Receivables discounting

What it is

You sell your future receivables to the partner and get the money now, at a discount. It is not a loan: it is your own money brought forward.

It is the most recurring solution there is. It becomes a monthly routine, not a one-off deal. That is why the choice of partner and of the discount rate matters so much over the course of a year.

When it makes sense

• You sell on credit and buy in cash
• Most of your revenue arrives in 30, 60 or 90 days
• The discount charged by your current card acquirer has never been compared with the market

How it works

• Mapping the receivablesI look at volume, average term and the quality of the portfolio.
• Comparing discount ratesI put the partners to compete for the same batch.
• OnboardingRegistering the company on the chosen platform.
• Recurring useYou discount receivables whenever you need to, at the rate already negotiated.

What you will need

• List of receivables or statement from the card acquirer
• Revenue for the last 12 months
• CNPJ registration certificate (Brazilian company tax ID) and articles of association

The list can change with the institution and the size of the deal. I confirm what is actually required before you gather a single document.