ROI Calculator

Calculate the impact of FutureBNPL
on your business

Introduce los datos de tu empresa y descubre cuánto puedes liberar en tesorería, cuánto ahorras en costes y cómo se reduce tu plazo de cobro.

Ver costes ocultos ↓ Ir a la calculadora ↓

Ejemplo: Empresa con €10M a crédito

Coste tradicional

€250k

2,5 % anual

With FutureBNPL

€100k

Ahorro ~60 %

Plazo de cobro75 days → 1 día

Capital liberado€2.054.795

Riesgo impago0 € — cubierto

📊 Simulación

The hidden cost of selling on credit

Each credit sale costs you between 1,5 % y un 3,5 %
just for letting your client pay later

These percentages apply regardless of your company size. The real cost goes far beyond the interest rate:

Traditional model

Estimated annual cost (60-day collection)

Financing (working capital, confirming, factoring...)0,4 – 1,0 %

Includes interest, opening fees and non-usage fees. Varies by instrument and risk profile.

Credit insurance0,5 – 1,0 %

Only covers 80-90% of default. Premium rises after loss-making periods.

Collection management & admin0,2 – 0,5 %

Uncovered defaults, recovery & legal0,4 – 1,0 %

Total estimated cost1,5 – 3,5 %

And that's not counting...

Personal guarantees to access financing. The risk of non-renewal of credit lines at the worst time. And if you use alternative financing, these percentages multiply.

With FutureBNPL

Estimated annual cost

Commission per successful operationPer proposal

Includes everything: scoring, insurance, credit, collections and default management.

Credit insuranceIncluded

100% default coverage. No deductibles or exclusions.

Collection management€0 (automated)

Defaults€0 (risk assumed)

Net result20-60% lower cost

Transparent pricing

Sin comisiones de apertura. Sin penalización por no uso. Sin subidas sorpresa. Sin avales personales. Sin riesgo de non-renewal. Sin gestión interna de cobros. Todo 100 % automatizado.

ROI Calculator