{"id":6412,"date":"2025-05-12T08:06:16","date_gmt":"2025-05-12T06:06:16","guid":{"rendered":"https:\/\/transcash.eu\/?p=6412"},"modified":"2025-05-12T08:06:17","modified_gmt":"2025-05-12T06:06:17","slug":"ce-este-factoringul-si-cat-costa","status":"publish","type":"post","link":"https:\/\/transcash.eu\/ro\/blog\/factoring-2\/ce-este-factoringul-si-cat-costa\/","title":{"rendered":"Ce este factoringul \u0219i c\u00e2t cost\u0103?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Factoringul este un serviciu financiar simplu \u0219i flexibil care \u00ee\u021bi permite s\u0103 transformi rapid facturile cu termene lungi de plat\u0103 \u00een lichidit\u0103\u021bi. Odat\u0103 ce ai trimis o factur\u0103 pentru finan\u021bare, po\u021bi primi banii \u00een 48 de ore de la acceptarea ofertei. Dar cum func\u021bioneaz\u0103 \u0219i de ce merit\u0103 s\u0103 \u00eel iei \u00een considerare pentru afacerea ta?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factoringul poate fi utilizat de orice companie care emite facturi cu termene lungi de plat\u0103. \u00cen multe industrii \u2013 \u00een special \u00een transporturi \u0219i expedi\u021bii \u2013 se obi\u0219nuie\u0219te ca plata s\u0103 se fac\u0103 \u00een 60 sau chiar 90 de zile. Pl\u0103\u021bile neregulate \u0219i toleran\u021ba ridicat\u0103 fa\u021b\u0103 de \u00eent\u00e2rzieri expun multe companii riscului de insolven\u021b\u0103 sau faliment, deoarece acestea nu \u00ee\u0219i pot achita la timp obliga\u021biile financiare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factoringul previne aceast\u0103 situa\u021bie, oferindu-\u021bi acces rapid la banii din facturi. Un acord cu societatea de factoring permite clientului s\u0103 primeasc\u0103 plata \u00een schimbul transferului dreptului asupra crean\u021belor sale. Procesul de transfer al dreptului asupra unei facturi se nume\u0219te cesiune de crean\u021be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Astfel, prin cesiunea de crean\u021be, compania de factoring \u00ee\u021bi pl\u0103te\u0219te \u00een avans valoarea facturii, urm\u00e2nd s\u0103 recupereze suma de la clientul t\u0103u. Este esen\u021bial ca factura s\u0103 nu fie deja scadent\u0103 c\u00e2nd o trimi\u021bi spre finan\u021bare. \u00cen cazul \u00een care un pl\u0103titor nu reu\u0219e\u0219te s\u0103 pl\u0103teasc\u0103 o factur\u0103 la timp r\u0103m\u00e2ne op\u021biunea de recuperare prin colectare de crean\u021be \u2013 care este unul dintre elementele serviciului de factoring la Transcash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tipuri de factoring \u0219i costuri<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Costul de baz\u0103 al factoringului este comisionul evaluat \u00een func\u021bie de valoarea facturii. \u00cen Rom\u00e2nia comisioanele pentru factoring pornesc de obicei de la aproximativ 3% &#8211; la Transcash pornim de la 2,99%. Pre\u021bul factoringului depinde de tipul de serviciu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Transcash ofer\u0103 dou\u0103 servicii principale:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Microfactoring<\/strong> \u2013 finan\u021bare pentru o singur\u0103 factur\u0103, \u00een limita a 20.000 EUR<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00cemprumut<\/strong> \u2013 solu\u021bie alternativ\u0103 atunci c\u00e2nd nu se poate cesiona factura; prime\u0219ti un \u00eemprumut pentru suma facturii, pe care \u00eel\u00a0 rambursezi la scaden\u021b\u0103. Comisionul \u00eencepe de la 6,89%, iar limita maxim\u0103 este de 15.000 EUR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Majoritatea companiilor de factoring permit finan\u021barea facturilor \u00een RON \u0219i EUR, uneori \u0219i \u00een USD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factoringul poate necesita comisioane suplimentare, care pot diferi de la o societate la alta. Taxele pot include prelungirea limitei de finan\u021bare, colectarea datoriilor sau asigurarea. Toate comisioanele ar trebui s\u0103 fie enumerate \u00een termenii \u0219i condi\u021biile acordului cu o societate de factoring. Nu uita\u021bi s\u0103 le verifica\u021bi \u00eenainte de a fi de acord s\u0103 semna\u021bi contractul.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>De ce merit\u0103 factoringul?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factoringul aduce beneficii imediate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lichidit\u0103\u021bi \u00eembun\u0103t\u0103\u021bite prin \u00eencas\u0103ri regulate \u00een contul t\u0103u<\/li>\n\n\n\n<li>Acces constant \u0219i rapid la numerar;<\/li>\n\n\n\n<li>Nu ai nevoie de garan\u021bii sau \u00eemprumuturi bancare<\/li>\n\n\n\n<li>Nu e\u0219ti afectat de fluctua\u021biile dob\u00e2nzilor bancare<\/li>\n\n\n\n<li>\u00ce\u021bi disciplinezi clien\u021bii care pl\u0103tesc cu \u00eent\u00e2rziere<\/li>\n\n\n\n<li>Po\u021bi accepta mai multe comenzi \u0219i atrage noi parteneri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Factoringul \u00ee\u021bi permite s\u0103 recuperezi rapid banii din facturile tale \u0219i reduce riscul de \u00eent\u00e2rziere a pl\u0103\u021bilor, care are un impact direct asupra lichidit\u0103\u021bilor. Serviciul poate fi utilizat continuu sau ad hoc, finan\u021b\u00e2nd doar facturi individuale, \u00een func\u021bie de necesit\u0103\u021bi. Ceea ce este mai important, \u00eentregul proces de finan\u021bare are loc, de obicei, online, ceea ce reduce timpul \u0219i spore\u0219te confortul. Toate acestea plaseaz\u0103 factoringul \u00een fruntea celor mai populare servicii financiare pentru industria TSL.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Factoringul este un serviciu financiar simplu \u0219i flexibil care \u00ee\u021bi permite s\u0103 transformi rapid facturile cu termene lungi de plat\u0103 \u00een lichidit\u0103\u021bi. Odat\u0103 ce ai trimis o factur\u0103 pentru finan\u021bare, po\u021bi primi banii \u00een 48 de ore de la acceptarea ofertei. Dar cum func\u021bioneaz\u0103 \u0219i de ce merit\u0103 s\u0103 \u00eel iei \u00een considerare pentru afacerea [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6413,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[88],"tags":[],"class_list":["post-6412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-factoring-2"],"meta_box":{"file_61tel7zijht":[]},"_links":{"self":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts\/6412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/comments?post=6412"}],"version-history":[{"count":1,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts\/6412\/revisions"}],"predecessor-version":[{"id":6416,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts\/6412\/revisions\/6416"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/media\/6413"}],"wp:attachment":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/media?parent=6412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/categories?post=6412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/tags?post=6412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}