Confirming
Is it for me?
How does it work?
Under what conditions?
Anything else?
Simplify payments to your suppliers
Through online banking, you will have full control over all transactions, with real-time information on the status of your various payments.
In addition, you will save time and effort and improve your image with your suppliers by providing them with quick and easy access to the financing of their receivables. Abanca offers all your suppliers different channels for the advance payment of their invoices, so they can stay informed and advance their payments 24 hours a day, 365 days a year, from anywhere in the world.
Different solutions for different businesses
We offer different types of Confirming so we can find the optimal solution, depending on the size and industry of your business. You can even increase your income and expand your margins,
Early Payment Confirming
In addition to traditional Confirming, we offer you the Early Payment Confirming option, the issuance of Direct Debit Payments and/or Current Account Promissory Notes, allowing you and your suppliers to enjoy all the advantages and benefits of our service.
Advance Payment for Suppliers
The advance payment service gives your suppliers an advantage because you trust us: with ABANCA's advance payment, any of your suppliers can obtain immediate financing, without any prior assessment.
A supplier does not need to be an ABANCA customer to benefit from this product. They can complete the procedures to advance payments via email, phone, fax, and through the website (in this case, 24 hours a day, 365 days a year).
Non-recourse advances
The advances benefit from full risk coverage, allowing the supplier to remove the outstanding receivables from their balance sheet and thus increase their cash account. In addition, it does not increase your supplier's bank risk (it is not reflected in the CIRBE).
Partial Advances
Your suppliers will be able to contract the automatic global advance, which allows for immediate financing of each order, and they will have the option to make partial advances, without the need to advance the entire payment or invoice.
How do I request an advance?
If you work with one of our clients who uses our confirming service, you can request a payment advance from your business online banking.
Do you have questions? We have answers
Questions
El confirming es un servicio financiero que ABANCA ofrece sus clientes empresa. Mediante este servicio, ABANCA se encarga de gestionar los pagos aplazados a sus proveedores de bienes y servicios. Éstos recibirán con anticipación al pago una comunicación del banco ofreciéndole dos opciones:
- Que el Banco les anticipe dicho cobro, en unas condiciones financieras determinadas. Dicho anticipo conlleva la cobertura ante el riesgo de insolvencía, con lo que los proveedores aseguran el cobro.
- No anticiparlo, y esperar a vencimiento, en cuyo caso les será abonado, mediante transferencia o cheque. En este supuesto, el Banco no garantiza la solvencia de la empresa llegada dicha fecha, ni que por tanto el pago se vaya a efectuar.