Fitrust®


Due to the difficulties to obtain means of funding, has turn over essential look for an alternative and new financial ways to manage productive investments that allow the growth and development of the companies at short, average or long term. In front of this need, the fideicommissum is a good and simple solution. This word becomes from fides (faith) and comittio (commission), showing the role that plays the confidence in an operation that is based essentially in her.

Fitrust® is an ideal solution for those organizations that sell their products in payments, such as appliances, credits, cars, houses, etc. The operation could be described by this way: a final consumer buys a product in payments, therefore, will maintain a debt with the company which bought the product, remaining earring a “promise” of payment. The institution that sold the product, remain with the promise that finally will convert in money when the consumer pays their quotas.

This company that sold the product –the beneficiary- has the possibility to transfer these quotas that are pending to a fiduciary –such as banks or financial- to obtain liquidity, it means that receive the value of the quotas before, and obtain the money.

The beneficiary will follow earning the quotas that pay the consumer, but has to transfer him this value to the fiduciary. To administer these operations is that exist the solution FiTrust®, that realizes the following tasks:

• Allows selecting quotas to sell, that means that it combines different variables depending on the payment ´s behaviour of the consumers, calculates interests, expirations, capitals, etc. For example, can sell the quota 5 and 10 from a consumer, without need that were all of that or correlatives.
  
  
• Help in the transfer of the collection of quotas to the fiduciary, since it gives countable notices so that the countable system central could countabilize it.