{"id":7984,"date":"2025-09-21T01:37:34","date_gmt":"2025-09-21T01:37:34","guid":{"rendered":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/?page_id=7984"},"modified":"2026-04-28T18:20:31","modified_gmt":"2026-04-28T18:20:31","slug":"faq","status":"publish","type":"page","link":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7984\" class=\"elementor elementor-7984\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4ea8b pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"6a4ea8b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-48290fb e-con-full e-flex e-con e-child\" data-id=\"48290fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fadaa3 elementor-widget__width-initial elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"3fadaa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Najcz\u0119\u015bciej  <font color=\"#285dae\">zadawane pytania<\/font><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75dc1a0 elementor-widget-tablet__width-inherit elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"75dc1a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Jeste\u015bmy niezale\u017cn\u0105 firm\u0105 faktoringow\u0105, dzia\u0142aj\u0105c\u0105 od 1993 roku. Specjalizujemy si\u0119 w obs\u0142udze mikro, ma\u0142ych i \u015brednich firm \u2014 zapewniamy finansowanie, kt\u00f3re pozwala dzia\u0142a\u0107 swobodnie, bez zb\u0119dnych formalno\u015bci.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f404e76 elementor-widget elementor-widget-html\" data-id=\"f404e76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Jakie dokumenty s\u0105 wymagane do podpisania umowy faktoringowej?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Do podpisania umowy potrzebne s\u0105 dokumenty rejestrowe firmy (KRS lub wpis do CEIDG), za\u015bwiadczenie NIP, Regon, numer rachunku bankowego oraz bie\u017c\u0105ce dokumenty finansowe.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Co to jest faktoring z regresem (niepe\u0142ny)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To forma finansowania, w kt\u00f3rej Faktor nie przejmuje ryzyka niewyp\u0142acalno\u015bci kontrahenta. AOW wyp\u0142aca 80% warto\u015bci brutto faktur w ci\u0105gu 24h, a pozosta\u0142e 20% po otrzymaniu zap\u0142aty od Odbiorcy.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Podstawowe poj\u0119cia: Faktor, Faktorant i Odbiorca.\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Faktor to instytucja finansowa (AOW), Faktorant to klient korzystaj\u0105cy z us\u0142ug, a Odbiorca to kontrahent (d\u0142u\u017cnik fakturowy).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy jest mo\u017cliwe podpisanie umowy faktoringowej z nowopowsta\u0142\u0105 firm\u0105?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Tak, podstawowym warunkiem jest posiadanie wyp\u0142acalnych Odbiorc\u00f3w.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy musz\u0119 przekazywa\u0107 do faktoringu wszystkie wystawiane faktury?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Nie. Klient decyduje, kt\u00f3re faktury przekaza\u0107. AOW nie wymaga cesji globalnej.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Jaki jest koszt faktoringu?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Stosowane s\u0105 dwa rodzaje op\u0142at: prowizja sta\u0142a (0,0-1,0%) oraz prowizja zmienna (0,03-0,10% za ka\u017cdy dzie\u0144). Wysoko\u015b\u0107 zale\u017cy od obrotu, liczby faktur i jako\u015bci kontrahent\u00f3w.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Co si\u0119 dzieje w przypadku braku zap\u0142aty za faktury przez Odbiorc\u0119?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"AOW mo\u017ce wyd\u0142u\u017cy\u0107 okres finansowania, rozpocz\u0105\u0107 windykacj\u0119 s\u0105dowo-komornicz\u0105 lub zwr\u00f3ci\u0107 faktury do maj\u0105tku Faktoranta w zamian za zwrot wyp\u0142aconych \u015brodk\u00f3w.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Jaka jest minimalna warto\u015b\u0107 faktury przekazanej do faktoringu?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"AOW nie okre\u015bla minimalnej warto\u015bci faktury ani ogranicze\u0144 co do ich ilo\u015bci.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Co musz\u0119 zrobi\u0107, aby rozpocz\u0105\u0107 finansowanie moich faktur?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Nale\u017cy podpisa\u0107 Umow\u0119 Faktoringow\u0105. Proces od przes\u0142ania dokument\u00f3w do wyp\u0142aty \u015brodk\u00f3w trwa zazwyczaj do 48 godzin.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy sprawdzaj\u0105c Odbiorc\u0119 celem dodania go do umowy faktoringowej kontaktujecie si\u0119 z nim?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Tak, standardow\u0105 procedur\u0105 jest weryfikacja i potwierdzenie salda u Odbiorcy przed wyp\u0142at\u0105 \u015brodk\u00f3w.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy Odbiorca musi wyrazi\u0107 zgod\u0119 na faktoring?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"W wi\u0119kszo\u015bci przypadk\u00f3w wystarczy zawiadomienie o cesji, chyba \u017ce umowa mi\u0119dzy Faktorantem a Odbiorc\u0105 zawiera zakaz cesji.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy faktoring jest dro\u017cszy od kredytu bankowego?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Faktoring ma inn\u0105 struktur\u0119 koszt\u00f3w, uwzgl\u0119dniaj\u0105c\u0105 dodatkowe us\u0142ugi jak zarz\u0105dzanie nale\u017cno\u015bciami i weryfikacja kontrahent\u00f3w, co cz\u0119sto czyni go bardziej op\u0142acalnym dla M\u015aP.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Jakie bran\u017ce mog\u0105 korzysta\u0107 z faktoringu?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Faktoring jest dost\u0119pny dla niemal ka\u017cdej bran\u017cy, gdzie stosuje si\u0119 odroczone terminy p\u0142atno\u015bci, m.in. transport, budownictwo, produkcja, handel.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy faktoring wp\u0142ywa na zdolno\u015b\u0107 kredytow\u0105?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Faktoring nie jest kredytem, wi\u0119c nie obci\u0105\u017ca zdolno\u015bci kredytowej firmy, a poprawiaj\u0105c p\u0142ynno\u015b\u0107, mo\u017ce j\u0105 nawet wzmocni\u0107.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy mog\u0119 finansowa\u0107 faktury zagraniczne?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Tak, AOW Faktoring oferuje r\u00f3wnie\u017c finansowanie faktur wystawianych dla kontrahent\u00f3w zagranicznych.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Co to jest limit faktoringowy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To maksymalna kwota \u015brodk\u00f3w, jak\u0105 Faktor mo\u017ce zaanga\u017cowa\u0107 w finansowanie faktur danego klienta lub konkretnego Odbiorcy.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy wymagane s\u0105 twarde zabezpieczenia (np. hipoteka)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"W standardowym faktoringu g\u0142\u00f3wnym zabezpieczeniem jest cesja wierzytelno\u015bci. Twarde zabezpieczenia s\u0105 wymagane rzadko, przy bardzo wysokich limitach lub trudnych transakcjach.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy faktoring pomaga w walce z zatorami p\u0142atniczymi?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Tak, to jedno z najskuteczniejszych narz\u0119dzi eliminuj\u0105cych przestoje finansowe spowodowane d\u0142ugimi terminami p\u0142atno\u015bci.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Co to jest faktoring cichy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To model, w kt\u00f3rym Odbiorca nie jest informowany o cesji. AOW analizuje takie przypadki indywidualnie.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Czy zaleg\u0142o\u015bci w ZUS\/US wykluczaj\u0105 z faktoringu?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Nie jest to ostateczna przeszkoda. Ka\u017cdy przypadek jest analizowany indywidualnie, a przy spe\u0142nieniu warunk\u00f3w mo\u017cliwa jest nawet restrukturyzacja zad\u0142u\u017cenia.\"\n      }\n    }\n  ]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d3590b pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"2d3590b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-456dbfb elementor-widget__width-initial elementor-widget-tablet_extra__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"456dbfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7280\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7280\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jakie dokumenty s\u0105 wymagane do podpisania umowy faktoringowej? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-b94d746 e-con-full e-flex e-con e-child\" data-id=\"b94d746\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9907bea elementor-widget elementor-widget-text-editor\" data-id=\"9907bea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Do podpisania umowy faktoringowej z AOW Faktoring potrzebne s\u0105 z Twojej strony tylko\u00a0<strong>dokumenty rejestrowe<\/strong>\u00a0<strong>firmy, tj. KRS<\/strong>\u00a0(w przypadku os\u00f3b fizycznych prowadz\u0105cych dzia\u0142alno\u015b\u0107 gospodarcz\u0105 wpis do ewidencji dzia\u0142alno\u015bci gospodarczej),\u00a0<strong>za\u015bwiadczenie NIP, Regon, numer rachunku bankowego<\/strong>, na kt\u00f3ry b\u0119d\u0105 dokonywane p\u0142atno\u015bci wynikaj\u0105ce z umowy oraz\u00a0<strong>bie\u017c\u0105ce dokumenty finansowe.<\/strong><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7281\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7281\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Co to jest faktoring z regresem (niepe\u0142ny)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7281\" class=\"elementor-element elementor-element-6553cc6 e-con-full e-flex e-con e-child\" data-id=\"6553cc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28f402f elementor-widget elementor-widget-text-editor\" data-id=\"28f402f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Faktoring z regresem, inaczej okre\u015blany jako <strong>faktoring niepe\u0142ny<\/strong>,<br \/>stanowi jedn\u0105 z najpopularniejszych form faktoringu na ca\u0142ym \u015bwiecie.<br \/>Polega na tym, \u017ce Faktor (firma faktoringowa) w ca\u0142o\u015bci lub w cz\u0119\u015bci finansuje jedn\u0105 albo kilka faktur<br \/>o okre\u015blonym terminie p\u0142atno\u015bci.<\/p><p>W tym modelu <strong>Faktor nie przejmuje ryzyka niewyp\u0142acalno\u015bci kontrahenta<\/strong> Faktoranta (klienta firmy faktoringowej).<br \/>Na wst\u0119pie weryfikuje on jednak <strong>wiarygodno\u015b\u0107 i wyp\u0142acalno\u015b\u0107<\/strong> kontrahenta i na tej podstawie nadaje odpowiednie limity finansowania.<br \/>Je\u015bli transakcja uznana jest za bardziej ryzykown\u0105, Faktor mo\u017ce wymaga\u0107 <strong>dodatkowych zabezpiecze\u0144<\/strong>.<\/p><p>W przypadku braku terminowej sp\u0142aty faktury Faktor prowadzi zar\u00f3wno<br \/><strong>windykacj\u0119 przeds\u0105dow\u0105<\/strong>, jak i \u2014 w razie konieczno\u015bci \u2014 <strong>s\u0105dowo-komornicz\u0105<\/strong>.<\/p><h5><b>Podstawowa oferta AOW<\/b><\/h5><p>\u201eFaktoring niepe\u0142ny z regresem\u201d to <strong>podstawowa oferta AOW<\/strong> w ramach us\u0142ug faktoringowych.<br \/>Wyp\u0142acamy <strong>80% warto\u015bci brutto<\/strong> przedstawionych do wykupu faktur w ci\u0105gu <strong>24 godzin<\/strong> od ich otrzymania,<br \/>potr\u0105caj\u0105c nale\u017cn\u0105 prowizj\u0119 faktoringow\u0105.<br \/>Pozosta\u0142e <strong>20%<\/strong> zatrzymywane jest na wypadek ewentualnych potr\u0105ce\u0144 i wyp\u0142acane<br \/><strong>natychmiast po otrzymaniu zap\u0142aty od Odbiorcy<\/strong>.<\/p><p>Sprzeda\u017c odbywa si\u0119 na niezmiennych zasadach \u2014 faktura przekazana do faktoringu musi by\u0107 opatrzona adnotacj\u0105 informuj\u0105c\u0105 o cesji<br \/>i przekierowaniu zap\u0142aty na rachunek Faktora (AOW).<br \/><br \/><\/p><h5><b>Co si\u0119 dzieje, gdy d\u0142u\u017cnik nie zap\u0142aci w terminie?<\/b><\/h5><p>AOW w porozumieniu z Faktorantem (czyli Twoj\u0105 firm\u0105) mo\u017ce:<\/p><ul><li>wyd\u0142u\u017cy\u0107 okres finansowania faktur,<\/li><li>przekszta\u0142ci\u0107 umow\u0119 faktoringow\u0105 w umow\u0119 windykacji i dochodzi\u0107 zap\u0142aty w imieniu Faktoranta,<\/li><li>zwr\u00f3ci\u0107 wykupione faktury do maj\u0105tku Faktoranta \u2014 po potr\u0105ceniu wyp\u0142aconych wcze\u015bniej \u015brodk\u00f3w i nale\u017cnych prowizji.<br \/><br \/><\/li><\/ul><h5><b>Faktoring bez regresu \u2013 korzy\u015bci i cechy<\/b><\/h5><ul><li>Mo\u017cesz otrzyma\u0107 zap\u0142at\u0119 nawet w dniu wystawienia faktury.<\/li><li>Zawarcie umowy faktoringowej cz\u0119sto poprawia dyscyplin\u0119 p\u0142atnicz\u0105 odbiorc\u00f3w.<\/li><li>Profesjonalne zarz\u0105dzanie nale\u017cno\u015bciami.<\/li><li>Skr\u00f3cony czas akceptacji odbiorc\u00f3w do umowy faktoringowej.<\/li><li>Ta\u0144sza forma finansowania dzi\u0119ki braku koszt\u00f3w ubezpieczenia transakcji.<\/li><li>Du\u017ca dost\u0119pno\u015b\u0107 us\u0142ugi, r\u00f3wnie\u017c w przypadku wierzytelno\u015bci wobec mniejszych odbiorc\u00f3w.<\/li><li>Przejrzysty system naliczania prowizji \u2014 odsetki pobierane s\u0105 \u201ez do\u0142u\u201d, tylko za faktyczny okres korzystania ze \u015brodk\u00f3w.<\/li><li>Mo\u017cliwo\u015b\u0107 cz\u0119\u015bciowego finansowania wierzytelno\u015bci.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7282\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7282\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Podstawowe poj\u0119cia: Faktor, Faktorant i Odbiorca. <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7282\" class=\"elementor-element elementor-element-3ef8bdf e-con-full e-flex e-con e-child\" data-id=\"3ef8bdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0bba7 elementor-widget elementor-widget-text-editor\" data-id=\"9a0bba7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Faktor<\/strong>\u00a0\u2013 Bank b\u0105d\u017a wyspecjalizowana instytucja finansowa, taka jak\u00a0<strong>AOW Faktoring<\/strong>, \u015bwiadcz\u0105ca na rzecz swoich Klient\u00f3w\u00a0<strong>us\u0142ugi faktoringowe.<\/strong><\/p><p><strong>Faktorant<\/strong>\u00a0\u2013 Klient firmy faktoringowej, na rzecz kt\u00f3rego \u015bwiadczone s\u0105\u00a0<strong>us\u0142ugi faktoringowe.<\/strong><\/p><p><strong>Odbiorca<\/strong>\u00a0\u2013 Tw\u00f3j kontrahent, na rzecz kt\u00f3rego dokonywana jest\u00a0<strong>sprzeda\u017c towar\u00f3w i us\u0142ug<\/strong>\u00a0oraz wystawiana jest\u00a0<strong>faktura obj\u0119ta faktoringiem<\/strong>\u00a0(d\u0142u\u017cnik fakturowy).<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7283\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7283\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy jest mo\u017cliwe podpisanie umowy faktoringowej z nowopowsta\u0142\u0105 firm\u0105? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7283\" class=\"elementor-element elementor-element-01c7550 e-con-full e-flex e-con e-child\" data-id=\"01c7550\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce59f20 elementor-widget elementor-widget-text-editor\" data-id=\"ce59f20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tak, podstawowym warunkiem podpisania umowy faktoringowej z\u00a0AOW Faktoring jest posiadanie wyp\u0142acalnych Odbiorc\u00f3w.<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7284\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7284\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy musz\u0119 przekazywa\u0107 do faktoringu wszystkie wystawiane faktury? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7284\" class=\"elementor-element elementor-element-83b2598 e-con-full e-flex e-con e-child\" data-id=\"83b2598\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5b873 elementor-widget elementor-widget-text-editor\" data-id=\"7c5b873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nie. To Ty decydujesz o tym kiedy i jakie faktury b\u0119d\u0105 przekazane do faktoringu. AOW Faktoring\u00a0<strong>nie wymaga cesji globalnej.<\/strong><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7285\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7285\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jaki jest koszt faktoringu? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7285\" class=\"elementor-element elementor-element-e6ae5b0 e-con-full e-flex e-con e-child\" data-id=\"e6ae5b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7ffd3d elementor-widget elementor-widget-text-editor\" data-id=\"c7ffd3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AOW Faktoring stosuje dwa rodzaje op\u0142at:<\/p><ul><li>prowizj\u0119 sta\u0142\u0105, kt\u00f3ra mie\u015bci si\u0119 w granicach 0,0-1,0%<\/li><li>prowizj\u0119 zmienn\u0105, kt\u00f3ra wynosi od 0,03 do 0,10%, za ka\u017cdy dzie\u0144 finansowania.<\/li><\/ul><p>Prowizje naliczane s\u0105 od\u00a0<strong>faktur przekazywanych do wykupu<\/strong>. Wysoko\u015b\u0107 tych prowizji zale\u017cy przede wszystkim od wysoko\u015bci miesi\u0119cznego obrotu przekazanego do faktoringu oraz liczby faktur przekazanych co miesi\u0119cznie do wykupu, a\u00a0tak\u017ce od\u00a0<strong>jako\u015bci kontrahent\u00f3w<\/strong>\u00a0(p\u0142atnik\u00f3w) oraz\u00a0<strong>stosowanych termin\u00f3w p\u0142atno\u015bci.<\/strong>\u00a0Prowizje s\u0105 mniejsze, je\u017celi kontrahentami s\u0105 dobrzy p\u0142atnicy, a\u00a0liczba faktur jest niewielka. Malej\u0105 one tak\u017ce wraz ze wzrostem obrot\u00f3w przekazanych do faktoringu.<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7286\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7286\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Co si\u0119 dzieje w przypadku braku zap\u0142aty za faktury przez Odbiorc\u0119? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7286\" class=\"elementor-element elementor-element-b180976 e-con-full e-flex e-con e-child\" data-id=\"b180976\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d177d40 elementor-widget elementor-widget-text-editor\" data-id=\"d177d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>W przypadku je\u017celi Odbiorca\u00a0<strong>nie ureguluje zap\u0142aty<\/strong>\u00a0za wykupione faktury, AOW Faktoring w\u00a0porozumieniu z\u00a0Faktorantem (czyli Twoj\u0105 firm\u0105) mo\u017ce:<\/p><ul class=\"wp-block-list\"><li>wyd\u0142u\u017cy\u0107 okres finansowania faktur,<\/li><li>rozpocz\u0105\u0107 windykacj\u0119 s\u0105dowo-komornicz\u0105,<\/li><li>zwr\u00f3ci\u0107 wykupione faktury do maj\u0105tku Faktoranta, otrzymuj\u0105c w\u00a0zamian wyp\u0142acone na jej poczet \u015brodki wraz z\u00a0nale\u017cnymi prowizjami.<\/li><\/ul><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7287\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7287\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jaka jest minimalna warto\u015b\u0107 faktury przekazanej do faktoringu? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7287\" class=\"elementor-element elementor-element-ec94483 e-con-full e-flex e-con e-child\" data-id=\"ec94483\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f191a7c elementor-widget elementor-widget-text-editor\" data-id=\"f191a7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AOW Faktoring nie okre\u015bla minimalnej warto\u015bci faktury. To Klient decyduje kiedy i\u00a0w\u00a0jakiej kwocie przekazuje wierzytelno\u015bci do finansowania w\u00a0ramach przyznanego\u00a0<strong>limitu faktoringowego<\/strong>. Nie stosujemy tak\u017ce ogranicze\u0144 co do ilo\u015bci wykupowanych faktur. Dodatkowo istnieje mo\u017cliwo\u015b\u0107 finansowania\u00a0<strong>cz\u0119\u015bciowego<\/strong>\u00a0lub te\u017c\u00a0<strong>wymagalno\u015bciowego<\/strong>\u00a0(finansowanie w\u00a0terminie p\u0142atno\u015bci faktury).<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7288\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7288\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Co musz\u0119 zrobi\u0107, aby rozpocz\u0105\u0107 finansowanie moich faktur? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7288\" class=\"elementor-element elementor-element-4d8fa86 e-con-full e-flex e-con e-child\" data-id=\"4d8fa86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91fa800 elementor-widget elementor-widget-text-editor\" data-id=\"91fa800\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pierwszym etapem prowadz\u0105cym do sfinansowania faktur jest podpisanie\u00a0<strong>Umowy\u00a0 Faktoringowej<\/strong>. Umowa okre\u015bla warunki i zasady wsp\u00f3\u0142pracy \u2013 m.in.: jakie faktury b\u0119d\u0105 obj\u0119te finansowaniem, koszty faktoringu, limit finansowania, jakie us\u0142ugi dodatkowe b\u0119dzie \u015bwiadczy\u0142 Faktor na rzecz Faktoranta. Kolejnym etapem jest rozpocz\u0119cie finansowania konkretnych faktur, kt\u00f3re odbywa si\u0119 na zasadzie\u00a0<strong>cesji wierzytelno\u015bci.<\/strong>\u00a0Faktor przesy\u0142a \u015brodki na konto Faktoranta natychmiast po otrzymaniu faktur i potwierdzeniu ich akceptacji u Odbiorcy. Czas od momentu przes\u0142ania wymaganych dokument\u00f3w do momentu otrzymania \u015brodk\u00f3w pieni\u0119\u017cnych z regu\u0142y wynosi nie wi\u0119cej ni\u017c\u00a0<strong>48 godzin.<\/strong><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7289\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7289\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy sprawdzaj\u0105c Odbiorc\u0119 celem dodania go do umowy faktoringowej kontaktujecie si\u0119 z nim? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7289\" class=\"elementor-element elementor-element-7eb9491 e-con-full e-flex e-con e-child\" data-id=\"7eb9491\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e77be61 elementor-widget elementor-widget-text-editor\" data-id=\"e77be61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nie, korzystamy tylko i wy\u0142\u0105cznie z posiadanych przez nas baz danych. Odbiorca jest informowany o faktoringu tylko i wy\u0142\u0105cznie przez Faktoranta.<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72810\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72810\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy mog\u0119 zg\u0142osi\u0107 do umowy tylko jednego Odbiorc\u0119? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72810\" class=\"elementor-element elementor-element-d4ced77 e-con-full e-flex e-con e-child\" data-id=\"d4ced77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-418c017 elementor-widget elementor-widget-text-editor\" data-id=\"418c017\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tak, rozpocz\u0119cie wsp\u00f3\u0142pracy mo\u017cliwe jest nawet przy jednym, wyp\u0142acalnym Odbiorcy.<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72811\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72811\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jakie obroty w skali roku musi mie\u0107 moja firma aby m\u00f3c skorzysta\u0107 z us\u0142ugi faktoringu? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72811\" class=\"elementor-element elementor-element-ea701ac e-con-full e-flex e-con e-child\" data-id=\"ea701ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eea48a1 elementor-widget elementor-widget-text-editor\" data-id=\"eea48a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>AOW Faktoring nie stosuje ograniczenia w postaci\u00a0<strong>minimalnej warto\u015bci obrot\u00f3w<\/strong>, od kt\u00f3rej jest mo\u017cliwe podpisanie umowy. Firma z ma\u0142ymi obrotami tak\u017ce mo\u017ce skorzysta\u0107 z us\u0142ugi faktoringu w naszej firmie. Oferta faktoringu w AOW skierowana jest zar\u00f3wno do \u015brednich przedsi\u0119biorstw, jak i ma\u0142ych firm, mikrofirm, a nawet startup\u00f3w.<\/p><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72812\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"13\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72812\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jaka jest procedura wykupu moich faktur? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72812\" class=\"elementor-element elementor-element-60c3667 e-con-full e-flex e-con e-child\" data-id=\"60c3667\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e46e446 elementor-widget elementor-widget-text-editor\" data-id=\"e46e446\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Faktury s\u0105 finansowane natychmiast po przedstawieniu ich do wykupu oraz po potwierdzeniu ich akceptacji u Odbiorcy.<\/p><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72813\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"14\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72813\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jakie zabezpieczenia musz\u0119 ustanowi\u0107 na rzecz Faktora? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72813\" class=\"elementor-element elementor-element-5590c1b e-con-full e-flex e-con e-child\" data-id=\"5590c1b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd1e05e elementor-widget elementor-widget-text-editor\" data-id=\"cd1e05e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Podstawowym zabezpieczeniem \u015brodk\u00f3w wyp\u0142acanych przez AOW Faktoring jest\u00a0<strong>finansowana wierzytelno\u015b\u0107<\/strong>. To na podstawie oceny ryzyka zwi\u0105zanego z\u00a0wyp\u0142acalno\u015bci\u0105 Odbiorcy, Faktor podejmuje decyzj\u0119 o\u00a0sfinansowaniu okre\u015blonej wierzytelno\u015bci. Opr\u00f3cz tego, zabezpieczeniem ewentualnych roszcze\u0144 Faktora, jest\u00a0<strong>weksel z\u00a0wystawienia Faktoranta<\/strong>. W\u00a0szczeg\u00f3lnych przypadkach (np. \u015bwiadczenia us\u0142ugi faktoringu zam\u00f3wieniowego) stosujemy r\u00f3wnie\u017c\u00a0<strong>zabezpieczenia maj\u0105tkowe<\/strong>.<\/p><\/div><\/div><div class=\"elementor-element elementor-element-a0b6263 elementor-widget elementor-widget-button\" data-id=\"a0b6263\" data-element_type=\"widget\" data-widget_type=\"button.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-button-wrapper\">\u00a0<\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72814\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"15\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72814\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jak b\u0119d\u0119 si\u0119 dowiadywa\u0142 o p\u0142atno\u015bciach dokonywanych przez moich Odbiorc\u00f3w na konto Faktora? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72814\" class=\"elementor-element elementor-element-132b688 e-con-full e-flex e-con e-child\" data-id=\"132b688\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26a4bd0 elementor-widget elementor-widget-text-editor\" data-id=\"26a4bd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c548d18 elementor-widget elementor-widget-text-editor\" data-id=\"c548d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Ka\u017cdy Klient AOW Faktoring otrzymuje bezp\u0142atny\u00a0<strong><em>dost\u0119p on-line<\/em><\/strong>\u00a0do wszelkich rozlicze\u0144 zwi\u0105zanych z\u00a0zawart\u0105 umow\u0105. Dost\u0119pne informacje dotycz\u0105: p\u0142atno\u015bci dokonywanych przez Faktora, zap\u0142at od Odbiorc\u00f3w, a\u00a0tak\u017ce naliczanych prowizji. Dodatkowo ka\u017cdy nasz Klient mo\u017ce sam wprowadza\u0107 do systemu faktury, kt\u00f3re chce sfinansowa\u0107 u\u00a0Faktora. Powoduje to\u00a0<strong>przyspieszenie procedury wykupu faktur<\/strong>. AOW Faktoring korzysta z\u00a0autorskiego, nowoczesnego systemu faktoringowego<strong><em>\u00a0KALYPSO<\/em><\/strong>, s\u0142u\u017c\u0105cego do obs\u0142ugi Klienta, opartego na do\u015bwiadczeniach w\u0142asnych i sugestiach naszych Faktorant\u00f3w.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72815\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"16\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72815\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy podpisanie umowy faktoringowej nie wp\u0142ynie na pogorszenie moich stosunk\u00f3w z Odbiorcami? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72815\" class=\"elementor-element elementor-element-b19138c e-con-full e-flex e-con e-child\" data-id=\"b19138c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98c28bf elementor-widget elementor-widget-text-editor\" data-id=\"98c28bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c548d18 elementor-widget elementor-widget-text-editor\" data-id=\"c548d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-2de2966 elementor-widget elementor-widget-text-editor\" data-id=\"2de2966\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Nie. Do podpisania umowy faktoringowej (przelewu wierzytelno\u015bci)\u00a0<strong>nie jest wymagana zgoda d\u0142u\u017cnika<\/strong>, pod warunkiem, \u017ce w\u00a0umowie Twojej firmy z\u00a0odbiorc\u0105\u00a0<strong>nie wyst\u0119puje zakaz cesji.<\/strong>\u00a0Konieczne natomiast jest\u00a0<strong>uzyskanie potwierdzenia odbioru<\/strong>\u00a0przez Klienta zawiadomienia o\u00a0dokonaniu\u00a0<strong>przelewu wierzytelno\u015bci<\/strong>, w\u00a0kt\u00f3rym wskazany zostaje numer rachunku Faktora, na kt\u00f3ry nale\u017cy dokona\u0107 zap\u0142aty za faktury wskazane w\u00a0zawiadomieniu. W\u00a0przypadku problem\u00f3w z\u00a0uzyskaniem potwierdzenia odbioru zawiadomienia, pracownicy AOW s\u0142u\u017c\u0105 pomoc\u0105 w\u00a0merytorycznej rozmowie z\u00a0Odbiorc\u0105 w\u00a0celu wyt\u0142umaczenia zasad dzia\u0142ania faktoringu. Dla Twoich Odbiorc\u00f3w jedyn\u0105 r\u00f3\u017cnic\u0105 jest przes\u0142anie przelewu na inny rachunek, ni\u017c pierwotnie wskazany na fakturze. Natomiast z\u00a0faktu zawarcia umowy faktoringowej wynika dla Odbiorcy szereg korzy\u015bci, zar\u00f3wno po\u015brednich jak i\u00a0bezpo\u015brednich. Zapewnienie finansowania bie\u017c\u0105cej dzia\u0142alno\u015bci mo\u017ce pozwoli\u0107 Ci unikn\u0105\u0107 problem\u00f3w z\u00a0realizacj\u0105 zam\u00f3wie\u0144 ze wzgl\u0119du na k\u0142opoty z\u00a0p\u0142ynno\u015bci\u0105. Ponadto daje mo\u017cliwo\u015b\u0107 wyd\u0142u\u017cenia stosowanych dotychczas termin\u00f3w p\u0142atno\u015bci.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72816\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"17\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72816\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy w trakcie trwania umowy mo\u017cna dodawa\u0107 nowych odbiorc\u00f3w? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72816\" class=\"elementor-element elementor-element-970a94a e-con-full e-flex e-con e-child\" data-id=\"970a94a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d324c1 elementor-widget elementor-widget-text-editor\" data-id=\"7d324c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c548d18 elementor-widget elementor-widget-text-editor\" data-id=\"c548d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-2de2966 elementor-widget elementor-widget-text-editor\" data-id=\"2de2966\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c2a3249 elementor-widget elementor-widget-text-editor\" data-id=\"c2a3249\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Tak. Procedura wygl\u0105da tak samo, jak przy pierwszym dodaniu kontrahent\u00f3w, czyli do AOW Faktoring musi zosta\u0107 prz<em>es\u0142ana nazwa i\u00a0adres danego Odbiorcy (<\/em>czasami wymagamy r\u00f3wnie\u017c dostarczenia jego dokument\u00f3w finansowych) oraz wysoko\u015b\u0107 \u015bredniego, miesi\u0119cznego obrotu i\u00a0stosowane terminy p\u0142atno\u015bci. Po otrzymaniu wszystkich danych, na podstawie przeprowadzanej analizy, podejmujemy decyzj\u0119 czy i\u00a0w\u00a0jakiej wysoko\u015bci mo\u017cemy nada\u0107\u00a0<em><strong>limit na danego Odbiorc\u0119<\/strong><\/em>. Po akceptacji Odbiorcy s\u0105\u00a0<strong><em>dodawani aneksem do umowy faktoringowej.<\/em><\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72817\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"18\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72817\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Posiadam faktury, kt\u00f3rych warto\u015b\u0107 przewy\u017csza przyznany mi limit. W jakiej wysoko\u015bci dostan\u0119 finansowanie i co z pozosta\u0142\u0105 kwot\u0105? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72817\" class=\"elementor-element elementor-element-4559ce2 e-con-full e-flex e-con e-child\" data-id=\"4559ce2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2125f84 elementor-widget elementor-widget-text-editor\" data-id=\"2125f84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c548d18 elementor-widget elementor-widget-text-editor\" data-id=\"c548d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-2de2966 elementor-widget elementor-widget-text-editor\" data-id=\"2de2966\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c2a3249 elementor-widget elementor-widget-text-editor\" data-id=\"c2a3249\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-d5de944 elementor-widget elementor-widget-text-editor\" data-id=\"d5de944\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Faktura, kt\u00f3rej wykup spowoduje przekroczenie przyznanego limitu zostanie sfinansowana cz\u0119\u015bciowo do wysoko\u015bci przyznanego limitu. Po zwolnieniu limitu, poprzez sp\u0142at\u0119 jakiejkolwiek innej faktury na tego Odbiorc\u0119, pozosta\u0142a cz\u0119\u015b\u0107 faktury\u00a0<strong><em>zostanie sfinansowana automatycznie.<\/em><\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72818\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"19\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72818\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Co to jest faktoring zam\u00f3wieniowy i jak to dzia\u0142a w praktyce? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72818\" class=\"elementor-element elementor-element-3b338e6 e-con-full e-flex e-con e-child\" data-id=\"3b338e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c3573f elementor-widget elementor-widget-text-editor\" data-id=\"0c3573f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c548d18 elementor-widget elementor-widget-text-editor\" data-id=\"c548d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-2de2966 elementor-widget elementor-widget-text-editor\" data-id=\"2de2966\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c2a3249 elementor-widget elementor-widget-text-editor\" data-id=\"c2a3249\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-d5de944 elementor-widget elementor-widget-text-editor\" data-id=\"d5de944\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p><a href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-zamowieniowy\/\"><strong>Faktoring zam\u00f3wieniowy<\/strong><\/a>\u00a0polega na udost\u0119pnieniu przez firm\u0119 faktoringow\u0105\u00a0<strong><em>finansowania projektu biznesowego\u00a0<\/em><\/strong>danej firmy ju\u017c na etapie z\u0142o\u017cenia zam\u00f3wienia przez odbiorc\u0119. Z\u00a0regu\u0142y kwota dost\u0119pnych \u015brodk\u00f3w dochodzi do\u00a0<strong><em>50%<\/em><\/strong>\u00a0warto\u015bci takiego zam\u00f3wienia. W\u00a0ramach tego limitu firma mo\u017ce\u00a0<strong><em>pokry\u0107 wszystkie faktury zakupowe<\/em><\/strong>\u00a0(materia\u0142y, surowce, energia, us\u0142ugi os\u00f3b trzecich) zwi\u0105zane z\u00a0realizacj\u0105 tego zam\u00f3wienia. Dzi\u0119ki temu Klient jest w\u00a0stanie\u00a0<strong><em>realizowa\u0107 dodatkowe zam\u00f3wienia<\/em><\/strong>, kt\u00f3re normalnie musia\u0142by odrzuci\u0107 ze wzgl\u0119du na brak \u015brodk\u00f3w na uruchomienie ich realizacji.<\/p><p>Faktoring w praktyce skierowany jest przede wszystkim do podmiot\u00f3w, kt\u00f3re\u00a0<em><strong>posiadaj\u0105 wolne moce przerobowe<\/strong><\/em>, ale nie mog\u0105 ich wykorzysta\u0107 ze wzgl\u0119du\u00a0<strong><em>na ograniczony kapita\u0142 obrotowy<\/em><\/strong>\u00a0oraz przyznane przez swoich dostawc\u00f3w<strong><em>\u00a0limity kredyt\u00f3w kupieckich.<\/em><\/strong>\u00a0Faktoring zam\u00f3wieniowy znajduje najszersze zastosowanie w\u015br\u00f3d firm budowlanych i\u00a0produkcyjnych, w\u00a0kt\u00f3rych koszty zmienne zwi\u0105zane z\u00a0realizacj\u0105 kontrakt\u00f3w oscyluj\u0105 w\u00a0granicach\u00a0<strong><em>od 40% do 60 %\u00a0<\/em><\/strong>jego warto\u015bci. Mo\u017ce on by\u0107 r\u00f3wnie\u017c wykorzystany przez firmy handlowe, jak wi\u0119ksi hurtownicy lub dystrybutorzy, jednak tu pewnym ograniczeniem mo\u017ce by\u0107 jego koszt. Ca\u0142kowity koszt tej us\u0142ugi wynosi od oko\u0142o\u00a0<strong><em>3% do 4%\u00a0<\/em><\/strong>w\u00a0skali miesi\u0105ca, wi\u0119c aby transakcja by\u0142a op\u0142acalna dla ka\u017cdej ze stron, mar\u017ca brutto Klienta powinna wynosi\u0107 co najmniej oko\u0142o<strong><em>\u00a015-20%.<\/em><\/strong>\u00a0Z\u00a0faktoringu zam\u00f3wieniowego najcz\u0119\u015bciej korzysta szeroko poj\u0119ta bran\u017ca budowlana oraz reklamowa, rolno spo\u017cywcza i\u00a0telekomunikacyjna.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-72819\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"20\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-72819\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Czy zaleg\u0142o\u015bci w ZUS lub US definitywnie uniemo\u017cliwiaj\u0105 podpisanie umowy faktoringowej? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-72819\" class=\"elementor-element elementor-element-4500eb4 e-con-full e-flex e-con e-child\" data-id=\"4500eb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a60d88 elementor-widget elementor-widget-text-editor\" data-id=\"6a60d88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e14324 elementor-widget elementor-widget-text-editor\" data-id=\"8e14324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-9d77b9f elementor-widget elementor-widget-text-editor\" data-id=\"9d77b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-0339e0b elementor-widget elementor-widget-text-editor\" data-id=\"0339e0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c548d18 elementor-widget elementor-widget-text-editor\" data-id=\"c548d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-2de2966 elementor-widget elementor-widget-text-editor\" data-id=\"2de2966\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-c2a3249 elementor-widget elementor-widget-text-editor\" data-id=\"c2a3249\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-d5de944 elementor-widget elementor-widget-text-editor\" data-id=\"d5de944\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Nie. Sam fakt istnienia takiej zaleg\u0142o\u015bci\u00a0<strong>nie jest ostateczn\u0105 przeszkod\u0105<\/strong>\u00a0w\u00a0podpisaniu umowy faktoringowej. Wa\u017cne jest jednak, aby poinformowa\u0107 o\u00a0tym AOW Faktoring ju\u017c na samym wst\u0119pie. Nast\u0119pnie mo\u017cliwe s\u0105 dwa warianty dalszego post\u0119powania:<\/p><ul class=\"wp-block-list\"><li>Je\u017celi zad\u0142u\u017cenie\u00a0<strong>nie jest znaczne<\/strong>\u00a0wystarczy, aby nasz Klient zadeklarowa\u0142 kiedy i\u00a0w\u00a0jakich kwotach ma zamiar sp\u0142aci\u0107 takie zad\u0142u\u017cenie, a\u00a0my dokonamy analizy na podstawie osi\u0105ganych wynik\u00f3w sprzeda\u017cy, mar\u017cy oraz prognoz na przysz\u0142o\u015b\u0107 i\u00a0ustalimy czy za\u0142o\u017cone terminy i\u00a0kwoty s\u0105 realne.<\/li><li>Je\u017celi zad\u0142u\u017cenie jest du\u017ce mo\u017cemy, przy spe\u0142nieniu odpowiednich warunk\u00f3w, zaproponowa\u0107\u00a0<strong>restrukturyzacj\u0119\u00a0<\/strong>takiego zad\u0142u\u017cenia.<\/li><\/ul><p><br \/>Bez wzgl\u0119du na to kt\u00f3ry wariant wybierzemy samo podpisanie\u00a0<strong>umowy faktoringowej oraz finansowanie faktur mo\u017ce ruszy\u0107 od razu.<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-374e074 e-flex e-con-boxed e-con e-parent\" data-id=\"374e074\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1fe4cb4 e-con-full e-flex e-con e-child\" data-id=\"1fe4cb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25efda1 elementor-widget elementor-widget-heading\" data-id=\"25efda1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">M\u00d3WIMY TAK GDY INNI M\u00d3WI\u0104 NIE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9f133a deco-underline-red elementor-widget elementor-widget-heading\" data-id=\"e9f133a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potrzebujesz faktoringu?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e66d365 elementor-widget elementor-widget-heading\" data-id=\"e66d365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Wype\u0142nij niezobowi\u0105zuj\u0105cy formularz<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec0de3c elementor-align-center button-blue shine-button elementor-widget elementor-widget-button\" data-id=\"ec0de3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/zapytanie-ofertowe\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Przejd\u017a do formularza<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-603192d e-con-full e-flex e-con e-child\" data-id=\"603192d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebba3a elementor-widget elementor-widget-image\" data-id=\"5ebba3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"695\" src=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-1024x889.png\" class=\"attachment-large size-large wp-image-5945\" alt=\"\" srcset=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-1024x889.png 1024w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-600x521.png 600w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-300x261.png 300w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-768x667.png 768w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753.png 1179w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Najcz\u0119\u015bciej zadawane pytania Jeste\u015bmy niezale\u017cn\u0105 firm\u0105 faktoringow\u0105, dzia\u0142aj\u0105c\u0105 od 1993 roku. Specjalizujemy si\u0119 w obs\u0142udze mikro, ma\u0142ych i \u015brednich firm \u2014 zapewniamy finansowanie, kt\u00f3re pozwala dzia\u0142a\u0107 swobodnie, bez zb\u0119dnych formalno\u015bci. Jakie dokumenty s\u0105 wymagane do podpisania umowy faktoringowej? Do podpisania umowy faktoringowej z AOW Faktoring potrzebne s\u0105 z Twojej strony tylko\u00a0dokumenty rejestrowe\u00a0firmy, tj. KRS\u00a0(w przypadku [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7984","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ - Firma Faktoringowa AOW<\/title>\n<meta name=\"description\" content=\"Faktoring AOW zaprasza \u2b50\ufe0f FAQ \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Firma Faktoringowa AOW\" \/>\n<meta property=\"og:description\" content=\"Faktoring AOW zaprasza \u2b50\ufe0f FAQ \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"Firma Faktoringowa AOW\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-28T18:20:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1179\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data1\" content=\"25 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/\",\"name\":\"FAQ - Firma Faktoringowa AOW\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/freepik__background__12753-1024x889.png\",\"datePublished\":\"2025-09-21T01:37:34+00:00\",\"dateModified\":\"2026-04-28T18:20:31+00:00\",\"description\":\"Faktoring AOW zaprasza \u2b50\ufe0f FAQ \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/#primaryimage\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/freepik__background__12753.png\",\"contentUrl\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/freepik__background__12753.png\",\"width\":1179,\"height\":1024},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faq\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#website\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/\",\"name\":\"Firma Faktoringowa AOW\",\"description\":\"M\u00f3wimy Tak gdy inni odmawiaj\u0105 finansowania. 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