{"id":10589,"date":"2025-04-25T11:28:33","date_gmt":"2025-04-25T09:28:33","guid":{"rendered":"https:\/\/finanedi.es\/blog\/?p=10589"},"modified":"2025-06-20T08:35:11","modified_gmt":"2025-06-20T06:35:11","slug":"mejores-empresas-para-descuento-de-pagares","status":"publish","type":"post","link":"https:\/\/finanedi.es\/blog\/mejores-empresas-para-descuento-de-pagares\/","title":{"rendered":"Mejores empresas para descuento de pagar\u00e9s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10589\" class=\"elementor elementor-10589\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7e4d7f e-flex e-con-boxed e-con e-parent\" data-id=\"d7e4d7f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bc64ff9 e-con-full e-flex e-con e-child\" data-id=\"bc64ff9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-152c2b0 elementor-widget elementor-widget-heading\" data-id=\"152c2b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mejores empresas para solicitar descuento de pagar\u00e9s 2025<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-babd73c elementor-widget elementor-widget-spacer\" data-id=\"babd73c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5e3706 elementor-widget elementor-widget-heading\" data-id=\"f5e3706\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfBuscas liquidez sin complicaciones? El descuento de pagar\u00e9s puede ser tu mejor aliado<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c05ab7e elementor-widget elementor-widget-text-editor\" data-id=\"c05ab7e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En el d\u00eda a d\u00eda de una pyme o de un aut\u00f3nomo, enfrentarse a per\u00edodos de falta de liquidez puede poner en jaque el crecimiento del negocio. Si has recibido pagar\u00e9s con vencimientos a 30, 60 o incluso 90 d\u00edas, esperar a cobrarlos puede suponer una aut\u00e9ntica limitaci\u00f3n operativa. Es aqu\u00ed donde el descuento de pagar\u00e9s se convierte en una soluci\u00f3n clave para adelantar el cobro y mantener la actividad sin fricciones.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-092161b elementor-widget elementor-widget-spacer\" data-id=\"092161b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e770662 elementor-widget elementor-widget-heading\" data-id=\"e770662\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es el descuento de pagar\u00e9s y por qu\u00e9 cada vez m\u00e1s empresas lo utilizan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc6f6db elementor-widget elementor-widget-text-editor\" data-id=\"dc6f6db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El descuento de pagar\u00e9s es una f\u00f3rmula de financiaci\u00f3n a corto plazo mediante la cual una empresa cede un pagar\u00e9 a una entidad financiera a cambio de obtener el importe antes de su vencimiento. Esta operaci\u00f3n permite convertir ventas a cr\u00e9dito en liquidez inmediata.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef696e5 elementor-widget elementor-widget-heading\" data-id=\"ef696e5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ventajas del descuento de pagar\u00e9s:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23cc0c3 elementor-widget elementor-widget-text-editor\" data-id=\"23cc0c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"1525\" data-end=\"1587\"><p class=\"\" data-start=\"1527\" data-end=\"1587\"><strong data-start=\"1527\" data-end=\"1549\">Liquidez inmediata<\/strong> sin necesidad de pr\u00e9stamos bancarios.<\/p><\/li><li class=\"\" data-start=\"1588\" data-end=\"1639\"><p class=\"\" data-start=\"1590\" data-end=\"1639\"><strong data-start=\"1590\" data-end=\"1612\">No afecta al CIRBE<\/strong> si se realiza sin recurso.<\/p><\/li><li class=\"\" data-start=\"1640\" data-end=\"1731\"><p class=\"\" data-start=\"1642\" data-end=\"1731\">Es una soluci\u00f3n especialmente \u00fatil para <strong data-start=\"1682\" data-end=\"1703\">pymes y aut\u00f3nomos<\/strong> con ciclos de cobro largos.<\/p><\/li><li class=\"\" data-start=\"1732\" data-end=\"1804\"><p class=\"\" data-start=\"1734\" data-end=\"1804\">Permite <strong data-start=\"1742\" data-end=\"1787\">optimizar la tesorer\u00eda y planificar pagos<\/strong> sin sobresaltos.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9023cb5 elementor-widget elementor-widget-text-editor\" data-id=\"9023cb5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cada vez m\u00e1s empresas recurren a esta soluci\u00f3n por su <strong data-start=\"1787\" data-end=\"1833\">rapidez, flexibilidad y escasos requisitos<\/strong> en comparaci\u00f3n con productos bancarios tradicionales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22ca7ea4 elementor-widget elementor-widget-text-editor\" data-id=\"22ca7ea4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\ud83d\udcc4 Art\u00edculo relacionado<\/strong>:\u00a0<a href=\"https:\/\/finanedi.es\/blog\/descuento-de-pagares-solucion-para-mejorar-la-liquidez-de-tu-negocio\/\" target=\"_blank\" rel=\"noopener\">Descuento de pagar\u00e9s: Soluci\u00f3n para mejorar la liquidez de tu negocio<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22b601e elementor-widget elementor-widget-spacer\" data-id=\"22b601e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9afa35 elementor-widget elementor-widget-heading\" data-id=\"d9afa35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Las mejores empresas para descuento de pagar\u00e9s en 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0956b4 elementor-widget elementor-widget-spacer\" data-id=\"f0956b4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03cf2c9 elementor-widget elementor-widget-heading\" data-id=\"03cf2c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.bravocapital.es\/\" target=\"_blank\">Bravo Capital<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53f3ddf elementor-widget elementor-widget-image\" data-id=\"53f3ddf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"511\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/10\/Pagina-web-Bravo-Capital-factoring-1024x511.jpg\" class=\"attachment-large size-large wp-image-5713\" alt=\"P\u00e1gina web Bravo Capital factoring\" srcset=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/10\/Pagina-web-Bravo-Capital-factoring-1024x511.jpg 1024w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/10\/Pagina-web-Bravo-Capital-factoring-300x150.jpg 300w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/10\/Pagina-web-Bravo-Capital-factoring-768x384.jpg 768w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/10\/Pagina-web-Bravo-Capital-factoring-1536x767.jpg 1536w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/10\/Pagina-web-Bravo-Capital-factoring.jpg 1900w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1c1c8e elementor-widget elementor-widget-text-editor\" data-id=\"d1c1c8e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/finanedi.es\/blog\/bravo-capital\/\" target=\"_blank\" rel=\"noopener\">Bravo Capital<\/a> se ha consolidado como una de las compa\u00f1\u00edas m\u00e1s s\u00f3lidas en el sector del <strong data-start=\"2766\" data-end=\"2796\">financiamiento no bancario<\/strong>. Destaca por ofrecer un servicio \u00e1gil, personalizado y 100% enfocado en empresas y aut\u00f3nomos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40ae0d8 elementor-widget elementor-widget-text-editor\" data-id=\"40ae0d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"2906\" data-end=\"2949\"><p class=\"\" data-start=\"2908\" data-end=\"2949\">Estudio y respuesta en menos de 48 horas.<\/p><\/li><li class=\"\" data-start=\"2950\" data-end=\"3028\"><p class=\"\" data-start=\"2952\" data-end=\"3028\">Financiaci\u00f3n sin consumo de CIRBE (ideal para empresas con otros pr\u00e9stamos).<\/p><\/li><li class=\"\" data-start=\"3029\" data-end=\"3059\"><p class=\"\" data-start=\"3031\" data-end=\"3059\">Modalidad con y sin recurso.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7121c9 elementor-widget elementor-widget-text-editor\" data-id=\"e7121c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"3089\" data-end=\"3103\">Ideal para<\/strong>: pymes con clientes solventes y necesidad de liquidez r\u00e1pida, sin comprometer su capacidad de cr\u00e9dito.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-730dd8d elementor-widget elementor-widget-spacer\" data-id=\"730dd8d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edfa7bd elementor-widget elementor-widget-heading\" data-id=\"edfa7bd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bankinter Empresas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffcfa13 elementor-widget elementor-widget-image\" data-id=\"ffcfa13\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"511\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Bankinter-empresas-1024x511.jpg\" class=\"attachment-large size-large wp-image-10592\" alt=\"Bankinter empresas\" srcset=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Bankinter-empresas-1024x511.jpg 1024w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Bankinter-empresas-300x150.jpg 300w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Bankinter-empresas-768x383.jpg 768w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Bankinter-empresas-1536x766.jpg 1536w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Bankinter-empresas.jpg 1904w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad29f47 elementor-widget elementor-widget-text-editor\" data-id=\"ad29f47\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.bankinter.com\/empresas\/\" target=\"_blank\" rel=\"noopener\">Bankinter<\/a> ofrece servicios de descuento de pagar\u00e9s dentro de su l\u00ednea de financiaci\u00f3n para empresas. Aunque los procesos pueden ser m\u00e1s lentos que en una fintech, proporciona <strong data-start=\"4620\" data-end=\"4660\">confianza y condiciones competitivas<\/strong> para clientes consolidados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a56e8f elementor-widget elementor-widget-text-editor\" data-id=\"4a56e8f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"4704\" data-end=\"4734\"><p class=\"\" data-start=\"4706\" data-end=\"4734\">Amplia experiencia bancaria.<\/p><\/li><li class=\"\" data-start=\"4735\" data-end=\"4780\"><p class=\"\" data-start=\"4737\" data-end=\"4780\">Condiciones negociables si ya eres cliente.<\/p><\/li><li class=\"\" data-start=\"4781\" data-end=\"4829\"><p class=\"\" data-start=\"4783\" data-end=\"4829\">Servicio especializado para medianas empresas.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fd980d elementor-widget elementor-widget-text-editor\" data-id=\"0fd980d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"4831\" data-end=\"4845\">Ideal para<\/strong>: empresas con trayectoria y relaci\u00f3n bancaria s\u00f3lida.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9cbc99 elementor-widget elementor-widget-spacer\" data-id=\"d9cbc99\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b52e10f elementor-widget elementor-widget-heading\" data-id=\"b52e10f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.caixabank.es\/empresa\/negocios\/negocios_es.html\" target=\"_blank\">CaixaBank Negocios<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0ad67 elementor-widget elementor-widget-image\" data-id=\"1c0ad67\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"529\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/01\/Pagina-web-CaixaBank-Empresas-1024x529.jpg\" class=\"attachment-large size-large wp-image-9101\" alt=\"P\u00e1gina web CaixaBank Empresas\" srcset=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/01\/Pagina-web-CaixaBank-Empresas-1024x529.jpg 1024w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/01\/Pagina-web-CaixaBank-Empresas-300x155.jpg 300w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/01\/Pagina-web-CaixaBank-Empresas-768x396.jpg 768w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/01\/Pagina-web-CaixaBank-Empresas-1536x793.jpg 1536w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/01\/Pagina-web-CaixaBank-Empresas-2048x1057.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec5e8e2 elementor-widget elementor-widget-text-editor\" data-id=\"ec5e8e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/finanedi.es\/blog\/caixabank-empresas\/\" target=\"_blank\" rel=\"noopener\">CaixaBank<\/a> tambi\u00e9n permite descontar pagar\u00e9s, especialmente dentro de su paquete de productos financieros para empresas. La atenci\u00f3n personalizada y la presencia territorial son sus puntos fuertes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edabb0d elementor-widget elementor-widget-text-editor\" data-id=\"edabb0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"5222\" data-end=\"5257\"><p class=\"\" data-start=\"5224\" data-end=\"5257\">Red de oficinas a nivel nacional.<\/p><\/li><li class=\"\" data-start=\"5258\" data-end=\"5288\"><p class=\"\" data-start=\"5260\" data-end=\"5288\">Servicio de gestor personal.<\/p><\/li><li class=\"\" data-start=\"5289\" data-end=\"5321\"><p class=\"\" data-start=\"5291\" data-end=\"5321\">Modalidades con y sin recurso.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2baaab7 elementor-widget elementor-widget-text-editor\" data-id=\"2baaab7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"5323\" data-end=\"5337\">Ideal para<\/strong>: negocios que valoran el trato directo con una entidad tradicional.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b55ebd6 elementor-widget elementor-widget-spacer\" data-id=\"b55ebd6\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cfdb06 elementor-widget elementor-widget-heading\" data-id=\"8cfdb06\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.crealsa.es\/\" target=\"_blank\">Crealsa<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de0895c elementor-widget elementor-widget-image\" data-id=\"de0895c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"511\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Pagina-web-Crealsa-1024x511.jpg\" class=\"attachment-large size-large wp-image-7216\" alt=\"P\u00e1gina web Crealsa\" srcset=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Pagina-web-Crealsa-1024x511.jpg 1024w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Pagina-web-Crealsa-300x150.jpg 300w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Pagina-web-Crealsa-768x383.jpg 768w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Pagina-web-Crealsa-1536x766.jpg 1536w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Pagina-web-Crealsa.jpg 1896w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0943eeb elementor-widget elementor-widget-text-editor\" data-id=\"0943eeb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.crealsa.es\/\" target=\"_blank\" rel=\"noopener\">Crealsa<\/a> destaca por su enfoque simple, digital y orientado al cliente. Permite descontar pagar\u00e9s desde importes peque\u00f1os, lo que la hace atractiva para microempresas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ae514 elementor-widget elementor-widget-text-editor\" data-id=\"e9ae514\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"4092\" data-end=\"4114\"><p class=\"\" data-start=\"4094\" data-end=\"4114\">Proceso 100% online.<\/p><\/li><li class=\"\" data-start=\"4115\" data-end=\"4154\"><p class=\"\" data-start=\"4117\" data-end=\"4154\">Sin papeleos ni garant\u00edas personales.<\/p><\/li><li class=\"\" data-start=\"4155\" data-end=\"4183\"><p class=\"\" data-start=\"4157\" data-end=\"4183\">Alta en solo unos minutos.<\/p><\/li><li class=\"\" data-start=\"4184\" data-end=\"4228\"><p class=\"\" data-start=\"4186\" data-end=\"4228\">Posibilidad de financiaci\u00f3n desde 1.000 \u20ac.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a27d3f elementor-widget elementor-widget-text-editor\" data-id=\"8a27d3f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"3700\" data-end=\"3714\">Ideal para<\/strong>: empresas que buscan una soluci\u00f3n flexible, incluso en sectores con alto riesgo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2975f9 elementor-widget elementor-widget-spacer\" data-id=\"f2975f9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13e9cc0 elementor-widget elementor-widget-heading\" data-id=\"13e9cc0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfC\u00f3mo elegir la mejor empresa para descontar pagar\u00e9s?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56accdf elementor-widget elementor-widget-text-editor\" data-id=\"56accdf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Antes de decidir con qui\u00e9n operar, ten en cuenta estos factores clave:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08e0970 elementor-widget elementor-widget-text-editor\" data-id=\"08e0970\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"2024\" data-end=\"2082\"><p class=\"\" data-start=\"2026\" data-end=\"2082\"><strong data-start=\"2026\" data-end=\"2045\">Tipo de entidad<\/strong> (bancaria o financiera alternativa).<\/p><\/li><li class=\"\" data-start=\"2083\" data-end=\"2168\"><p class=\"\" data-start=\"2085\" data-end=\"2168\"><strong data-start=\"2085\" data-end=\"2108\">Costes y comisiones<\/strong> (tipo de inter\u00e9s, comisi\u00f3n de gesti\u00f3n, notificaci\u00f3n, etc.).<\/p><\/li><li class=\"\" data-start=\"2169\" data-end=\"2220\"><p class=\"\" data-start=\"2171\" data-end=\"2220\"><strong data-start=\"2171\" data-end=\"2194\">Tiempo de respuesta<\/strong> y agilidad en el proceso.<\/p><\/li><li class=\"\" data-start=\"2221\" data-end=\"2255\"><p class=\"\" data-start=\"2223\" data-end=\"2255\"><strong data-start=\"2223\" data-end=\"2254\">Modalidad con o sin recurso<\/strong>.<\/p><\/li><li class=\"\" data-start=\"2256\" data-end=\"2347\"><p class=\"\" data-start=\"2258\" data-end=\"2347\"><strong data-start=\"2258\" data-end=\"2297\">Atenci\u00f3n personalizada y tecnolog\u00eda<\/strong>: muchas fintech destacan por su agilidad digital.<\/p><\/li><li class=\"\" data-start=\"2348\" data-end=\"2417\"><p class=\"\" data-start=\"2350\" data-end=\"2417\"><strong data-start=\"2350\" data-end=\"2382\">Valoraci\u00f3n de otras empresas<\/strong> que ya han operado con la entidad.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4abcd98 elementor-widget elementor-widget-text-editor\" data-id=\"4abcd98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Con estos criterios en mente, te presentamos una selecci\u00f3n de las mejores empresas para descuento de pagar\u00e9s en 2025.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ad697c elementor-widget elementor-widget-spacer\" data-id=\"4ad697c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68d4ea6 elementor-widget elementor-widget-heading\" data-id=\"68d4ea6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Alternativas al descuento bancario tradicional<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4293953 elementor-widget elementor-widget-text-editor\" data-id=\"4293953\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Muchas empresas siguen acudiendo a su banco de siempre, pero no siempre es la opci\u00f3n m\u00e1s ventajosa. Las entidades tradicionales:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6765a6a elementor-widget elementor-widget-text-editor\" data-id=\"6765a6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"5290\" data-end=\"5340\"><p class=\"\" data-start=\"5292\" data-end=\"5340\">Suelen tener <strong data-start=\"5305\" data-end=\"5339\">procesos lentos y burocr\u00e1ticos<\/strong>.<\/p><\/li><li class=\"\" data-start=\"5341\" data-end=\"5415\"><p class=\"\" data-start=\"5343\" data-end=\"5415\">Exigen garant\u00edas adicionales o l\u00edneas de cr\u00e9dito previamente concedidas.<\/p><\/li><li class=\"\" data-start=\"5416\" data-end=\"5515\"><p class=\"\" data-start=\"5418\" data-end=\"5515\">En muchos casos, <strong data-start=\"5435\" data-end=\"5469\">reportan la operaci\u00f3n al CIRBE<\/strong>, lo que puede limitar futuras financiaciones.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a10879 elementor-widget elementor-widget-text-editor\" data-id=\"3a10879\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Por eso, cada vez m\u00e1s pymes est\u00e1n apostando por empresas especializadas y plataformas fintech, donde la <strong data-start=\"5621\" data-end=\"5679\">experiencia de usuario, la transparencia y la agilidad<\/strong> marcan la diferencia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55a5bde elementor-widget elementor-widget-spacer\" data-id=\"55a5bde\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8f47ad elementor-widget elementor-widget-heading\" data-id=\"b8f47ad\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Transforma tus pagar\u00e9s en oportunidades<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35a1f21 elementor-widget elementor-widget-text-editor\" data-id=\"35a1f21\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"5979\" data-end=\"6206\">El descuento de pagar\u00e9s ya no es un privilegio exclusivo de grandes corporaciones. Gracias a las nuevas fintech y entidades especializadas, <strong data-start=\"6119\" data-end=\"6205\">hoy cualquier pyme o aut\u00f3nomo puede financiarse de forma r\u00e1pida, sencilla y segura<\/strong>.<\/p><p class=\"\" data-start=\"6208\" data-end=\"6417\">Ya sea que necesites liquidez puntual o quieras mejorar tu flujo de caja de forma constante, elegir la empresa adecuada para descontar pagar\u00e9s puede marcar la diferencia entre frenar o impulsar tu crecimiento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6672a9e elementor-widget elementor-widget-spacer\" data-id=\"6672a9e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3d2b9f e-con-full e-flex e-con e-child\" data-id=\"a3d2b9f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5556607 elementor-widget elementor-widget-html\" data-id=\"5556607\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<html lang=\"es\">\n<head>\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<style>\n        #img {\n            cursor: pointer; \/* Cambia el cursor a una mano *\/\n        }\n    <\/style>\n\n<\/head>\n<body>\n<img decoding=\"async\" id=\"img\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/financiacion-empresas.jpg\" alt=\"\">\n\n<script>\n        document.getElementById('img').addEventListener('click', function() {\n \/\/ Abrir una nueva pesta\u00f1a con la URL deseada\n            window.open('https:\/\/finanedi.es\/servicios-financieros', '_blank');\n        });\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad1cf11 elementor-widget elementor-widget-html\" data-id=\"ad1cf11\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<html lang=\"es\">\r\n<head>\r\n    <meta charset=\"UTF-8\">\r\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n    <title>Calculadora factoring<\/title>\r\n    <style>\r\n        .calculadora {\r\n            width: 100%;\r\n            height: 840px;\r\n            box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);\r\n            border-radius: 6px;\r\n            position: sticky;  \r\n            top: 800px;           \r\n        }\r\n    <\/style>\r\n<\/head>\r\n<body>\r\n    <iframe src=\"https:\/\/ops.finanedi.es\/tarificador\/?portalId=144642067&formId=e86e2c2b-3d70-47ca-9040-3e15e5259095\" class=\"calculadora\" title=\"Calculadora de Factoring de FinanEDI\"><\/iframe>\r\n<\/body>\r\n<\/html>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3654eab1 e-flex e-con-boxed e-con e-parent\" data-id=\"3654eab1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c9379f e-con-full e-flex e-con e-child\" data-id=\"9c9379f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-967c650 e-flex e-con-boxed e-con e-child\" data-id=\"967c650\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d57c77 elementor-widget elementor-widget-heading\" data-id=\"12d57c77\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Financiaci\u00f3n para empresas<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f4be50a elementor-widget elementor-widget-heading\" data-id=\"5f4be50a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La financiaci\u00f3n inteligente que tu negocio necesita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186a7f65 elementor-widget elementor-widget-text-editor\" data-id=\"186a7f65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gracias a nuestras colaboraciones con servicios financieros de terceros, hemos ampliado nuestros servicios para ofrecerte opciones de financiaci\u00f3n alternativa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f37cde6 elementor-widget elementor-widget-button\" data-id=\"7f37cde6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/finanedi.es\/servicios-financieros\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">M\u00e1s informaci\u00f3n<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-122463dd e-con-full e-flex e-con e-child\" data-id=\"122463dd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea701fd elementor-widget elementor-widget-image\" data-id=\"6ea701fd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"573\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/reducir-WACC-1024x573.jpg\" class=\"attachment-large size-large wp-image-7171\" alt=\"Estrategias para reducir el WACC\" srcset=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/reducir-WACC-1024x573.jpg 1024w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/reducir-WACC-300x168.jpg 300w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/reducir-WACC-768x430.jpg 768w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/reducir-WACC-1536x859.jpg 1536w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/reducir-WACC.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c5ac9d e-flex e-con-boxed e-con e-parent\" data-id=\"0c5ac9d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a797958 elementor-widget elementor-widget-spacer\" data-id=\"a797958\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e19fae e-flex e-con-boxed e-con e-parent\" data-id=\"6e19fae\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-35be1f0 e-con-full e-flex e-con e-child\" data-id=\"35be1f0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c7093ff elementor-widget elementor-widget-heading\" data-id=\"5c7093ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ea79130 e-flex e-con-boxed e-con e-child\" data-id=\"1ea79130\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6269f6bc elementor-widget elementor-widget-heading\" data-id=\"6269f6bc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta descontar un pagar\u00e9?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3edcb91 elementor-widget elementor-widget-text-editor\" data-id=\"3edcb91\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"1166\" data-end=\"1187\">El coste var\u00eda seg\u00fan:<\/p><ul data-start=\"1189\" data-end=\"1287\"><li class=\"\" data-start=\"1189\" data-end=\"1230\"><p class=\"\" data-start=\"1191\" data-end=\"1230\">El plazo restante hasta el vencimiento.<\/p><\/li><li class=\"\" data-start=\"1231\" data-end=\"1255\"><p class=\"\" data-start=\"1233\" data-end=\"1255\">El importe del pagar\u00e9.<\/p><\/li><li class=\"\" data-start=\"1256\" data-end=\"1287\"><p class=\"\" data-start=\"1258\" data-end=\"1287\">El riesgo asociado al emisor.<\/p><\/li><\/ul><p class=\"\" data-start=\"1289\" data-end=\"1463\">La comisi\u00f3n suele oscilar entre el <strong data-start=\"1324\" data-end=\"1346\">1% y el 4% mensual<\/strong>, aunque algunas empresas aplican tarifas personalizadas. Por eso es clave comparar varias opciones antes de decidir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13247617 e-flex e-con-boxed e-con e-child\" data-id=\"13247617\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31f88cc0 elementor-widget elementor-widget-heading\" data-id=\"31f88cc0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfPuedo descontar un pagar\u00e9 si soy aut\u00f3nomo?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b762e9 elementor-widget elementor-widget-text-editor\" data-id=\"4b762e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00ed, muchos aut\u00f3nomos utilizan esta soluci\u00f3n para <strong data-start=\"1575\" data-end=\"1631\">anticipar cobros y mantener su flujo de caja estable<\/strong>. Empresas como Gedesco, Bravo Capital o Fideco trabajan habitualmente con aut\u00f3nomos, siempre que el pagar\u00e9 est\u00e9 emitido por un tercero solvente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4614bde5 e-flex e-con-boxed e-con e-child\" data-id=\"4614bde5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e12db24 elementor-widget elementor-widget-heading\" data-id=\"e12db24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 pasa si el cliente no paga el pagar\u00e9?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41ec5c18 elementor-widget elementor-widget-text-editor\" data-id=\"41ec5c18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul data-start=\"1838\" data-end=\"2021\"><li class=\"\" data-start=\"1838\" data-end=\"1948\"><p class=\"\" data-start=\"1840\" data-end=\"1948\">Si contrataste un <strong data-start=\"1858\" data-end=\"1883\">descuento con recurso<\/strong>, deber\u00e1s devolver el importe anticipado a la entidad financiera.<\/p><\/li><li class=\"\" data-start=\"1949\" data-end=\"2021\"><p class=\"\" data-start=\"1951\" data-end=\"2021\">Si fue <strong data-start=\"1958\" data-end=\"1973\">sin recurso<\/strong>, el riesgo lo asume la empresa que te financi\u00f3.<\/p><\/li><\/ul><p class=\"\" data-start=\"2023\" data-end=\"2123\">Es muy importante revisar bien las condiciones del contrato para evitar sorpresas en caso de impago.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b107d62 e-flex e-con-boxed e-con e-child\" data-id=\"1b107d62\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbad53e elementor-widget elementor-widget-heading\" data-id=\"4bbad53e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 diferencia hay entre el descuento de pagar\u00e9s con recurso y sin recurso?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cc477cc elementor-widget elementor-widget-text-editor\" data-id=\"6cc477cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"378\" data-end=\"493\"><p class=\"\" data-start=\"380\" data-end=\"493\"><strong data-start=\"380\" data-end=\"395\">Con recurso<\/strong>: si el cliente no paga el pagar\u00e9 al vencimiento, la empresa que lo descont\u00f3 debe asumir la deuda.<\/p><\/li><li class=\"\" data-start=\"494\" data-end=\"706\"><p class=\"\" data-start=\"496\" data-end=\"706\"><strong data-start=\"496\" data-end=\"511\">Sin recurso<\/strong>: el riesgo de impago lo asume la entidad financiera. Esta opci\u00f3n no computa en el CIRBE y es la m\u00e1s utilizada por las pymes que buscan financiaci\u00f3n sin comprometer su capacidad de endeudamiento.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0cccbb elementor-widget elementor-widget-spacer\" data-id=\"1a0cccbb\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23b55344 e-con-full e-flex e-con e-child\" data-id=\"23b55344\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f474365 elementor-widget elementor-widget-heading\" data-id=\"f474365\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">No te pierdas...<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-777ec10e e-con-full e-flex e-con e-child\" data-id=\"777ec10e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-249dbafe elementor-widget elementor-widget-katen-post-five\" data-id=\"249dbafe\" data-element_type=\"widget\" data-widget_type=\"katen-post-five.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"padding-30 rounded bordered\">\n\n\t\t\t<div class=\"row infinite-wrapper\">\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/financiacion-alternativa-mejorar-flujo-de-caja\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/04\/Financiacion-alternativa-Flujo-de-caja-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"C\u00f3mo mejorar el flujo de caja de tu empresa con financiaci\u00f3n alternativa\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/contabilidad\/\">Contabilidad<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/financiacion-alternativa-mejorar-flujo-de-caja\/\">C\u00f3mo mejorar el flujo de caja de tu empresa con financiaci\u00f3n alternativa<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tEl flujo de caja es uno de los indicadores m\u00e1s importantes de la salud financiera&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/descuento-de-efectos\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/Descuento-de-efectos-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"\u00bfQu\u00e9 es el descuento de efectos?\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/descuento-de-efectos\/\">\u00bfQu\u00e9 es el descuento de efectos?<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tPara las pymes, disponer de efectivo de manera oportuna puede ser la diferencia entre aprovechar&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/crowdlending\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/02\/crowdlending-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Crowdlending: Qu\u00e9 es y c\u00f3mo puede ayudar a tu negocio\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/crowdlending\/\">C\u00f3mo el crowdlending puede impulsar tu negocio<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\t\u00bfQu\u00e9 es el crowdlending? El crowdlending es una forma de financiamiento colectivo en la que&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/coste-del-factoring-como-se-calcula-y-que-tener-en-cuenta\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Todo lo que necesitas saber sobre el factoring\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/coste-del-factoring-como-se-calcula-y-que-tener-en-cuenta\/\">Coste del factoring: c\u00f3mo se calcula y qu\u00e9 tener en cuenta<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tCoste del factoring: c\u00f3mo se calcula y qu\u00e9 tener en cuenta El factoring es una&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-md-12 col-sm-6 post-list-item post-item\">\n\t\t\t\t\t<!-- post -->\n\t\t\t\t\t<div class=\"post post-list clearfix\">\n\n\t\t\t\t\t\t<div class=\"thumb rounded\"><div class=\"inner\"><a href=\"https:\/\/finanedi.es\/blog\/como-elegir-entre-financiacion-bancaria-y-no-bancaria-para-tu-pyme\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/08\/Como-elegir-entre-financiacion-bancaria-y-no-bancaria-para-tu-pyme-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"C\u00f3mo elegir entre financiaci\u00f3n bancaria y no bancaria para tu pyme\" \/><\/a><\/div><\/div>  \n\n\t\t\t\t\t\t<div class=\"details clearfix\">\n\t\t\t\t\t\t\t<ul class=\"meta list-inline mb-3\">\n\t\t\t\t\t\t\t\t<li class=\"list-inline-item\"><a href=\"https:\/\/finanedi.es\/blog\/category\/finanzas\/\">Finanzas<\/a><\/li>\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<h5 class=\"post-title\"><a href=\"https:\/\/finanedi.es\/blog\/como-elegir-entre-financiacion-bancaria-y-no-bancaria-para-tu-pyme\/\">C\u00f3mo elegir entre financiaci\u00f3n bancaria y no bancaria para tu pyme<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tConseguir financiaci\u00f3n es una de las principales preocupaciones de cualquier pyme. Ya sea para cubrir&hellip;\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"post-bottom clearfix d-flex align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4de5a25 e-con-full e-flex e-con e-child\" data-id=\"4de5a25\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b854e40 elementor-widget elementor-widget-html\" data-id=\"b854e40\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<html lang=\"es\">\r\n<head>\r\n    <meta charset=\"UTF-8\">\r\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n    <title>Calculadora factoring<\/title>\r\n    <style>\r\n        .calculadora {\r\n            width: 100%;\r\n            height: 840px;\r\n            box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);\r\n            border-radius: 6px;\r\n            position: sticky;  \r\n            top: 800px;           \r\n        }\r\n    <\/style>\r\n<\/head>\r\n<body>\r\n    <iframe src=\"https:\/\/ops.finanedi.es\/tarificador\/?portalId=144642067&formId=e86e2c2b-3d70-47ca-9040-3e15e5259095\" class=\"calculadora\" title=\"Calculadora de Factoring de FinanEDI\"><\/iframe>\r\n<\/body>\r\n<\/html>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f435225 elementor-widget elementor-widget-html\" data-id=\"f435225\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<html lang=\"es\">\n<head>\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<style>\n        #img {\n            cursor: pointer; \/* Cambia el cursor a una mano *\/\n        }\n    <\/style>\n\n<\/head>\n<body>\n<img decoding=\"async\" id=\"img\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/11\/financiacion-empresas.jpg\" alt=\"\">\n\n<script>\n        document.getElementById('img').addEventListener('click', function() {\n \/\/ Abrir una nueva pesta\u00f1a con la URL deseada\n            window.open('https:\/\/finanedi.es\/servicios-financieros', '_blank');\n        });\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>En el d\u00eda a d\u00eda de una pyme o de un aut\u00f3nomo, enfrentarse a per\u00edodos de falta de liquidez puede poner en jaque el crecimiento del negocio. Si has recibido pagar\u00e9s con vencimientos a 30, 60 o incluso 90 d\u00edas, esperar a cobrarlos puede suponer una aut\u00e9ntica limitaci\u00f3n operativa. Es aqu\u00ed donde el descuento de pagar\u00e9s se convierte en una soluci\u00f3n clave para adelantar el cobro y mantener la actividad sin fricciones.<\/p>\n","protected":false},"author":3,"featured_media":10597,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[44],"tags":[86],"class_list":["post-10589","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas","tag-financiacion-empresa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mejores empresas para descuento de pagar\u00e9s: Consigue liquidez<\/title>\n<meta name=\"description\" content=\"Descubre las mejores empresas de descuento de pagar\u00e9s y consigue liquidez r\u00e1pida para tu pyme o negocio. 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