workcapital
Discover alternative financing
En workcapital We help you manage your company's working capital through the discount of:
  • promissory notes to order
  • promissory notes not to order
  • Direct debit payments
Financial service

promissory note discount

We are an independent financial entity whose priority is to satisfy the financial needs of our clients, always giving the best service.

Our values ​​are non-negotiable:

Discount in 3 easy steps

01. Sending promissory note and/or invoice

Contact us through form o Whatsapp.

02. study without commitment

We will reply to you within a maximum period of 2 hours.

03. Receive your money

We issue immediate payment as soon as you send the signed contract and the endorsed promissory note.

Fast

Response in 2h.
Immediate payment.

Simple

Formalization without signing policies or going through a notary.

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 maturity term and credit quality of the debtor.

without CIRBE

The discounted amounts are not included in the CIRBE banking risk.

unlimited layout

Debtor classification, we do not analyze the client.

Portfolio Knowledge

Know the profile of your clients and avoid unpaid debts.

Online promissory note discount

At the reach of your hand

From your mobile, take a photo of the promissory note and send it to us via WhatsApp.

That easy!

Closer to you, we serve you immediately and personally.

Or send it to us through our FORM.

En workcapital we solve your doubts about the promissory note discount

Our promissory note discount and invoice advance services are aimed at all types of companies, self-employed, community property, cooperative societies, etc. So, do not hesitate to contact us if you have a promissory note to discount or an invoice to anticipate.

Very easy! The first option is to fill out the form that you will find on the web in the ''About Us''. The second is by directly contacting our specialized agents by phone 960 50 20 24.

It is tremendously simple! We only need the copy of the promissory note and the invoice. We study the operation without obligation and in a maximum of 2 hours you will have your answer. With the approval of this we will request the necessary data to carry out the contract. As soon as we receive the signed contract and the endorsed promissory note, the transfer will arrive.

Of course! At Workcapital we are experts in analyzing operations in record time. We know that the lack of liquidity is a big problem in the treasury management of your company, therefore, our maxim is to notify you in less than 2 hours of the result of our analysis with the objective that you find the solution as soon as possible.

We focus on analyzing the credit quality of the debtor, the waiting period until maturity and the face value of the operation and, based on these, we set a price for the operation.

As we have already mentioned, our biggest advantage is speed. The approved operations are usually paid on the same day, that is, without waiting several days that worsen your treasury situation.

It is a promissory note whose payment will be into account. It could be collected at the window as long as the beneficiary of this has an account in the entity from which it is issued. The crossed promissory note is identified because on the front it has two parallel lines that cross the promissory note. There are two types of crossover promissory notes:

  • General crossed: No bank entity is specified between the bars, so we can collect it in any.
  • Special crossover: Payment to a specific entity is conditioned. Its name appears between the lines.

To correctly guarantee a promissory note, we must put on the back "by guarantee of", in order to state that the payment is guaranteed by one or more people. In addition, we must put our full name, the address where we live and the date on which we made the guarantee. Then we will have to sign and we will have it correctly endorsed.

Promissory notes to order can be endorsed as many times as required. To cancel an endorsement correctly, we will only have to cross it out and then put the "this endorsement is canceled for the purposes of the art 19 of the LCCH”. Then the same endorser must sign the new endorsement again.

Endorsing a promissory note means transmitting the promise to pay (that has been made to us) to a third party. We may endorse a promissory note as long as it contains the "word to order." To do this, on the back of the document we will put "Pay to" the name of the person or the name of the company to which we want to transmit the document, then we will put the name of our company, the Cif (if we have a stamp it is also valid) and our signature.

Workcapital is a leader in alternative financing services, our excellent professionals will guide you at all times, from the study to the granting of credit. You can convert your credit sales into cash payments in just an instant and without appearing in CIRBE. Call us without obligation and we will study your proposal in just 2 hours!

At Workcapital we are aware of the need to have liquidity as soon as possible, therefore, after signing the contract and once the appropriate verifications have been carried out, we pay the money instantly.

Workcapital SA In November of last year, he presented his Sustainability Report 2022, which is a reflection of our continued commitment to corporate social responsibility, highlighting key milestones in our journey towards sustainability.

Send us your promissory note or invoice

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