{"id":641,"date":"2018-10-04T15:50:26","date_gmt":"2018-10-04T13:50:26","guid":{"rendered":"http:\/\/www.cercos.net\/credit-i-caucio\/"},"modified":"2026-10-28T09:22:04","modified_gmt":"2026-10-28T08:22:04","slug":"credito-y-caucion","status":"publish","type":"page","link":"https:\/\/www.cercos.net\/es\/credito-y-caucion\/","title":{"rendered":"Credito y cauci\u00f3n"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; fullwidth=\u00bbon\u00bb _builder_version=\u00bb4.16&#8243; background_color=\u00bb#a62a28&#8243; custom_margin=\u00bb5px||5px|\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_fullwidth_post_title meta=\u00bboff\u00bb featured_image=\u00bboff\u00bb text_color=\u00bblight\u00bb _builder_version=\u00bb4.16&#8243; title_font_size=\u00bb20px\u00bb background_color_gradient_start=\u00bb#29c4a9&#8243; background_color_gradient_end=\u00bb#2b87da\u00bb custom_margin=\u00bb0px||0px|\u00bb custom_css_main_element=\u00bbpadding:10px 0 0 8px!important;\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_row column_structure=\u00bb1_2,1_2&#8243; _builder_version=\u00bb4.16&#8243; background_size=\u00bbinitial\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_2&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_accordion open_toggle_text_color=\u00bb#a62a28&#8243; closed_toggle_text_color=\u00bb#a62a28&#8243; icon_color=\u00bb#a62a28&#8243; _builder_version=\u00bb4.16&#8243; toggle_font=\u00bb|700|||||||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_accordion_item title=\u00bbCREDITO\u00bb open=\u00bbon\u00bb _builder_version=\u00bb4.16&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p class=\"justify\">Toda empresa que venda a cr\u00e9dito tiene riesgo de impago y, a menudo, puede venir del cliente menos esperado.<\/p>\n<p class=\"justify\">El seguro de cr\u00e9dito permite, por un Lado, <span class=\"red\">disminuir la repercusi\u00f3n de este riesgo del balance de una empresa<\/span> y, por otro lado, <span class=\"red\">establecer un control del cr\u00e9dito m\u00e1ximo otorgable a cada cliente.<\/span><\/p>\n<p class=\"justify\">Lo m\u00e1s usual es que se respalde el 80% de la factura impagada (una vez transcurrido el plazo establecido a la p\u00f3liza) y que la aseguradora realice la gesti\u00f3n de cobro ante el deudor por el importe total. Si finalmente este importe se recobra, se respalda al asegurado el 20% restante.<\/p>\n<p class=\"justify\">La peque\u00f1a empresa tambi\u00e9n tiene al alcance la posibilidad de contratar este tipo de seguro, incluso los aut\u00f3nomos.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=\u00bbCAUCI\u00d3N\u00bb _builder_version=\u00bb4.16&#8243; global_colors_info=\u00bb{}\u00bb open=\u00bboff\u00bb]<\/p>\n<p class=\"justify\">El seguro de cauci\u00f3n sirve como  <span class=\"red\">garant\u00eda de solvencia ante la administraci\u00f3n<\/span>, en caso de concursos p\u00fablicos o bien el desarrollo de algunas actividades (agencias de viajes, agentes inmobiliarios). No inmoviliza ning\u00fan recurso de la empresa, contrariamente al aval bancario, y es m\u00e1s econ\u00f3mica..<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=\u00bb1_2&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_image src=\u00bbhttps:\/\/www.cercos.net\/wp-content\/uploads\/credito-caucion.png\u00bb align_tablet=\u00bbcenter\u00bb align_phone=\u00bbcenter\u00bb align_last_edited=\u00bbon|desktop\u00bb _builder_version=\u00bb4.16&#8243; global_colors_info=\u00bb{}\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_heading title=\u00bbPreguntas frecuentes\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb hover_enabled=\u00bb0&#8243; global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0&#8243;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_accordion _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_accordion_item title=\u00bb\u00bfQu\u00e9 cubre un seguro de cr\u00e9dito?\u00bb open=\u00bbon\u00bb open_toggle_text_color=\u00bb#FFFFFF\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#A62A28&#8243; background_enable_color=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb toggle_text_color=\u00bb#FFFFFF\u00bb toggle_font=\u00bb|700|||||||\u00bb]<\/p>\n<p><span style=\"color: #ffffff;\">Cubre el impago de las facturas de tus clientes. Lo m\u00e1s habitual es que se abone el 80% de la factura<\/span><br \/><span style=\"color: #ffffff;\">impagada una vez transcurrido el plazo establecido en la p\u00f3liza.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=\u00bb\u00bfQu\u00e9 pasa con el 20% restante?\u00bb open=\u00bboff\u00bb open_toggle_text_color=\u00bb#FFFFFF\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#A62A28&#8243; background_enable_color=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb toggle_text_color=\u00bb#FFFFFF\u00bb toggle_font=\u00bb|700|||||||\u00bb]<\/p>\n<p><span style=\"color: #ffffff;\">La aseguradora reclama el importe total al deudor. Si finalmente lo recobra, te abona el 20% que faltaba.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=\u00bb\u00bfSirve solo para grandes empresas?\u00bb open=\u00bboff\u00bb open_toggle_text_color=\u00bb#FFFFFF\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#A62A28&#8243; background_enable_color=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb toggle_text_color=\u00bb#FFFFFF\u00bb toggle_font=\u00bb|700|||||||\u00bb]<\/p>\n<p><span style=\"color: #ffffff;\">No. La peque\u00f1a empresa tambi\u00e9n puede contratarlo, y los aut\u00f3nomos tambi\u00e9n tienen acceso.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=\u00bb\u00bfPara qu\u00e9 sirve, adem\u00e1s de cobrar?\u00bb open=\u00bboff\u00bb open_toggle_text_color=\u00bb#FFFFFF\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#A62A28&#8243; background_enable_color=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb toggle_text_color=\u00bb#FFFFFF\u00bb toggle_font=\u00bb|700|||||||\u00bb]<\/p>\n<p><span style=\"color: #ffffff;\">Para controlar el riesgo. La compa\u00f1\u00eda establece el cr\u00e9dito m\u00e1ximo que se puede conceder a cada cliente, de<\/span><br \/><span style=\"color: #ffffff;\">modo que sabes por adelantado hasta d\u00f3nde puedes vender a cr\u00e9dito.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=\u00bb\u00bfQu\u00e9 es un seguro de cauci\u00f3n?\u00bb open=\u00bboff\u00bb open_toggle_text_color=\u00bb#FFFFFF\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#A62A28&#8243; background_enable_color=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb toggle_text_color=\u00bb#FFFFFF\u00bb toggle_font=\u00bb|700|||||||\u00bb]<\/p>\n<p><span style=\"color: #ffffff;\">Es una garant\u00eda de solvencia ante la Administraci\u00f3n, para concursos p\u00fablicos o para actividades que lo<\/span><br \/><span style=\"color: #ffffff;\">exigen, como las agencias de viajes o los agentes inmobiliarios.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=\u00bb\u00bfQu\u00e9 diferencia hay con un aval bancario?\u00bb open=\u00bboff\u00bb open_toggle_text_color=\u00bb#FFFFFF\u00bb _builder_version=\u00bb4.27.9&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#A62A28&#8243; background_enable_color=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb toggle_text_color=\u00bb#FFFFFF\u00bb toggle_font=\u00bb|700|||||||\u00bb]<\/p>\n<p><span style=\"color: #ffffff;\">La cauci\u00f3n no inmoviliza ning\u00fan recurso de la empresa, al contrario que el aval, y suele ser m\u00e1s econ\u00f3mica.<\/span><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Toda empresa que venda a cr\u00e9dito tiene riesgo de impago y, a menudo, puede venir del cliente menos esperado. El seguro de cr\u00e9dito permite, por un Lado, disminuir la repercusi\u00f3n de este riesgo del balance de una empresa y, por otro lado, establecer un control del cr\u00e9dito m\u00e1ximo otorgable a cada cliente. Lo m\u00e1s usual [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-641","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credito y cauci\u00f3n - Cerc\u00f3s &amp; Ari\u00f1o<\/title>\n<meta name=\"description\" content=\"Protege tu empresa frente a impagos con seguros de cr\u00e9dito y cauci\u00f3n. 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