VA! is a digital financing platform for businesses, offering a range of options to meet their financial needs and objectives. They provide solutions such as Capital de Trabajo (Working Capital) and Leasing, which businesses can choose between based on their specific requirements. In this post, VA! aims to clarify the difference between these two options to help businesses make an informed decision.

For Capital de Trabajo, VA! offers a loan type that is available to companies that have previously engaged in Factoring operations. With this option, businesses can determine the loan amount and duration, and VA! provides information on associated interest rates. The loan is then transferred to the company's account after signing the contract, and regular payments or amortizations are made to VA!.

Leasing, on the other hand, involves the leasing of assets such as vehicles or machinery. The company enters into a lease agreement with VA! and makes regular payments for the use of the leased asset until the final installment, at which point ownership is transferred to the company.

There are several key differences between Capital de Trabajo and Leasing. With Capital de Trabajo, the company receives the full loan amount upfront and has flexibility in how they use it, while Leasing involves payments for the use of the asset and ownership is transferred at the end of the lease term. Additionally, monthly payments for Capital de Trabajo are usually higher, but they can be deducted from taxes and allow for equipment upgrades without a lump sum payment.

Choosing the best financing option depends on the company's current financial situation, future projections, and goals. VA! provides a platform that allows businesses to review relevant metrics and make informed decisions. Leasing can help increase production or expand business reach by acquiring new machinery or vehicles, while Capital de Trabajo ensures operational continuity on a day-to-day basis. Other factors to consider include long-term goals, cash flow, savings capacity, debt capacity, and the conditions and purpose of the financing.

At VA!, businesses can find both Capital de Trabajo and Leasing options, along with a dedicated team of experts who can provide guidance and address any questions or concerns.

Overall, VA! offers a comprehensive digital financing solution for businesses, empowering them to make the best financial choices for their specific needs and goals.