The financing through factoring is a competitive alternative to other financial alternatives, as detailed by Juan Carlos Zurek, director of Global Factoring. Therefore, for the next Christmas campaign and end of the year parties, they will carry out a placement that would exceed the 30 million soles.
“In the current scenario, the best alternative for SMEs in reduce your operating costs and raising your profitability is with a lower financial cost. Therefore, factoring is the best financing alternative. Furthermore, their rates have not been affected at this juncture, ”said Juan Carlos Zurek.
On the other hand, he stated that the factoring interest rate is located from 16% annual, which is much less than that charged to a micro, small and medium-sized company if they resort to traditional credit.
The SBS indicated that the average rate that banks charge to corporate companies or large companies is 2.32%. On the other hand, for medium and small companies it is 8.10% and 18.69%, while for micro companies it is 31.76%.
The end of the year parties They are the period of highest consumption and expenses that begin in August and that end up representing a fifth of the annual turnover of small and medium-sized companies (SMEs), according to Zurek.
However, for the difficulties facedUnlike other years due to the devaluation of the dollar, the container crisis and other international problems, the final products will have greater value.
An advantage for this year would be favorable for SMEs, since, in this campaign, the malls will have an open capacity of 100%. The applications for delivery have been strengthened and digital payments will contribute to commerce, which has grown by more than 400% since the middle of the previous year.
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