Herramientas que les permitirán a las empresas cumplir con el pago de primas sin afectar su flujo de caja Colombian companies are facing challenges in meeting year-end financial obligations, such as service premiums and bonuses, due to liquidity issues and increased operational costs. To address this, flexible financing methods like factoring and confirming have become popular alternatives to traditional loans. These options provide immediate liquidity without incurring debt, boosting operational stability and growth.

• Colombian companies need financial mechanisms to cover year-end obligations like service premiums and bonuses without impacting cash flow.
• Lack of liquidity, delayed client payments, and increased operational costs hinder many companies, especially SMEs, from meeting these obligations.
• Factoring and confirming are gaining popularity as flexible financing options that provide immediate liquidity without incurring debt.
• There was a 44% increase in factoring, confirming, and working capital requests on KLYM’s platform in November 2024 compared to the previous year.
• Manufacturing, wholesale trade, and construction are key industries seeking these financing solutions due to high year-end turnover and longer payment terms.
• Factoring provides liquidity through accounts receivable, offering agile and flexible resource acquisition without affecting bank credit lines.
• Confirming helps paying companies extend payment terms to suppliers, maintaining centralized cash flow.
• Working capital financing is suitable for accessing liquidity on future invoicing for specific operations or projects.
• Fintechs are projected to finance over $7 trillion in factoring and confirming operations in Colombia during 2025, a 20% increase from 2024.