PRIMARY BENEFITS

SURETY INSURANCE AND REINSURANCE

1

Credit capacity can be increased

With surety insurance, clients will not have to use their bank credit, since it does not compute in the Bank of Spain's Credit Reporting Agency. In fact, clients may release or reduce the consumption of credit lines, increasing the disposal of current assets for other purposes.
2

Does not generate any type of extra expense

There are no additional expenses derived from the expense of the premium. The insurance company does not charge for cancellation or maintenance, unlike financial institutions, which means a monetary savings amount.
3

Immobilizing funds unlikely to occur

The service provided by the insurance companies usually begins and ends with issuing the guarantee. For its part, banks usually require up to 100% fixed assets in the client's current account or other compensations as an additional guarantee to the requested bond, hindering the company's economic fluidity.
4

This insurance is pro rata temporis

That is, it performs ROPs for the period not covered. In contrast, the bank does not usually return any amount when the duration of the guarantee is less than the period invoiced.
5

It is tax deductible

Being an insurance premium, the client can fiscally deduct it with no inconvenience.

If you still have doubts

You just have to contact us with no commitment.
We will resolve any doubts and offer you the surety insurance that best suits your needs.

Bank guarantee vs. RGC vs. surety

BANK GUARANTEE

Computes Bank of Spain Credit Reporting Agency risk, which means a reduction in the credit capacity of the company.
Commissions for opening and for the study.
The guarantee is charged for a full period, without considering the actual duration of the guarantee.
The bidding guarantee must be returned. While it remains in your power, you will continue to pay for it.

RGC

Computes Bank of Spain Credit Reporting Agency, which means a reduction in the credit capacity of the company.
Commissions for opening and for the study.
The company jointly backs the other shareholders (in the case of a bid).
• You have to buy participation (between €500 and €1,000).
Notary fees.
The bidding guarantee must be returned. While it remains in your power, you will continue to pay for it.

SURETY

Does NOT compute Bank of Spain Credit Reporting Agency, which increases credit capacity.
NO commissions of any kind: lower costs.
DOES NOT immobilize financial resources, which can be used for other financial needs.
NO notary expenses will be incurred.
NO shares of any kind will be bought or endorsed by anybody.
• It DOES NOT have to be returned when bidding.

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