Para alguien que necesita liquidez inmediata, la propuesta de B2 Flow es muy atractiva. Lo que más destaca es la rapidez: la verificación de la factura en la DIAN toma menos de dos minutos y la transferencia se realiza en menos de veinticuatro horas. Esto es crucial para mantener la operación de mi negocio sin interrupciones. Además, el hecho de que no sea un préstamo y no afecte mi historial crediticio es un beneficio significativo comparado con los bancos tradicionales. Sin embargo, hay un punto que requiere atención: el valor final a recibir depende del análisis del pagador y su perfil de riesgo. Aunque se menciona que no hay letra pequeña, sería útil saber con mayor antelación cómo se determina ese riesgo antes de firmar la cesión. También me gustaría tener más claridad sobre la modalidad con recurso versus sin recurso en términos de tasas aplicadas, ya que el sitio menciona que la tasa es más baja con recurso, pero no especifica cuánto. En general, parece una excelente herramienta para distribuidores y proveedores de servicios.
Questions about B2 Flow
What is B2 Flow?
B2 Flow is a financial service operating in Colombia that provides cash advances against B2B invoices. Businesses can submit invoices from companies like Éxito, Claro, or Bavaria to receive payment within 24 hours instead of waiting for standard terms. The platform accepts invoices from a range of large, medium, and small companies, with a minimum invoice amount starting around $2 million Colombian pesos.
Which industries and business types are the primary targets for this service?
The service targets sectors such as food distribution, cleaning and maintenance services, input suppliers, and technical and technology services. It is designed for entrepreneurs or merchants who have already made a sale but need immediate funds rather than waiting weeks for payment. The platform specifically serves distributors of food, service providers for corporate buildings, and suppliers of office materials or packaging.
What are the steps to get started and how does the verification process work?
To get started, a user must create a user account and upload the PDF or XML of their electronic invoice. The verification process involves checking the document with the DIAN in less than two minutes. Once verified, the business receives an offer within 30 minutes and can accept it to proceed with the transfer.
How is the final payment amount calculated and what specific fees are deducted?
The platform calculates the advance amount using interest rates, service commissions, and a dilution reserve. For example, on a $5,000,000 invoice, the interest rate is 28% E.A., the service commission is 1.5%, and the dilution reserve is 5%. The final amount received is communicated clearly at the moment of signing the contract and assignment of the invoice.
How long does the entire process take and how can users estimate their payout?
The process from invoice to cash takes three steps: uploading the document, receiving an offer, and transferring funds. The entire process aims to be completed in less than 24 hours. Users can see an approximate value in real-time using a live calculator on the website based on their invoice amount and payment terms.
What problem does B2 Flow aim to solve regarding payment delays in Colombia?
The website states that the average delay in B2B payments in Colombia in 2024 was 52 days according to Cofac. B2 Flow aims to solve this by allowing businesses to receive their money today rather than waiting for the buyer's standard payment terms. The platform operates without banks, queues, or delays.
Which specific companies are accepted as payers and what is the minimum invoice value required?
The platform accepts invoices from major national companies including Éxito, Carulla, Claro, Colombia, Bavaria, Alkosto, Sodimac, Falabella, ETB, and Olímpica. It also accepts invoices from any large or medium-sized company at the national level. The minimum invoice amount to qualify for an advance starts around $2 million Colombian pesos.
What is the current rating and how many reviews are associated with this listing?
The Trustburn rating is 4.2 out of 5 based on 5 reviews. The listing description highlights the ability to receive money in 24 hours and the lack of bank intermediaries. The platform emphasizes a simple process with no small print when communicating the final amount.
What tools are available to estimate the payout before signing?
The platform offers a live calculator that updates instantly to show the approximate value to receive. It also provides a clear breakdown of the deduction for interest, service commission, and dilution reserve. The website explicitly states that the simulation is approximate and the real value depends on the payer's analysis and risk profile.
What specific document formats are required and how is the final payment executed?
The process involves uploading a PDF or XML file of the electronic invoice. After verification, the user accepts the offer and signs a simple document. The client pays B2 Flow directly when the invoice matures. The entire transaction is designed to happen without traditional banking queues.
What specific operational features distinguish this service from traditional banking methods?
The platform claims to operate without banks, queues, or waiting times. It processes invoices in less than 24 hours and verifies documents with the DIAN in under two minutes. The service is described as having zero bank procedures and no waiting lines.
What external data is cited to justify the need for this service?
The website mentions that the average delay in B2B payments in Colombia in 2024 was 52 days according to Cofac. This statistic is used to highlight the need for the service. The platform positions itself as a solution for those who need money now instead of in 45 days.
What are the specific percentages and terms mentioned regarding the payout and registration?
The platform states that the value received today is 91.5% of the invoice value in the example provided. It also notes that the process is free to register for. The website explicitly mentions that the real value depends on the payer's risk profile and will be communicated without small print.
What is the official website of B2 Flow?
The official website of B2 Flow is b2flow.co.
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5 Reviews
¡Increíble! Recibir mi dinero en menos de veinticuatro horas sin filas ni trámites bancosos es un cambio total. La transparencia en la oferta y la claridad del proceso me dan mucha confianza para seguir operando.
Los costos parecen justos con una tasa del 28% y una comisión del 1.5%, pero ¿cómo se calcula exactamente la reserva de dilución según el riesgo?
B2 Flow facilita el acceso a capital de trabajo mediante la cesión de facturas a empresas grandes. El proceso digital permite subir el PDF o XML, recibir una oferta en minutos y obtener el dinero en un día. No se requieren garantías reales ni extractos bancarios extensos, solo una empresa formal con RUT activo.
Desde la información disponible en el sitio web, B2 Flow parece ofrecer una alternativa viable para las empresas que enfrentan retrasos en los pagos B2B. El modelo de factoring se presenta como una venta de factura más que como un préstamo tradicional, lo cual es un punto distintivo importante para quienes buscan no afectar su historial crediticio ni su capacidad de endeudamiento bancario. Lo que llama la atención es la transparencia en los costos: se detalla claramente la tasa de interés del 28% anual, la comisión de servicio del 1.5% y la reserva por dilución del 5%. Aunque estos valores dependen del análisis del pagador, la claridad es alentadora. El proceso de tres pasos parece eficiente, prometiendo una oferta en menos de treinta minutos y el dinero en menos de二十四 horas. Para un empresario que necesita liquidez inmediata sin la complejidad de los bancos tradicionales, esta parece una herramienta sólida y moderna.
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About B2 Flow
B2 Flow is a financial service that provides cash advances against B2B invoices in Colombia. Businesses that have sold goods or services to other companies on credit can submit their invoices to B2 Flow and receive payment within 24 hours instead of waiting for the buyer's standard payment terms. The platform accepts invoices from a range of large, medium, and small companies, with a minimum invoice amount starting around $2 million Colombian pesos. It calculates the advance amount using interest rates, service commissions, and a dilution reserve, and targets sectors such as food distribution, cleaning and maintenance services, input suppliers, and technical and technology services.
- Website
- b2flow.co
- [email protected]
- Categories
- Financial services
