{"id":10941,"date":"2025-06-02T12:13:24","date_gmt":"2025-06-02T10:13:24","guid":{"rendered":"https:\/\/finanedi.es\/blog\/?p=10941"},"modified":"2025-06-20T12:51:45","modified_gmt":"2025-06-20T10:51:45","slug":"coste-del-factoring-como-se-calcula-y-que-tener-en-cuenta","status":"publish","type":"post","link":"https:\/\/finanedi.es\/blog\/coste-del-factoring-como-se-calcula-y-que-tener-en-cuenta\/","title":{"rendered":"Coste del factoring: c\u00f3mo se calcula y qu\u00e9 tener en cuenta"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10941\" class=\"elementor elementor-10941\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a38487a e-flex e-con-boxed e-con e-parent\" data-id=\"a38487a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fe6c532 e-con-full e-flex e-con e-child\" data-id=\"fe6c532\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8cd7af elementor-widget elementor-widget-heading\" data-id=\"a8cd7af\" 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\">Coste del factoring: c\u00f3mo se calcula y qu\u00e9 tener en cuenta<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dc4bbf elementor-widget elementor-widget-image\" data-id=\"0dc4bbf\" 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=\"569\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring-1024x569.jpg\" class=\"attachment-large size-large wp-image-5603\" alt=\"Todo lo que necesitas saber sobre el factoring\" srcset=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring-1024x569.jpg 1024w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring-300x167.jpg 300w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring-768x427.jpg 768w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring-1536x854.jpg 1536w, https:\/\/finanedi.es\/blog\/contenido\/uploads\/2024\/09\/que-es-factoring.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 class=\"elementor-element elementor-element-858872c elementor-widget elementor-widget-text-editor\" data-id=\"858872c\" 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 factoring es una de las soluciones m\u00e1s eficaces para mejorar la liquidez de una empresa, pero antes de contratar este servicio es clave entender bien su <strong data-start=\"491\" data-end=\"505\">coste real<\/strong>. \u00bfCu\u00e1nto cobra una entidad financiera por anticipar tus facturas? \u00bfQu\u00e9 factores influyen en el precio final?<\/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-0485ace elementor-widget elementor-widget-heading\" data-id=\"0485ace\" 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 factoring y por qu\u00e9 tiene un coste?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37503cd elementor-widget elementor-widget-text-editor\" data-id=\"37503cd\" 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 data-start=\"796\" data-end=\"1037\">El factoring es un<a href=\"https:\/\/finanedi.es\/blog\/que-es-el-factoring\/\" target=\"_blank\" rel=\"noopener\"> servicio mediante el cual una empresa cede sus facturas pendientes de cobro<\/a> a una entidad financiera (el factor) para obtener liquidez inmediata. A cambio, la entidad cobra una comisi\u00f3n y, en algunos casos, unos intereses.<\/p><p data-start=\"1039\" data-end=\"1237\">El coste del factoring incluye varios componentes que var\u00edan seg\u00fan el tipo de factoring (con o sin recurso), el importe de las facturas, el plazo de cobro y el perfil de riesgo del cliente y deudor.<\/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-60e030a elementor-widget elementor-widget-spacer\" data-id=\"60e030a\" 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-e738fb0 elementor-widget elementor-widget-heading\" data-id=\"e738fb0\" 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\">Componentes del coste del factoring<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ff8d6 elementor-widget elementor-widget-text-editor\" data-id=\"d0ff8d6\" 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 coste total puede dividirse en tres elementos principales:<\/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-5611fdd elementor-widget elementor-widget-heading\" data-id=\"5611fdd\" 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\">Comisi\u00f3n de factoring<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e86c6d4 elementor-widget elementor-widget-text-editor\" data-id=\"e86c6d4\" 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>Es el porcentaje que la entidad cobra por la gesti\u00f3n y administraci\u00f3n de las facturas. Suele estar entre el <strong data-start=\"1488\" data-end=\"1504\">0,5% y el 4%<\/strong> del importe cedido.<\/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-20bbada elementor-widget elementor-widget-text-editor\" data-id=\"20bbada\" 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>\ud83d\udccc <em data-start=\"1529\" data-end=\"1539\"><strong>Ejemplo<\/strong>:<\/em> Si cedes una factura de 10.000 \u20ac, y la comisi\u00f3n es del 2%, pagar\u00e1s 200 \u20ac por este concepto.<\/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-1a333a2 elementor-widget elementor-widget-spacer\" data-id=\"1a333a2\" 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-872bab5 elementor-widget elementor-widget-heading\" data-id=\"872bab5\" 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\">Inter\u00e9s de anticipo<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd278df elementor-widget elementor-widget-text-editor\" data-id=\"dd278df\" 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 data-start=\"1664\" data-end=\"1835\">Se aplica si el factoring incluye el adelanto del dinero. Es similar a un tipo de inter\u00e9s sobre un pr\u00e9stamo a corto plazo y se calcula seg\u00fan los d\u00edas hasta el vencimiento.<\/p><ul data-start=\"1837\" data-end=\"1987\"><li data-start=\"1837\" data-end=\"1904\"><p data-start=\"1839\" data-end=\"1904\">Se suele expresar como <strong data-start=\"1862\" data-end=\"1888\">tipo anual (TAE o TIN)<\/strong> y se prorratea.<\/p><\/li><li data-start=\"1905\" data-end=\"1987\"><p data-start=\"1907\" data-end=\"1987\">Cuanto m\u00e1s largo sea el plazo de cobro de la factura, m\u00e1s elevado ser\u00e1 el coste.<\/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-421faf2 elementor-widget elementor-widget-text-editor\" data-id=\"421faf2\" 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>\ud83d\udccc <strong><em data-start=\"1992\" data-end=\"2002\">Ejemplo:<\/em> <\/strong>Si el inter\u00e9s anual es del 6% y anticipas una factura de 10.000 \u20ac a 60 d\u00edas, pagar\u00e1s unos 100 \u20ac de intereses.<\/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-485c4b4 elementor-widget elementor-widget-spacer\" data-id=\"485c4b4\" 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-06375ab elementor-widget elementor-widget-heading\" data-id=\"06375ab\" 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\">Gastos adicionales o servicios opcionales<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43adc30 elementor-widget elementor-widget-text-editor\" data-id=\"43adc30\" 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 data-start=\"2167\" data-end=\"2205\">Algunas financieras pueden cobrar por:<\/p><ul data-start=\"2207\" data-end=\"2325\"><li data-start=\"2207\" data-end=\"2241\"><p data-start=\"2209\" data-end=\"2241\">Estudio y apertura del contrato.<\/p><\/li><li data-start=\"2242\" data-end=\"2273\"><p data-start=\"2244\" data-end=\"2273\">Gesti\u00f3n de impagos o recobro.<\/p><\/li><li data-start=\"2274\" data-end=\"2325\"><p data-start=\"2276\" data-end=\"2325\">Seguro de insolvencia (en factoring 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-63ad936 elementor-widget elementor-widget-spacer\" data-id=\"63ad936\" 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<div class=\"elementor-element elementor-element-8447a3f e-flex e-con-boxed e-con e-child\" data-id=\"8447a3f\" 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-c34b754 elementor-widget elementor-widget-heading\" data-id=\"c34b754\" 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\">\u00bfQuieres saber cu\u00e1nto te costar\u00eda una operaci\u00f3n de factoring?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d932e0 elementor-widget elementor-widget-text-editor\" data-id=\"9d932e0\" 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>Utiliza nuestra <a class=\"\" href=\"https:\/\/finanedi.es\/blog\/factoring-calculadora-anticipo-de-facturas\/\" target=\"_blank\" rel=\"noopener\" data-start=\"4563\" data-end=\"4604\">calculadora de factoring interactiva<\/a> y descubre al instante el coste estimado y el importe que podr\u00edas anticipar.<\/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<div class=\"elementor-element elementor-element-dbc18f1 elementor-widget elementor-widget-spacer\" data-id=\"dbc18f1\" 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-e82bc82 elementor-widget elementor-widget-heading\" data-id=\"e82bc82\" 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\">Factores que influyen en el coste<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab1868 elementor-widget elementor-widget-text-editor\" data-id=\"2ab1868\" 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 data-start=\"2892\" data-end=\"2935\">El coste del factoring var\u00eda en funci\u00f3n de:<\/p><ul data-start=\"2937\" data-end=\"3217\"><li data-start=\"2937\" data-end=\"2981\"><p data-start=\"2939\" data-end=\"2981\"><strong data-start=\"2939\" data-end=\"2960\">Importe y volumen<\/strong> de facturas cedidas.<\/p><\/li><li data-start=\"2982\" data-end=\"3009\"><p data-start=\"2984\" data-end=\"3009\"><strong data-start=\"2984\" data-end=\"3008\">Plazo medio de cobro<\/strong>.<\/p><\/li><li data-start=\"3010\" data-end=\"3062\"><p data-start=\"3012\" data-end=\"3062\"><strong data-start=\"3012\" data-end=\"3036\">Solvencia del deudor<\/strong> (cliente que debe pagar).<\/p><\/li><li data-start=\"3063\" data-end=\"3106\"><p data-start=\"3065\" data-end=\"3106\">Tipo de factoring: <strong data-start=\"3084\" data-end=\"3105\">con o sin recurso<\/strong>.<\/p><\/li><li data-start=\"3107\" data-end=\"3153\"><p data-start=\"3109\" data-end=\"3153\"><strong data-start=\"3109\" data-end=\"3128\">Nivel de riesgo<\/strong> que asume la financiera.<\/p><\/li><li data-start=\"3154\" data-end=\"3217\"><p data-start=\"3156\" data-end=\"3217\">Servicios incluidos (seguros, recobro, an\u00e1lisis de cartera\u2026).<\/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-a0620df elementor-widget elementor-widget-text-editor\" data-id=\"a0620df\" 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 data-start=\"3219\" data-end=\"3348\">\ud83d\udca1 <em data-start=\"3222\" data-end=\"3348\">Cuanto mayor sea la calidad crediticia de tus clientes y m\u00e1s volumen de facturas cedas, mejores condiciones podr\u00e1s negociar.<\/em><\/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-16c9b47 elementor-widget elementor-widget-spacer\" data-id=\"16c9b47\" 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-a6d1ca9 elementor-widget elementor-widget-heading\" data-id=\"a6d1ca9\" 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 tener en cuenta antes de contratar factoring?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-295f639 elementor-widget elementor-widget-text-editor\" data-id=\"295f639\" 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 data-start=\"3410\" data-end=\"3528\"><p data-start=\"3413\" data-end=\"3528\"><strong data-start=\"3413\" data-end=\"3440\">Transparencia de costes<\/strong>: Aseg\u00farate de conocer todos los conceptos que te van a cobrar. Solicita una simulaci\u00f3n.<\/p><\/li><li data-start=\"3529\" data-end=\"3620\"><p data-start=\"3532\" data-end=\"3620\"><strong data-start=\"3532\" data-end=\"3552\">Comparar ofertas<\/strong>: Las comisiones pueden variar bastante entre entidades financieras.<\/p><\/li><li data-start=\"3621\" data-end=\"3718\"><p data-start=\"3624\" data-end=\"3718\"><strong data-start=\"3624\" data-end=\"3645\">Atenci\u00f3n al plazo<\/strong>: Un factoring con cobros a 30 d\u00edas no cuesta lo mismo que uno a 90 d\u00edas.<\/p><\/li><li data-start=\"3719\" data-end=\"3828\"><p data-start=\"3722\" data-end=\"3828\"><strong data-start=\"3722\" data-end=\"3750\">Condiciones del contrato<\/strong>: Lee con atenci\u00f3n si hay permanencia, l\u00edmites de riesgo o comisiones ocultas.<\/p><\/li><li data-start=\"3829\" data-end=\"3964\"><p data-start=\"3832\" data-end=\"3964\"><strong data-start=\"3832\" data-end=\"3852\">Servicio a\u00f1adido<\/strong>: Algunas financieras incluyen an\u00e1lisis de clientes o recobro legal, lo cual puede justificar un coste superior.<\/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-f4bb753 elementor-widget elementor-widget-spacer\" data-id=\"f4bb753\" 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-00fb38d elementor-widget elementor-widget-heading\" data-id=\"00fb38d\" 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\">\u00bfCu\u00e1ndo compensa el coste del factoring?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbf4491 elementor-widget elementor-widget-text-editor\" data-id=\"fbf4491\" 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 data-start=\"4028\" data-end=\"4070\">El factoring es especialmente \u00fatil cuando:<\/p><ul data-start=\"4072\" data-end=\"4228\"><li data-start=\"4072\" data-end=\"4123\"><p data-start=\"4074\" data-end=\"4123\">Tu empresa crece r\u00e1pidamente y necesita liquidez.<\/p><\/li><li data-start=\"4124\" data-end=\"4184\"><p data-start=\"4126\" data-end=\"4184\">Tienes clientes solventes, pero con plazos de pago largos.<\/p><\/li><li data-start=\"4185\" data-end=\"4228\"><p data-start=\"4187\" data-end=\"4228\">Quieres externalizar el riesgo de impago.<\/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-71deec4 elementor-widget elementor-widget-text-editor\" data-id=\"71deec4\" 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>Aunque tiene un coste, el factoring puede ser m\u00e1s rentable que esperar 90 d\u00edas para cobrar o recurrir a financiaci\u00f3n bancaria con garant\u00edas. La clave est\u00e1 en calcular bien el coste efectivo y compararlo con los beneficios que aporta.<\/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-5c655d5 e-flex e-con-boxed e-con e-child\" data-id=\"5c655d5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61ced03 e-con-full e-flex e-con e-child\" data-id=\"61ced03\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c05ed7f e-flex e-con-boxed e-con e-child\" data-id=\"c05ed7f\" 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-3cb75d3 elementor-widget elementor-widget-heading\" data-id=\"3cb75d3\" 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-1370bfd elementor-widget elementor-widget-heading\" data-id=\"1370bfd\" 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-aa7b630 elementor-widget elementor-widget-text-editor\" data-id=\"aa7b630\" 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-60ac2fb elementor-widget elementor-widget-button\" data-id=\"60ac2fb\" 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-45a8271 e-con-full e-flex e-con e-child\" data-id=\"45a8271\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fdcb07 elementor-widget elementor-widget-image\" data-id=\"1fdcb07\" 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\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/elementor\/thumbs\/reducir-WACC-qxc6iwja37bz4b5ythy3u8moxeu5l81fee3mww63p4.jpg\" title=\"Reducir WACC\" alt=\"Estrategias para reducir el WACC\" loading=\"lazy\" \/>\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\t\t<div class=\"elementor-element elementor-element-f3a6c61 elementor-widget elementor-widget-spacer\" data-id=\"f3a6c61\" 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-a4e05a5 elementor-widget elementor-widget-heading\" data-id=\"a4e05a5\" 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-faacf66 e-flex e-con-boxed e-con e-child\" data-id=\"faacf66\" 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-1dfc711 elementor-widget elementor-widget-heading\" data-id=\"1dfc711\" 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\u00e1l es el coste medio del factoring?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4489f elementor-widget elementor-widget-text-editor\" data-id=\"1f4489f\" 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 data-pm-slice=\"1 1 []\">El coste total suele oscilar entre un 2% y un 7% del importe de la factura, dependiendo del plazo de cobro, el riesgo del deudor y los servicios incluidos.<\/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-bf5de6d e-flex e-con-boxed e-con e-child\" data-id=\"bf5de6d\" 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-ee9beb3 elementor-widget elementor-widget-heading\" data-id=\"ee9beb3\" 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\">\u00bfEl factoring tiene costes ocultos?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7564644 elementor-widget elementor-widget-text-editor\" data-id=\"7564644\" 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 data-pm-slice=\"1 1 []\">Puede haber costes adicionales como comisiones de apertura, gesti\u00f3n de impagos o seguros de insolvencia. Es importante pedir una simulaci\u00f3n completa y transparente.<\/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-1267037 e-flex e-con-boxed e-con e-child\" data-id=\"1267037\" 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-5ec6e92 elementor-widget elementor-widget-heading\" data-id=\"5ec6e92\" 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\">\u00bfEl factoring es m\u00e1s caro que un pr\u00e9stamo bancario?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba67ebe elementor-widget elementor-widget-text-editor\" data-id=\"ba67ebe\" 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 data-pm-slice=\"1 1 []\">Depende del tipo de factoring y de la operaci\u00f3n concreta. Aunque puede tener un coste algo superior, no requiere garant\u00edas personales ni endeuda a la empresa, lo que lo hace m\u00e1s flexible.<\/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-7de8e92 e-flex e-con-boxed e-con e-child\" data-id=\"7de8e92\" 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-9386e37 elementor-widget elementor-widget-heading\" data-id=\"9386e37\" 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\"> \u00bfEl coste es el mismo para aut\u00f3nomos y pymes?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d30e5a7 elementor-widget elementor-widget-text-editor\" data-id=\"d30e5a7\" 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 data-pm-slice=\"1 1 []\">No necesariamente. Las condiciones var\u00edan seg\u00fan el volumen de facturas, el perfil del cliente y la entidad financiera. Las pymes con m\u00e1s facturaci\u00f3n suelen obtener mejores condiciones.<\/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-361a3c3 e-flex e-con-boxed e-con e-child\" data-id=\"361a3c3\" 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-b07af2f elementor-widget elementor-widget-heading\" data-id=\"b07af2f\" 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 negociar el coste del factoring?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ea4bf1 elementor-widget elementor-widget-text-editor\" data-id=\"0ea4bf1\" 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 data-pm-slice=\"1 1 []\">S\u00ed. Especialmente si tienes un volumen alto de facturas o clientes con buena calificaci\u00f3n crediticia, puedes negociar mejores comisiones e intereses.<\/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<div class=\"elementor-element elementor-element-5d62ede elementor-widget elementor-widget-spacer\" data-id=\"5d62ede\" 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-bba3997 elementor-widget elementor-widget-heading\" data-id=\"bba3997\" 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 class=\"elementor-element elementor-element-ccd5135 elementor-widget elementor-widget-katen-post-five\" data-id=\"ccd5135\" 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\/forfaiting-financiacion-para-empresas\/\"><img decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/02\/forfaiting-financiacion-empresas-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"\u00bfQu\u00e9 es el forfaiting y c\u00f3mo funciona?\" \/><\/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\/forfaiting-financiacion-para-empresas\/\">\u00bfQu\u00e9 es el forfaiting? Financiaci\u00f3n para exportadores sin riesgo<\/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 forfaiting y c\u00f3mo funciona? El forfaiting es una forma de financiamiento internacional&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\/conseguir-financiacion-para-nueva-empresa\/\"><img decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/03\/Financiacion-para-tu-nueva-empresa-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Financiaci\u00f3n para tu nueva empresa\" \/><\/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\/conseguir-financiacion-para-nueva-empresa\/\">C\u00f3mo conseguir financiaci\u00f3n para tu empresa: alternativas efectivas y seguras<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tFactoring y su impacto en la liquidez de startups: \u00bfSoluci\u00f3n o trampa? Lanzar una nueva&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\/financiacion-alternativa-como-mejorar-el-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\/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\/financiacion-alternativa-como-mejorar-el-flujo-de-caja\/\">C\u00f3mo mejorar el flujo de caja 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 el alma de cualquier negocio. Mantenerlo sano es crucial para&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\/ventajas-y-desventajas-del-factoring-o-financiacion-de-facturas-para-empresas\/\"><img loading=\"lazy\" decoding=\"async\" width=\"330\" height=\"250\" src=\"https:\/\/finanedi.es\/blog\/contenido\/uploads\/2025\/05\/Ventajas-y-desventajas-del-factoring-o-financiacion-de-facturas-para-empresas-330x250.jpg\" class=\"attachment-katen-thumb-list size-katen-thumb-list wp-post-image\" alt=\"Ventajas y desventajas del factoring o financiaci\u00f3n de facturas para empresas\" \/><\/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\/ventajas-y-desventajas-del-factoring-o-financiacion-de-facturas-para-empresas\/\">Ventajas y desventajas del factoring o financiaci\u00f3n de facturas para empresas<\/a><\/h5>\n\t\t\t\t\t\t\t<p class=\"excerpt mb-0\">\n\t\t\t\t\t\t\t\tLa financiaci\u00f3n de facturas, tambi\u00e9n conocida como factoring, se ha convertido en una soluci\u00f3n cada&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<div class=\"elementor-element elementor-element-cf453a8 e-con-full e-flex e-con e-child\" data-id=\"cf453a8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67bfa24 elementor-widget elementor-widget-html\" data-id=\"67bfa24\" 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\/2025\/06\/Guia-factoring.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:\/\/www.bravocapital.es\/guia-factoring', '_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-747fda1 elementor-widget elementor-widget-html\" data-id=\"747fda1\" 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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El factoring es una de las soluciones m\u00e1s eficaces para mejorar la liquidez de una empresa, pero antes de contratar este servicio es clave entender bien su coste real. \u00bfCu\u00e1nto cobra una entidad financiera por anticipar tus facturas? \u00bfQu\u00e9 factores influyen en el precio final?<\/p>\n","protected":false},"author":3,"featured_media":5603,"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-10941","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>Coste del factoring: c\u00f3mo se calcula y qu\u00e9 tener en cuenta<\/title>\n<meta name=\"description\" content=\"Descubre c\u00f3mo se calcula el coste del factoring, qu\u00e9 influye en el precio y c\u00f3mo elegir la mejor opci\u00f3n para tu empresa.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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