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El pagaré está considerado uno de los métodos de cobro más seguros y además, presentan como ventaja que pueden cobrarse de forma anticipada a través del servicio de descuento de pagarés.
El pagaré está considerado uno de los métodos de cobro más seguros y además, presentan como ventaja que pueden cobrarse de forma anticipada a través del servicio de descuento de pagarés.
Existen muchos tipos de pagarés pero para descontarlos hay que conocer estos dos tipos ya que determinarán cómo endosarlo:
• Pagaré a la orden: Si un pagaré es a la orden indica que se puede transmitir mediante endoso a un tercero, es decir, se podrá descontar sin ningún problema en cualquier entidad de financiación.
• Pagaré no a la orden: Si un pagaré es no a la orden indica que el titular de éste tiene la prohibición de endosar el pagaré a un tercero, sólo él puede ser el propietario. Aún así, se puede transmitir por cesión
ordinaria. Se le comunica al emisor por vía notarial pero él tiene el derecho a negarse. Si éste último no se opone, se da por entendido que el importe se pagará a una tercera llegada la fecha de vencimiento del pagaré.
El descuento de pagarés es un servicio que permite al beneficiario de un pagaré cobrarlo antes de la fecha de vencimiento y, en algunos casos, asegurarse el cobro del mismo. Este servicio, que ofrecen las entidades de financiación, permite al beneficiario conseguir liquidez al momento de forma rápida y sencilla.
Por su parte, las entidades de financiación anticiparan la totalidad del importe del pagaré excepto la comisión por la realización del servicio. Esta comisión puede variar dependiendo si acudimos a un banco o a una entidad de financiación.
La mayoría de los negocios normalmente esperan poder cobrar el pagaré sin tener que recurrir al descuento. Aun así, en las empresas surgen necesidades puntuales que obligan a solicitar ese descuento. Las empresas que normalmente recurren a este servicio son pequeñas y medianas empresas que necesitan conseguir dinero de forma rápida para que sus negocios puedan seguir creciendo.
El descuento de pagarés puede ser una buena opción para nuestra empresa en determinadas ocasiones. Hay diferentes ventajas de hacerlo:
• Flexibilidad: El servicio de descuento de pagarés permite al beneficiario descontar sólo aquellos documentos que crea necesarios. No requiere una línea de descuento express que te obligue a descontar todos tus documentos crediticios de golpe.
• Fuera impagos: Algunas entidades de financiación, asumen el riesgo de impago en caso de que el emisor no abone el importe llegada la fecha de vencimiento.
• Mejora de las ratios de balance: Con el descuento, se reduce el saldo de los clientes y disminuyen los plazos de cobro. Eso sí, si optáis por descontar vuestros pagarés a través de un banco, a la vez que mejora nuestra ratio de balance también aumenta nuestra deuda.
• Rapidez: Consigues financiación de forma inmediata, consiguiendo solucionar de forma rápida los problemas de liquidez.
Por ello y sabiendo esto sabemos que ahora entiendes mejor como funcionan los pagares en España para este 2021.
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