{"id":18728,"date":"2024-12-05T00:22:00","date_gmt":"2024-12-04T23:22:00","guid":{"rendered":"https:\/\/bstartup.jellibylab.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/"},"modified":"2024-12-11T00:27:55","modified_gmt":"2024-12-10T23:27:55","slug":"eines-per-a-millorar-la-tresoreria-confirming-i-internacional","status":"publish","type":"post","link":"https:\/\/bstartup.bancsabadell.com\/ca\/eines-per-a-millorar-la-tresoreria-confirming-i-internacional\/","title":{"rendered":"Eines per a millorar la tresoreria: Confirming i Internacional"},"content":{"rendered":"<section id=\"block_8b8fb930f215a115b3e061ec584d4835\" 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                Les\u00a0startups\u00a0enfronten diversos reptes cada dia, per la qual cosa els emprenedors necessiten comptar amb el confort adequat a l&#8217;hora de prendre les seves decisions. Disposar de les solucions que s&#8217;adaptin millor a les necessitats del seu negoci a cada moment pot ser la resposta. Un bon exemple pot ser <strong>el control dels pagaments i la cura de la tresoreria<\/strong>. Ja sabr\u00e0s que, a m\u00e9s de la cerca d&#8217;un model de negoci sostenible i rendible, <strong>\u00e9s cr\u00edtic disposar de caixa suficient a cada moment per a evitar inconvenients que es poden prevenir<\/strong>.\r\n\r\n&nbsp;\r\n\r\nPer a abordar aquest repte, avui parlem del confirming i de les solucions per a operacions d&#8217;internacional.\r\n\r\n&nbsp;\r\n<h2><strong>El confirming<\/strong><\/h2>\r\n&nbsp;\r\n\r\nEl confirming \u00e9s un servei de gesti\u00f3 de pagaments a prove\u00efdors, als quals a m\u00e9s el Banc ofereix opcionalment el finan\u00e7ament dels seus cobraments. Amb aquest servei, el Banc assumeix la gesti\u00f3 de pagaments als prove\u00efdors de la teva empresa (l&#8217;ordenant dels pagaments) permetent-te diferir el pagament als teus prove\u00efdors.\r\n\r\n&nbsp;\r\n\r\nEn conclusi\u00f3, l&#8217;Entitat banc\u00e0ria s&#8217;encarrega de la gesti\u00f3 dels pagaments als prove\u00efdors i ofereix als beneficiaris la bestreta del cobrament.\r\n\r\n&nbsp;\r\n\r\nExisteixen dues modalitats de confirming que poden ser \u00fatils per a la teva startup, permetent adaptar-se a les necessitats i a la capacitat de negociaci\u00f3 que tingui la teva companyia amb els vostres prove\u00efdors:\r\n\r\n&nbsp;\r\n<ul>\r\n \t<li><strong>El confirming que denominem est\u00e0ndard o principal<\/strong>, en el qual l&#8217;operaci\u00f3 no t\u00e9 cost per al prove\u00efdor si cobra l&#8217;ordre de pagament al venciment. En el cas que desitgi la bestreta, se li descomptar\u00e0 del nominal de la factura la part corresponent als interessos m\u00e9s la comissi\u00f3.<\/li>\r\n \t<li>Per\u00f2 entenem que els prove\u00efdors no sempre accepten el pagament ajornat de les seves factures, per la qual cosa tamb\u00e9 existeix <strong>el Confirming Pagament Immediat<\/strong>, amb el qual podr\u00e0s efectuar el pagament al comptat als prove\u00efdors de l&#8217;import \u00edntegre de les factures i aquests pagaments es liquiden en el teu compte corrent a una data futura, pactada pr\u00e8viament amb el Banc, que sol ser entre 60 i 90 dies. El cost financer corresponent (comissions i interessos) es carreguen en el moment de transmetre les ordres de pagament als prove\u00efdors.<\/li>\r\n<\/ul>\r\n&nbsp;\r\n<h2><strong>Solucions per a operacions internacionals<\/strong><\/h2>\r\n&nbsp;\r\n\r\nPer\u00f2 a vegades, la relaci\u00f3 comercial amb clients i prove\u00efdors pot ser m\u00e9s sofisticada, per exemple, quan les operacions s\u00f3n internacionals. Per sort, avui dia existeixen diverses f\u00f3rmules per a ajudar a les startups en la seva internacionalitzaci\u00f3, a m\u00e9s, moltes d&#8217;elles poden combinar-se en el que es denominen les l\u00ednies de comer\u00e7 exterior o comex.\r\n\r\n&nbsp;\r\n\r\nEl negoci internacional pot presentar moltes oportunitats per a la teva startup, per\u00f2 tamb\u00e9 nous reptes i inquietuds en la gesti\u00f3 financera. Per aquest motiu, tenir un partner financer capa\u00e7 d&#8217;acompanyar a la teva startup en aquest cam\u00ed pot ser decisiu. I tamb\u00e9 \u00e9s molt important que coneguis les possibilitats de finan\u00e7ament de l&#8217;operativa internacional i com s\u00f3n els pagaments a prove\u00efdors d&#8217;altres pa\u00efsos.\r\n\r\n&nbsp;\r\n\r\nEl finan\u00e7ament de les teves importacions no resulta complexa d&#8217;aplicar. Si disposes d&#8217;una l\u00ednia de finan\u00e7ament comex, en emetre un pagament internacional mitjan\u00e7ant transfer\u00e8ncia o xec, fins i tot si utilitzes eines m\u00e9s sofisticades com la remesa o cr\u00e8dit documentari, el Banc habilita l&#8217;opci\u00f3 de finan\u00e7ar aquest pagament a curt termini, ja sigui en euros o en divises, per a no penalitzar la tresoreria, reduint aix\u00ed l&#8217;impacte en la caixa per l&#8217;operativa habitual, fins que s&#8217;efectu\u00efn les vendes i es rebi el cobrament dels clients. Aquest finan\u00e7ament permet complir amb els pagaments a l&#8217;exterior sense sacrificar la liquiditat, a m\u00e9s, possibilita obtenir millors condicions pel finan\u00e7ament bancari que les s\u2019 obtindrien d&#8217;un major ajornament de pagament per part del prove\u00efdor.\r\n\r\n&nbsp;\r\n\r\nA m\u00e9s, si decideixes finan\u00e7ar els pagaments en una divisa diferent a l&#8217;euro, tamb\u00e9 \u00e9s important saber que les <strong>assegurances de canvi<\/strong> redueixen la incertesa de l&#8217;evoluci\u00f3 de les divises en el termini que el finan\u00e7ament est\u00e0 actiu, perqu\u00e8 en el moment del pagament podr\u00e0s assegurar el tipus de canvi de la divisa per al venciment d&#8217;aquest finan\u00e7ament, eliminant el possible impacte negatiu, que pot originar un major cost del previst quan l&#8217;evoluci\u00f3 dels tipus de canvi no \u00e9s favorable.\r\n\r\n&nbsp;\r\n\r\nEn qualsevol cas, a BStartup de Banc Sabadell disposes d&#8217;especialistes de Negoci Internacional que et podran assessorar en els serveis bancaris destinats a l&#8217;operativa internacional de la teva startup.\r\n\r\n&nbsp;\r\n\r\n<em>En la nostra pr\u00f2xima edici\u00f3, parlarem de serveis financers que poden ajudar a la teva startup a retenir el talent oferint beneficis atractius per a les persones del teu equip, millorant la percepci\u00f3 de la companyia per part dels teus col\u00b7laboradors i generant una major vinculaci\u00f3 i sentiment de pertinen\u00e7a. <\/em> \n            <\/div>\n                    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":18724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[264],"tags":[],"class_list":["post-18728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bstartup-insights-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Eines per a millorar la tresoreria: Confirming i Internacional - BStartup Banco Sabadell<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Eines per a millorar la tresoreria: Confirming i Internacional - BStartup Banco Sabadell\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\" \/>\n<meta property=\"og:site_name\" content=\"BStartup Banco Sabadell\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-04T23:22:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-10T23:27:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Banc Sabadell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\"},\"author\":{\"name\":\"Banc Sabadell\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/7d66384a0976d6dfa4a41d04f4a7dbf7\"},\"headline\":\"Eines per a millorar la tresoreria: Confirming i Internacional\",\"datePublished\":\"2024-12-04T23:22:00+00:00\",\"dateModified\":\"2024-12-10T23:27:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\"},\"wordCount\":9,\"image\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg\",\"articleSection\":[\"BStartup Insights\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\",\"url\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\",\"name\":\"Eines per a millorar la tresoreria: Confirming i Internacional - BStartup Banco Sabadell\",\"isPartOf\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg\",\"datePublished\":\"2024-12-04T23:22:00+00:00\",\"dateModified\":\"2024-12-10T23:27:55+00:00\",\"author\":{\"@id\":\"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/7d66384a0976d6dfa4a41d04f4a7dbf7\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage\",\"url\":\"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg\",\"contentUrl\":\"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg\",\"width\":1200,\"height\":600},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/#website\",\"url\":\"https:\/\/bstartup.bancsabadell.com\/\",\"name\":\"BStartup Banco Sabadell\",\"description\":\"Soluciones financieras para hacer crecer tu negocio a corto, medio y largo plazo.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bstartup.bancsabadell.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/7d66384a0976d6dfa4a41d04f4a7dbf7\",\"name\":\"Banc Sabadell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/925b8aaa0b50c101285f01858afbfc9f22b35accf46f47f60defbd5bbf9efbd4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/925b8aaa0b50c101285f01858afbfc9f22b35accf46f47f60defbd5bbf9efbd4?s=96&d=mm&r=g\",\"caption\":\"Banc Sabadell\"},\"sameAs\":[\"https:\/\/bstartup.bancsabadell.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Eines per a millorar la tresoreria: Confirming i Internacional - BStartup Banco Sabadell","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/","og_locale":"ca_ES","og_type":"article","og_title":"Eines per a millorar la tresoreria: Confirming i Internacional - BStartup Banco Sabadell","og_url":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/","og_site_name":"BStartup Banco Sabadell","article_published_time":"2024-12-04T23:22:00+00:00","article_modified_time":"2024-12-10T23:27:55+00:00","og_image":[{"width":1200,"height":600,"url":"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg","type":"image\/jpeg"}],"author":"Banc Sabadell","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#article","isPartOf":{"@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/"},"author":{"name":"Banc Sabadell","@id":"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/7d66384a0976d6dfa4a41d04f4a7dbf7"},"headline":"Eines per a millorar la tresoreria: Confirming i Internacional","datePublished":"2024-12-04T23:22:00+00:00","dateModified":"2024-12-10T23:27:55+00:00","mainEntityOfPage":{"@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/"},"wordCount":9,"image":{"@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage"},"thumbnailUrl":"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg","articleSection":["BStartup Insights"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/","url":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/","name":"Eines per a millorar la tresoreria: Confirming i Internacional - BStartup Banco Sabadell","isPartOf":{"@id":"https:\/\/bstartup.bancsabadell.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage"},"image":{"@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage"},"thumbnailUrl":"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg","datePublished":"2024-12-04T23:22:00+00:00","dateModified":"2024-12-10T23:27:55+00:00","author":{"@id":"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/7d66384a0976d6dfa4a41d04f4a7dbf7"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/bstartup.bancsabadell.com\/herramientas-para-mejorar-la-tesoreria-confirming-e-internacional\/#primaryimage","url":"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg","contentUrl":"https:\/\/bstartup.bancsabadell.com\/wp-content\/uploads\/Herramientas-mejorar-tesoreria-gris.jpg","width":1200,"height":600},{"@type":"WebSite","@id":"https:\/\/bstartup.bancsabadell.com\/#website","url":"https:\/\/bstartup.bancsabadell.com\/","name":"BStartup Banco Sabadell","description":"Soluciones financieras para hacer crecer tu negocio a corto, medio y largo plazo.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bstartup.bancsabadell.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/7d66384a0976d6dfa4a41d04f4a7dbf7","name":"Banc Sabadell","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/bstartup.bancsabadell.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/925b8aaa0b50c101285f01858afbfc9f22b35accf46f47f60defbd5bbf9efbd4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/925b8aaa0b50c101285f01858afbfc9f22b35accf46f47f60defbd5bbf9efbd4?s=96&d=mm&r=g","caption":"Banc Sabadell"},"sameAs":["https:\/\/bstartup.bancsabadell.com"]}]}},"_links":{"self":[{"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/posts\/18728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/comments?post=18728"}],"version-history":[{"count":1,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/posts\/18728\/revisions"}],"predecessor-version":[{"id":18729,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/posts\/18728\/revisions\/18729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/media\/18724"}],"wp:attachment":[{"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/media?parent=18728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/categories?post=18728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bstartup.bancsabadell.com\/ca\/wp-json\/wp\/v2\/tags?post=18728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}