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Spanish working capital markets are built around confirming and factoring, with banks, specialist financiers and an expanding direct lending sector all active. Long public-sector and corporate payment terms make receivables funding a structural need rather than a distress signal.
Confirming and factoring embedded in normal trading practice
Renting and leasing standard for vehicles and equipment
Growing direct lending market for mid-market tickets
Expect filed cuentas anuales, current management figures, a CIRBE report showing existing bank exposure, and confirmation that Seguridad Social and AEAT obligations are current. Outstanding public debt is one of the fastest routes to a decline and should be regularised or formally deferred before approaching the market.
Where the buyer is a large corporate or public body, confirming programmes fund suppliers at very fine pricing on the buyer's credit rather than the supplier's. For companies without that anchor, factoring with credit insurance is the common route.
Larger companies increasingly use unitranche and direct lending for acquisitions and expansion where bank leverage limits bite.
A buyer-led programme where the buyer's bank pays suppliers early against approved invoices. It prices off the buyer's credit, which usually makes it the cheapest funding a supplier can access.
Arrears with AEAT or Seguridad Social will stop most Spanish lenders. A formal aplazamiento in good standing usually resolves it.
Describe your requirement once and we structure it, then approach providers active in Spain whose criteria match. There are no upfront fees — all charges are due only once funding is in place.
Start your funding request