Recover unpaid invoices:
total prevention with 100% insurance
Your clients pay at 30, 60 or 90 days. You collect in 24 hours. No debt on your balance sheet, no credit register impact, no guarantees and no bank dependency. External financing that frees your cash flow and scales with you.
Request demo →The real cost of chasing collections and assuming B2B defaults
Traditional trade credit works like this: every time you sell on terms, you're advancing money to your client from your own cash flow. And to sustain that, you depend on a system that can fail you exactly when you need it most.
The bank credit line trap
Every year, your CFO spends weeks negotiating credit line renewals. The bank can cut the limit, raise the cost or simply not renew, especially if your sector is struggling or their risk policy has changed. And if that happens, who finances your clients?
CIRBE: el techo invisible
Every credit facility, every factoring line, every confirming consumes credit register capacity. The more you use, the harder it is to access new financing. A vicious cycle: you need credit to grow, but the more you grow, the more saturated your bank capacity becomes.
Guarantees: your assets at stake
Many credit facilities require personal guarantees from the business owner or company assets: warehouses, property, fixed assets. If the company faces difficulties, those assets are liable. You don't just risk your own money — you can lose the assets you need to operate.
The real cost exceeds the visible
Interest + origination fees + non-use fees + credit insurance + collections staff + uncovered defaults. Market data shows the total cost of sustaining traditional trade credit ranges between 1.5% and 3.5% of your credit sales.
Total protection: always collect, even if your client doesn't pay
FutureBNPL insures every invoice at 100% at the moment of approval. If the buyer is late, we activate smart collection with automatic retries. If they don't pay, progressive recovery with legal capacity and asset seizure — and you still collect, without waiting months for the claim.
Your client buys on terms
Chooses to pay at 30, 60 or 90 days in your checkout, ERP or usual sales process. Scoring approves the transaction in seconds and credit insurance is activated.
You collect the next day
The day after approval, you receive the full invoice amount in your bank account. No waiting 30, 60 or 90 days. Your collection period drops from weeks to hours.
Your balance stays clean
If the buyer doesn't pay, it's not your problem. The financing creates no debt on your balance sheet, doesn't consume credit register capacity and doesn't affect your future financing ability.
What changes when your invoices are 100% insured
Improve your company's valuation
A healthy and predictable cash flow directly increases your company's value. Companies that optimise their cash cycle have reported valuation improvements of up to 18%. Investors and potential buyers value cash flow quality above almost any other metric.
Scale without a bank ceiling
With traditional financing, your growth is limited by the size of your credit facility. If you sell more than your credit line can finance, you stall. With FutureBNPL, limits grow with you. More sales volume = more financing capacity, not less.
Free your credit register for what matters
By not consuming credit register capacity with trade financing, your bank capacity stays free for strategic investments: asset purchases, expansion, acquisitions. The credit register stops being a bottleneck and becomes a resource you control.
Independence from the bank calendar
No hay renovaciones anuales, no hay end-of-year surprises, no hay renegociaciones con worse terms. Financing is available transaction by transaction, 24 hours, every day. Tu crecimiento doesn't depend on a risk committee's decision, but on the health de tu cartera de clientes.
The human cost nobody quantifies
It's not just the CFO. When a client is late, the sales team wastes time mediating, admin chases payments, accounting reconciles manually and management handles cash flow tension. Externalising financing and collections frees the entire organisation, not just the finance department. That saving in hours, stress and wear is measured in euros.
A company with €10M in credit sales at 60 days has, on average, over €1.6M tied up in accounts receivable. With 24h financing, that capital is freed and available the day after each sale. That's €1.6 million you can reinvest in stock, expansion, marketing or simply keep as a buffer. And your effective collection time goes from 60 days to 1.
Digital trade credit vs traditional banking model
About instant financing
Want to stop chasing collections for good?
Request a demo and discover how 24h financing transforms your cash flow.
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