Portfolio purchase at discount from the seller, having previously insured its clients through a portfolio insurance policy. Therefore, it is a product without recourse against the seller.
This scheme allows optimizing national suppliers’ resources, by discounting sales invoices and/or bills of exchange, as a result of national credit sales or exports of goods and/or services.
- Access with three insurance companies
- Non-recourse discount
- It minimizes credit risk with clients
- It allows negotiating longer payment terms, quotas and sales
- Immediate liquidity
- Credit quotas with commercial banks are not affected
- No additional warranty required
- Maximum term up to 180 days
- Days in arrears are settled at the same discount rate (no moratorium rate is charged)
- Interest rate and access requirements according to market conditions