Financial products for SMEs, sole traders, and large corporations

Our promissory note discounting and invoice advance services are aimed at all types of companies, sole traders, jointly owned property entities (comunidades de bienes), cooperative societies, etc. Therefore, do not hesitate to contact us if you have a promissory note to discount or an invoice to advance.

Very easy! The first option is to fill out the form you will find on the website under the "About Us" tab. The second is to contact our specialized agents directly by calling 960 50 20 24.

It is extremely simple! We only need a copy of the promissory note and the invoice. We assess the transaction with no obligation, and within a maximum of 2 hours, you will have your answer. Upon approval, we will request the necessary details to prepare the contract. As soon as we receive the signed contract and the endorsed promissory note, your transfer will be sent.

Absolutely! At Workcapital, we are experts in analyzing transactions in record time. We know that a lack of liquidity is a major problem in managing your company's cash flow, which is why our goal is to notify you of our analysis within 2 hours so you can find a solution as quickly as possible.

We focus on analyzing the debtor's credit quality, the time remaining until maturity, and the nominal value of the transaction. Based on these factors, we set a price for the transaction.

As we have already mentioned, our greatest advantage is speed. Approved transactions are usually paid out on the same day, meaning no multi-day waits that worsen your cash flow situation.

It is a promissory note that can only be settled into a bank account. It could be cashed over the counter provided the beneficiary has an account with the issuing entity. A crossed promissory note is identified by two parallel lines drawn across the front. There are two types of crossed promissory notes:

• General crossing: No banking entity is specified between the bars, so we can deposit it at any bank.
• Special crossing: Payment is restricted to a specific bank. The name of the bank appears between the lines.

To properly guarantee a promissory note, we must write "by guarantee of" (por aval de) on the back to state that the payment is guaranteed by one or more individuals. Additionally, we must include our full name, residential address, and the date the guarantee is provided. Finally, we sign it, and it will be properly guaranteed.

Promissory notes made "to order" can be endorsed as many times as required. To properly cancel an endorsement, you simply cross it out and write "this endorsement is cancelled for the purposes of Art. 19 of the LCCH" (Ley Cambiaria y del Cheque). The same endorser must then sign the new endorsement again.

Endorsing a promissory note means transferring the promise of payment (made to us) to a third party. We can endorse a promissory note as long as it contains the phrase "to order" (a la orden). To do this, on the back of the document, we write "Pay to" followed by the name of the person or company to whom we want to transfer the document, followed by our company name, Tax ID / CIF (a rubber stamp is also valid), and our signature.

Workcapital is a leader in alternative financing services; our excellent professionals will guide you at every stage, from assessment to credit approval. You can convert your credit sales into cash instantly and without appearing on CIRBE. Call us with no obligation, and we will review your proposal in just 2 hours!

At Workcapital, we are aware of the need for liquidity as quickly as possible. That is why, after the contract is signed and appropriate verifications are completed, we transfer the funds instantly.