Financing business growth: alternative financing routes
In the business world, identifying which financing strategy is most appropriate is essential to boost your growth and increase the efficiency of your management. Obtaining short-term liquidity is often crucial to meeting challenges and optimizing cash management. Longer-term financing for companies is essential to take advantage of expansion opportunities and stabilize their permanent capital.
Contrary to popular belief, the need for financing is not necessarily a sign of problems in the business model, but rather a natural part of the growth process and therefore should be planned for.
The most common way to obtain financing is by going to banks. Banks offer a wide range of business financing solutions, whether short or long term. On the other hand, traditional bank financing can be expensive, slow and bureaucratic. It is in this context that FinTech emerges, usually with lighter structures, easier to use and, above all, faster, offering alternatives to traditional sources of bank financing. One of these alternatives is Daskapital, which helps companies finance their short-term operations by anticipating the payment of outstanding invoices and offering financing opportunities for transformative projects.
Growth and need for liquidity
As the saying goes, "it takes money to make money." Having resources is essential to attract new clients and invest in marketing strategies and human talent. As companies grow, they face new opportunities that require immediate investment and liquidity. Delays in receiving customers and delays in return on investments are common challenges. Therefore, it is essential to have access to different forms of financing, and here you can always consider Daskapital's crowdlending and crowdfactoring solutions.
Advantages of financing in Daskapital
Crowdfactoring allows companies to diversify their financing sources by anticipating the receipt of pending invoices. By discounting your invoices in Daskapital, your company obtains liquidity quickly, at controlled costs and without consuming its debt capacity with banking entities.
In turn, through crowdlending, asset investment projects can be financed quickly, easily, at controlled costs and also without depending on centralized bank credit records. Financing business growth is a constant challenge, but also an opportunity for ambitious companies to consolidate their position in the market. With Daskpital, companies can diversify their financing sources and quickly obtain liquidity to face growth challenges.
Learn more about enterprise financing solutions by clicking here.
Frequently Asked Questions
Invoice Advance is a crowdfactoring solution for short-term financing that allows companies to anticipate the payment of invoices receivable, obtaining immediate liquidity. Invoice Advance is managed by Daskapital España S.L., a subsidiary of Das Kapital Lda.
In the Invoice Advance collaborative financing model, companies publish the credits they hold on their customers on the Daskapital platform, and investors compete with each other to purchase, at a discount, part or all of the invoice. Through an auction process, they define the amount they wish to invest and the minimum return they require, and companies will be financed by the group of investors demanding the lowest interest rate.
On the invoice due date, the debtors (the company's customers) pay the credit, returning the capital invested to the investors. The profit comes from the difference between the amount invested in the invoice seller and the amount received from the invoice payer, which corresponds to the discount.
Crowdfactoring is a form of collaborative financing in which companies can receive advance payment for receivables owed by their customers through online platforms such as Daskapital.
In this model, investors purchase invoices (partially or in full) at a discount (which translates into a rate of return), advancing their value to companies. This allows companies to quickly obtain the financing they need, while investors earn a financial return by acquiring the right to receive payment of the invoice amount (partial or full) on the due date.
Invoice Advance offers advantages for both investors and companies.
For investors, it allows them to diversify their portfolio with short-term investments and above-average returns, choosing the invoices in which to invest (and the consequent level of risk and maturity) and the minimum rate of return they require, with security and transparency guaranteed by Daskapital, which analyses and verifies the solvency of the payers of the invoices provided by the assignors.
For companies, it guarantees immediate liquidity without resorting to banks, allowing them to finance themselves at even lower interest rates if they are assigning credits on companies with lower risk than themselves, as the associated risk, as perceived by the investor, is that of the invoice debtor.
It can be used by companies as a way to balance the risk level and maturities of their accounts receivable.
Each financing request or investment opportunity is subject to a rigorous risk analysis by Daskapital before being made available on the platform, based on:
- Accounting, financial and commercial data provided by the promoters of the companies;
- Credit information from Iberinform (Atradius Credit and Surety), such as ratios, information on incidents, legal proceedings and other independent data;
- Analytical and statistical models (credit score and limit);
- Document verification and, in some cases, verification of the accuracy of the information provided, among other procedures.
Daskapital requires real and personal guarantees and only publishes projects that meet the minimum criteria for risk and fair profitability. All this information is disclosed and made available in each financing request or investment opportunity.
If you need further clarification, don't hesitate to get in touch with us at support@daskapital.eu.
