023-07-03T10:04:20","date_gmt":"2023-07-03T08:04:20","guid":{"rendered":"https:\/\/bstartup.bancsabadell.com\/?p=16404"},"modified":"2023-07-20T15:16:00","modified_gmt":"2023-07-20T13:16:00","slug":"solucions-de-tresoreria-per-a-les-startups","status":"publish","type":"post","link":"https:\/\/bstartup.bancsabadell.com\/ca\/solucions-de-tresoreria-per-a-les-startups\/","title":{"rendered":"<strong>Solucions de tresoreria per a les startups<\/strong>"},"content":{"rendered":"<section id=\"block_39dc15c38ef8203e27f47cb538f84c6a\" class=\"wp-block-content-basic-post gutenberg-block\"   style=\"--pt-mobile:50px; --pb-mobile:50px; --pt-desktop:50px; --pb-desktop:50px; --section-bg:#ffffff;\">\n    <div class=\"content-basic-post relative block overflow-hidden clear-both w-full max-w-3xl mx-auto\">\n                            <div class=\"content-text\">\n                A mesura que la facturaci\u00f3 de les startups creix, poden sorgir <strong>necessitats de finan\u00e7ament<\/strong> de la tresoreria del dia a dia, fet que es coneix com a <strong>capital circulant<\/strong>. Cobrir el gap entre pagaments i cobraments en un entorn de creixement de facturaci\u00f3 es pot convertir en un must.\r\n\r\n&nbsp;\r\n\r\nCom a exemple, en models B2B, pot passar que els cobraments dels clients no siguin immediats; de vegades el client ens pagar\u00e0 en una data futura, fet que podria generar una tensi\u00f3 a la liquiditat de la nostra startup. En alguns casos, pagar els prove\u00efdors tamb\u00e9 es pot convertir en un repte quan el volum de les comandes va en augment i els nostres prove\u00efdors ens demanen el pagament al comptat, a m\u00e9s de la responsabilitat d\u2019atendre els pagaments habituals, com ara els salaris o els impostos.\r\n\r\n&nbsp;\r\n\r\nCon\u00e8ixer els instruments bancaris al teu abast \u00e9s important per utilitzar els que encaixin millor en la necessitat de la teva startup.\r\n\r\n&nbsp;\r\n\r\nUna de les solucions m\u00e9s conegudes \u00e9s la <strong>p\u00f2lissa de cr\u00e8dit<\/strong>, per\u00f2 hi ha altres productes molt m\u00e9s espec\u00edfics i de vegades m\u00e9s eficients, com aquests:\r\n<ul>\r\n \t<li><strong>Confirming<\/strong>. Servei bancari de gesti\u00f3 de pagaments a prove\u00efdors. \u00c9s una soluci\u00f3 que permet emetre els pagaments als prove\u00efdors de manera digital i tamb\u00e9 finan\u00e7ar-los. El confirming simplifica la gesti\u00f3 i els processos administratius dels pagaments a prove\u00efdors i millora el posicionament davant dels prove\u00efdors perqu\u00e8 els ofereix un finan\u00e7ament sense recurs.<\/li>\r\n \t<li><strong>Factoring<\/strong>. Eina financera que permet finan\u00e7ar el circulant de la teva empresa amb la bestreta dels cobraments dels teus clients nacionals i internacionals. \u00c9s una soluci\u00f3 global que permet no nom\u00e9s l\u2019administraci\u00f3 i la bestreta de les factures, sin\u00f3 tamb\u00e9 cobrir un cas eventual d\u2019insolv\u00e8ncia dels teus clients.<\/li>\r\n \t<li><strong>Finan\u00e7ament Comercial Internacional<\/strong>. Permet finan\u00e7ar tant els pagaments a prove\u00efdors internacionals com avan\u00e7ar els cobraments de clients de l\u2019exterior, ja sigui en euros o en altres divises. Et permet adaptar el termini del finan\u00e7ament a les necessitats de la teva startup.<\/li>\r\n \t<li><strong>P\u00f2lissa de cr\u00e8dit<\/strong>. \u00c9s una soluci\u00f3 global per fer front als pagaments del dia a dia i per afrontar les puntes de tresoreria de la teva activitat, per exemple, en casos en qu\u00e8 \u00e9s complex coordinar els cobraments de clients i els pagaments recurrents en moments puntuals. \u00c9s important tenir en compte que t\u00e9 un venciment definit.<\/li>\r\n<\/ul>\r\n&nbsp;\r\n\r\nLa utilitzaci\u00f3 d\u2019una o de diverses solucions financeres de suport a la tresoreria et facilitar\u00e0 un creixement r\u00e0pid i ordenat, salvant les limitacions que implica l\u2019escassetat de tresoreria.\r\n\r\n&nbsp;\r\n\r\nPosa\u2019t en contacte amb l\u2019Oficina BStartup (<u><a href=\"https:\/\/bstartup.bancsabadell.com\/ca\/oficines\/\" target=\"_blank\" rel=\"noopener\">Oficines &#8211; BStartup Banc Sabadell &#8211; bancsabadell.com<\/a><\/u>) i t\u2019assessorarem en aquestes i en altres solucions per a la teva startup.\r\n\r\n&nbsp;\r\n\r\n<strong>Enric Chiva<\/strong>\r\n<em>Director Comercial BStartup<\/em> \n            <\/div>\n                    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":16394,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[266],"tags":[],"class_list":["post-16404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financament"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Solucions de tresoreria per a les startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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