Promissory note discount
We only need a copy of the promissory note and the bill. You can fill out the following form, or if it is more comfortable for you, you can send it by WhatsApp
No commitment needed. Within two hours we will give you an answer with no commitment on your side. Once we give the approval, we will ask for the necessary data to elaborate the contract and we will send it to you as soon as possible.
As soon as we receive the signed contract and the promissory note endorsed, you will receive an immediate transfer.
Promissory note discount features
This service is characterized by its speed and efficiency.
Each operation is unique and you can discount as many times as your business needs it.
✔ Without signing policies or going through the Notary.
✔ We do not apply withholding.
✔ You have an unlimited amount according to the rating of your client.
✔ The discounted amounts do not count in CIRBE’s banking risk.
✔ Rates adjusted to the expiration date and the risk of the drawee.
✔ Our risk analysis allows you to know the rating of your clients and avoid defaults.
✔ We offer the service of insuring your credits to protect your business even better.
At Workcapital we help you manage your company’s working capital through the Discount of Promissory Notes to Order, Promissory Notes Not to Order and Domiciled Payments.
The Discount of Promissory Notes is a financial service that allows the beneficiary to anticipate the collection, without having to wait until the due date, obtaining immediate liquidity.
In Workcapital you will find a team of professionals who will advise you and assess your study quickly, closely and transparently. Find out without any kind of commitment.
Discover our portfolio of financial products:
- Get your invoice advance with Workcapital
- Financing services for companies at Workcapital
At Workcapital we solve your doubts about the Discount of Promissory Notes
What is a promissory note?
What types of promissory notes are there?
- Promissory notes : May be endorsed. It greatly facilitates the use of the promissory note to be able to obtain financing before the stipulated collection date, gaining liquidity. Notification of its transfer is not mandatory, transmitting security and faster payment
- Nominal Notes : They are similar to the previous ones, but without a clause to the order, although they can be endorsed to a third
- Not to order Notes : It may not be assigned to a third party by endorsement. The way to transfer it will be through a credit assignment. The assignment of a promissory note not to order must be communicated to the company that issued it in a reliable manner. They have a tax advantage since they are not obliged to pay for the Tax on Documented Legal Acts so, being free of stamps, there is a cost saving.
What is a Domiciled Payment?
A Domiciled Payment is a payment document through which the issuer communicates that it will make the payment of a fixed amount, on a certain date, on behalf of a third party.
As it is not an executive title, the guarantees for the beneficiary are much smaller than in other types of documents such as promissory notes or bills of exchange.
Payment will be made from the date indicated in the document for payment. The Credit Institution is only obliged to make the payment as long as it has not received an express order not to pay and there is sufficient availability in the paying customer’s account. Therefore, it is not a document guaranteed by the Credit Institution that issues it, however, financial entities do not issue these payments to any company, we will normally receive them from companies (by order of these to your bank) of certain solvency. The debit account of the paying customer must always be indicated.
As they are not standardized documents, they are not transferable by endorsement, so a credit assignment must be carried out with reliable notification to the debtor with the same requirements as promissory notes not to order.
What is the difference between a promissory note and a direct debit payment?
The main difference is that, with direct debit payments, the creditor is the one who initiates the collection operation.
In addition, a direct debit receipt has less legal weight than the promissory note, since the latter is signed by both parties, thus forcing the debtor to comply.
Who intervenes in the Discount of Promissory Notes?
ISSUER: Also called DUEBOR or DEBTOR
Company or self-employed worker that implements payments for merchandise received or contracted services through the issuance of a promissory note in favor of its supplier.
BENEFICIARY: RECEIVER and ASSIGNOR of the Promissory Note
Company or self-employed worker that receives the commitment to pay at a future date from its client, for the goods delivered or services rendered.
FINANCIAL ENTITY
Company that advances the amount of the promissory note to the beneficiary, acquiring the rights to collect the promissory note. The assignor collects the promissory note before the due date, assuming interest on its advance.
What is the non-recourse promissory note discount?
What are the costs of negotiating a promissory note?
The interest to be applied in the discount of promissory notes depends on the term of the operation until maturity and the credit quality of the debtor. The transmission of the promissory notes to the order implies the payment of the Tax on Documented Legal Acts (IAJD), more commonly known as stamps . Its value varies depending on the face of the note.
Enter the Nominal Note to calculate the amount of Stamps :
(*) Direct debit payments and promissory notes not made to order are not subject to stamping.
What information is requested to prepare a discount contract?
- – Tax Identification Code (CIF)
- – Deed of Incorporation
- – Deed of powers of the representative of the company
- – ID of the representative
- – Certificate of ownership of the bank account
![]() | Quick Response in 2h. Immediate payment |
![]() | Simple Formalization without signing policies, or going through a notary's office |
![]() | Study without commitment Valuation without any cost |
![]() | Transparent We do not apply withholdings or additional commissions to the study price |
![]() | Economic Rates adjusted to the expiration date and credit quality of the debtor |
![]() | Without CIRBE The discounted amounts do not count in CIRBE's banking risk |
![]() | Unlimited provision Debtor classification, we do not analyze the client |
![]() | Portfolio knowledge Know the profile of your clients and avoid unpaid |
Send Your Promissory Note Here
|
On-line Promissory Notes Discount
Take a photo of the promissory note with your phone and sent it to us here.It’s that easy!
We are closer to you. We reply immediately providing a personalized service
Service Vocation
Our priority is to satisfy our client’s financial needs, always giving our best service. We are an independent financial company. Our values are non-negotiable: speed, proximity, efficiency and trust.
Promissory Note Discount
This service is characterised by its speed and efficiency, without the requirement of a notary, insurance policy, withholding amounts or CIRBE’s added risk.
Bill Advance
This service, known as “FACTORING”, allows your business to have liquidity when it’s needed the most. Through this service you can transform your credit sales into cash sales.
Financing of Companies
* Short-term and long-term loans
* Guarantees to the public administration
* Non-payment debts
* Equipment renting
* Working capital loan

Total transparency
We leave at your disposal our most important asset, our human resources team. Do not hesitate to contact us by phone by calling +34 960 50 20 24, we will be pleased to help you and solve your doubts.