{"id":4033,"date":"2025-12-10T16:09:53","date_gmt":"2025-12-10T16:09:53","guid":{"rendered":"https:\/\/area42.tech\/sin-categorizar\/bnpl-para-comida-y-bebida\/"},"modified":"2026-04-16T14:14:51","modified_gmt":"2026-04-16T13:14:51","slug":"bnpl-para-comida-y-bebida","status":"publish","type":"post","link":"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-comida-y-bebida\/","title":{"rendered":"BNPL para comida y bebida"},"content":{"rendered":"<div class=\"gb-container gb-container-12049e89 sticky-subnav\">\n<div class=\"gb-container gb-container-dbbeeb4e\">\n<div class=\"gb-container gb-container-5fd3dd33\">\n<div class=\"gb-container gb-container-9a8b63e7\">\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/area42.tech\/es\/termstech-condiciones-de-pago-y-bnpl-b2b\/\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/FF-Mixed-colours-with-gold.svg\" alt=\"Logotipo de TermsTech para las condiciones de pago aplazado de AREA42 y su soluci\u00f3n B2B \u00abCompra ahora, paga despu\u00e9s\u00bb (BNPL)\" class=\"wp-image-522\" style=\"width:auto;height:35px\"\/><\/a><\/figure>\n\n\n\n<div class=\"gb-element-ac0a8aa7 subnav-link\"><style>.wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-link-color:var(--base-3);--kb-nav-dropdown-link-color-hover:var(--credendo-orange);--kb-nav-dropdown-background:var(--credendo-eggplant);--kb-nav-dropdown-link-background-hover:var(--base-3);--kb-nav-dropdown-border-top-left-radius:5px;--kb-nav-dropdown-border-top-right-radius:5px;--kb-nav-dropdown-border-bottom-right-radius:5px;--kb-nav-dropdown-border-bottom-left-radius:5px;--kb-nav-dropdown-border-radius-top:5px;--kb-nav-dropdown-border-radius-right:5px;--kb-nav-dropdown-border-radius-bottom:5px;--kb-nav-dropdown-border-radius-left:5px;--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}.header-desktop-transparent .wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}.item-is-stuck .wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}.wp-block-kadence-navigation4005-cpt-id{--kb-nav-top-link-color:var(--credendo-black);--kb-nav-top-link-color-hover:var(--credendo-orange);}.wp-block-kadence-navigation4005-cpt-id > .navigation > .menu-container > .menu > .wp-block-kadence-navigation-link > .kb-link-wrap{font-weight:bold;}.wp-block-kadence-navigation4005-cpt-id .sub-menu > .wp-block-kadence-navigation-link > .kb-link-wrap > .kb-nav-link-content{font-weight:bold;}@media all and (max-width: 1024px){.wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}}@media all and (max-width: 1024px){.header-tablet-transparent .wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}}@media all and (max-width: 1024px){.item-is-stuck .wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}}@media all and (max-width: 767px){.wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}.header-mobile-transparent .wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}.item-is-stuck .wp-block-kadence-navigation4005-cpt-id{--kb-nav-dropdown-toggle-border-left:var(--kb-nav-link-border-left);--kb-nav-top-not-last-link-border-bottom:var(--kb-nav-link-border-bottom);}}<\/style><div class=\"wp-block-kadence-navigation4005-cpt-id kb-nav-desktop-horizontal-layout-standard kb-nav-tablet-horizontal-layout-standard kb-nav-mobile-horizontal-layout-standard navigation-desktop-layout-fill-stretch-false navigation-tablet-layout-fill-stretch-false navigation-mobile-layout-fill-stretch-false navigation-desktop-orientation-horizontal navigation-tablet-orientation-horizontal navigation-mobile-orientation-horizontal wp-block-kadence-navigation\" data-scroll-spy=\"\"><nav class=\"navigation navigation-desktop-style-standard navigation-tablet-style-standard navigation-mobile-style-standard navigation-desktop-dropdown-animation-none navigation-tablet-dropdown-animation-none navigation-mobile-dropdown-animation-none navigation-desktop-collapse-sub-menus-true navigation-tablet-collapse-sub-menus-true navigation-mobile-collapse-sub-menus-true navigation-desktop-parent-toggles-menus-false navigation-tablet-parent-toggles-menus-false navigation-mobile-parent-toggles-menus-false navigation-desktop-parent-active-false navigation-tablet-parent-active-false navigation-mobile-parent-active-false\"><div class=\"menu-container\"><ul class=\"kb-navigation menu collapse-sub-nav-desktop-true collapse-sub-nav-tablet-true collapse-sub-nav-mobile-true\">\n<style>.kb-nav-link-3779_5361ef-3b > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_5361ef-3b > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_5361ef-3b menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/termstech-condiciones-de-pago-y-bnpl-b2b\/soluciones-online-y-offline-de-termstech\/\">Soluciones<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_dae5cd-18 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_dae5cd-18 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_dae5cd-18 menu-item menu-item-has-children wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/\">Casos pr\u00e1cticos<\/a><button aria-label=\"Toggle child menu of Casos pr\u00e1cticos\" class=\"kb-nav-dropdown-toggle-btn\" aria-expanded=\"false\"><svg aria-hidden=\"true\" class=\"kb-nav-arrow-svg\" fill=\"currentColor\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M5.293 9.707l6 6c0.391 0.391 1.024 0.391 1.414 0l6-6c0.391-0.391 0.391-1.024 0-1.414s-1.024-0.391-1.414 0l-5.293 5.293-5.293-5.293c-0.391-0.391-1.024-0.391-1.414 0s-0.391 1.024 0 1.414z\"><\/path><\/svg><\/button><\/div><ul class=\"sub-menu kb-nav-sub-menu\">\n<style>.kb-nav-link-3779_8620bd-d6 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_8620bd-d6 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_8620bd-d6 menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl\/\">Agricultura<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_e637cf-55 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_e637cf-55 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_e637cf-55 menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-productos-electronicos\/\">Electr\u00f3nica<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_ed5433-bd > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_ed5433-bd > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_ed5433-bd menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-eventos-y-hosteleria\/\">Eventos y hosteler\u00eda<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_ebc77d-ae > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_ebc77d-ae > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_ebc77d-ae menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-comida-y-bebida\/\">Alimentaci\u00f3n y bebidas<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_5b7976-70 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_5b7976-70 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_5b7976-70 menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-el-sector-del-transporte-y-la-logistica\/\">Env\u00edos y log\u00edstica<\/a><\/div><\/li>\n<\/ul><\/li>\n\n<style>.kb-nav-link-3779_cfd0a1-be > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_cfd0a1-be > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_cfd0a1-be menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/termstech-condiciones-de-pago-y-bnpl-b2b\/#faq\">FAQ<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_964e4b-38 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_964e4b-38 > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_964e4b-38 menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/credendo-dev.outsystemsenterprise.com\/termstechdocumentation\/\" target=\"_blank\" rel=\"noopener\">Desarrolladores<\/a><\/div><\/li>\n\n<style>.kb-nav-link-3779_77e1cb-bb > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-highlight-order:3;--kb-nav-link-highlight-icon-order:3;}.kb-nav-link-3779_77e1cb-bb > .kb-link-wrap.kb-link-wrap.kb-link-wrap.kb-link-wrap{--kb-nav-link-media-max-width:px;}<\/style><li class=\"kb-nav-link-3779_77e1cb-bb menu-item wp-block-kadence-navigation-link\"><div class=\"kb-link-wrap\"><a class=\"kb-nav-link-content\" href=\"https:\/\/area42.tech\/es\/soluciones-alternativas\/\">Alternativas<\/a><\/div><\/li>\n<\/ul><\/div><\/nav><\/div>\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button primarybut\"><a class=\"wp-block-button__link has-base-3-color has-credendo-orange-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/area42.tech\/es\/habla-con-un-experto\/\" style=\"border-radius:100px\"><strong>Habla con un experto<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-f2c5f36c\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-cfbb0016\">\n<div class=\"gb-grid-column gb-grid-column-4c6e73aa\"><div class=\"gb-container gb-container-4c6e73aa\">\n<div class=\"gb-container gb-container-4475b617\">\n\n<p class=\"eyebrow\">CASOS PR\u00c1CTICOS<\/p>\n\n<\/div>\n\n\n<h1 class=\"wp-block-heading has-area-42-eggplant-color has-text-color\" id=\"we-help-you-build-trust-and-grow\"><strong>Motor de crecimiento para el sector de alimentaci\u00f3n y bebidas<\/strong><\/h1>\n\n\n\n<p><a href=\"https:\/\/www.thebusinessresearchcompany.com\/report\/food-and-beverages-global-market-report\" target=\"_blank\" rel=\"noreferrer noopener\">El valor estimado<\/a> de la industria de alimentos y bebidas era de 5,34 billones de euros en 2022. Esta cifra ascender\u00e1 a 8,47 billones de euros en 2027. <\/p>\n\n\n\n<p>Tradicionalmente, las tiendas f\u00edsicas se han dedicado a la compraventa al por mayor de alimentos y bebidas. El cr\u00e9dito comercial se ha ofrecido manualmente.  <\/p>\n\n\n\n<p>Sin embargo, esto cambi\u00f3 en 2020, cuando asistimos a un cambio masivo hacia las compras en l\u00ednea. Las compras en l\u00ednea aumentaron un 51,6% interanual en el caso de los alimentos y un 39,3% en el de las bebidas.  <\/p>\n\n\n\n<p>A pesar de ello, las opciones de pago aplazado en el mercado B2B de alimentaci\u00f3n y bebidas siguen sin ser la oferta est\u00e1ndar para los compradores. Los bancos no han respondido a la creciente demanda de cr\u00e9dito comercial en l\u00ednea. <\/p>\n\n\n\n<p>La buena noticia es que esto est\u00e1 cambiando r\u00e1pidamente. Empresas como <a href=\"https:\/\/area42.tech\/es\/termstech-condiciones-de-pago-y-bnpl-b2b\/\" data-type=\"page\" data-id=\"247\">TermsTech<\/a> han desarrollado una soluci\u00f3n beneficiosa para compradores y vendedores. Los compradores aplazan el pago hasta m\u00e1s tarde con el cr\u00e9dito comercial digital mediante condiciones de pago. Mientras tanto, los vendedores reciben dinero en efectivo por adelantado.   <\/p>\n\n\n\n<div class=\"gb-element-a2dfceaa\">\n<a class=\"gb-text gb-text-31971ab9 primaryb\" href=\"https:\/\/area42.tech\/es\/contactanos\/\"><strong>Cont\u00e1ctanos<\/strong><\/a>\n\n\n\n<a class=\"gb-text gb-text-552cbf21 primaryb\" href=\"https:\/\/area42.tech\/es\/habla-con-un-experto\/\"><strong>Habla con un experto<\/strong><\/a>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-cf078157\"><div class=\"gb-container gb-container-cf078157 hide-on-mobile \">\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"781\" height=\"548\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage_header.png\" alt=\"\" class=\"wp-image-1865\" srcset=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage_header.png 781w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage_header-300x210.png 300w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage_header-768x539.png 768w\" sizes=\"auto, (max-width: 781px) 100vw, 781px\" \/><\/figure>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-324a77a0\">\n<div class=\"gb-container gb-container-00a0f03e\">\n<div class=\"gb-container gb-container-ec367d79\">\n\n<div class=\"gb-element-f8ccafba\">\n<div class=\"gb-element-0690f3b7\">\n<div class=\"gb-element-fbcaa349\">\n<figure class=\"wp-block-image size-full cardtitleimage\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/CPM-BNPL-selected.svg\" alt=\"\" class=\"wp-image-1651\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"gb-element-93f2dfa7\">\n<h3 class=\"wp-block-heading has-base-3-color has-text-color has-link-color wp-elements-b96c6988ff1e7623267399949b7e9e83\" id=\"report\">Here\u2019s how it works for businesses in food &amp; beverage<\/h3>\n\n\n\n<p class=\"has-base-3-color has-text-color has-link-color wp-elements-16c037b8d31a3701f83e8b50b889f904\">Integra las condiciones de pago de Terms.Tech en tu proceso de pago en l\u00ednea. Esto te permite ofrecer cr\u00e9dito comercial a los compradores en l\u00ednea. Si tus compradores eligen pagar a plazo, pueden aplazar el pago de su compra hasta 120 d\u00edas.  <\/p>\n\n\n\n<p class=\"has-base-3-color has-text-color has-link-color wp-elements-bb4cb164a67ba5113f83d68a192424b2\">Sin embargo, los vendedores reciben el pago en el momento del env\u00edo. Posteriormente, los compradores nos devuelven el dinero seg\u00fan las condiciones que hayan elegido.  <\/p>\n\n\n\n<p class=\"has-base-3-color has-text-color has-link-color wp-elements-2910c7961fac675e1f367f6c3ee98d10\">Nuestra soluci\u00f3n de pago aplazado a medida se adapta a todas tus necesidades. \u00bfEl resultado? No tienes que preocuparte por la evaluaci\u00f3n crediticia, la financiaci\u00f3n, la protecci\u00f3n contra el fraude, la gesti\u00f3n del riesgo, los pagos ni el recobro de deudas.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"gb-container gb-container-adefba55\">\n\n<h2 class=\"wp-block-heading\" id=\"benefits-of-po-financing\">5 razones para elegir TermsTech como tu proveedor de soluciones de pago aplazado<\/h2>\n\n<\/div>\n\n\n<div class=\"gb-element-67e1b246\">\n<div class=\"gb-element-d1eba492\">\n<div class=\"gb-element-d90a043e\">\n<figure class=\"wp-block-image size-full is-resized cardtitleimage\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/icon_newmarkets.svg\" alt=\"Icono de estrella de AREA42\" class=\"wp-image-1201\" style=\"width:auto;height:68px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\" id=\"immediate-working-capital\">Mejorar la experiencia del cliente<\/h3>\n\n\n\n<p>A los clientes B2B les encanta pagar a cr\u00e9dito. Ofrece las condiciones de pago de TermsTech en tu proceso de pago y mira c\u00f3mo aumentan tus tasas de conversi\u00f3n a la vez que atraes a nuevos clientes. Flexible. R\u00e1pido. F\u00e1cil de usar.    <\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-f57bf101\">\n<figure class=\"wp-block-image size-full is-resized cardtitleimage\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/icon_raise.svg\" alt=\"Icono de aumento de AREA42\" class=\"wp-image-1171\" style=\"width:auto;height:68px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\" id=\"retain-equity\">Mayor tama\u00f1o de las transacciones = mayores ingresos<\/h3>\n\n\n\n<p>Sin ofrecer condiciones de pago, s\u00f3lo unos pocos clientes B2B se atrever\u00edan a realizar grandes transacciones. Nuestra estrategia de l\u00edmite de cr\u00e9dito de hasta 200 000 EUR facilita la decisi\u00f3n de compra. <\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-27aad050\">\n<figure class=\"wp-block-image size-full is-resized cardtitleimage\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/picto_score.svg\" alt=\"Icono del veloc\u00edmetro de AREA42\" class=\"wp-image-1170\" style=\"width:auto;height:68px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\" id=\"collateral-free-credit\">Flujo de fondos r\u00e1pido y constante<\/h3>\n\n\n\n<p>La tesorer\u00eda y el capital circulante son fundamentales para el \u00e9xito de una empresa. Te pagamos por adelantado y el comprador nos devuelve el dinero en plazos de hasta 120 d\u00edas. Tanto t\u00fa como tus clientes sal\u00eds ganando.  <\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-c2b1773b\">\n<figure class=\"wp-block-image size-full is-resized cardtitleimage\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/icon_dollar.svg\" alt=\"Icono de efectivo de AREA42\" class=\"wp-image-1177\" style=\"width:auto;height:68px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\" id=\"accept-large-purchase-orders\">Comprobaci\u00f3n de cr\u00e9dito m\u00e1s precisa<\/h3>\n\n\n\n<p>Da a tu empresa la reputaci\u00f3n que se merece. Gracias a nuestra herramienta interna de evaluaci\u00f3n de la elegibilidad, puedes estar seguro de que s\u00f3lo concedemos condiciones de pago a quienes tienen una buena calificaci\u00f3n crediticia. Nuestro proceso no s\u00f3lo es rapid\u00edsimo, sino que te libera de la presi\u00f3n de realizar tus propias comprobaciones.  <\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-a572604d\">\n<figure class=\"wp-block-image size-full is-resized cardtitleimage\"><img decoding=\"async\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/icon_equity.svg\" alt=\"Icono de saldo de AREA42\" class=\"wp-image-1176\" style=\"width:auto;height:68px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\" id=\"cheaper-supplier-conditions\">Condiciones sin riesgo<\/h3>\n\n\n\n<p>\u00bfAlg\u00fan impago? \u00a1Ese ya no es tu problema! Nuestra soluci\u00f3n comprar ahora y pagar despu\u00e9s (BNPL) no te supone ning\u00fan riesgo. Cualquier impago por fraude o falta de pago corre de nuestra cuenta. De este modo puedes reducir el riesgo y concentrarte en lo que mejor sabes hacer. Terms.Tech te ayuda a construir tu negocio de forma inteligente y segura.     <\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-6886da9a\"><\/div>\n<\/div>\n\n\n\n<a class=\"gb-text gb-text-b6371987 primaryb\" href=\"https:\/\/area42.tech\/es\/habla-con-un-experto\/\"><strong>Programa una reuni\u00f3n<\/strong><\/a>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-1f08a383\">\n<div class=\"gb-container gb-container-2d220ddf\">\n<div class=\"gb-container gb-container-687a13ae\">\n<div class=\"gb-container gb-container-d1b33ce0\">\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"contact-us\">Cont\u00e1ctanos<\/h2>\n\n\n\n<div class=\"gb-element-33af3dc2\">\n<div class=\"gb-element-c4d6a499\">\n<div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"329\" height=\"278\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/Wouter_contact.png\" alt=\"\" class=\"wp-image-245\" srcset=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/Wouter_contact.png 329w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/Wouter_contact-300x253.png 300w\" sizes=\"auto, (max-width: 329px) 100vw, 329px\" \/><\/figure>\n<\/div>\n\n\n\n<div>\n<h3 class=\"wp-block-heading\" id=\"hi-im-wouter\">\u00a1Hola, me llamo Afonso!<\/h3>\n\n\n\n<p>Me encantar\u00eda hablar sobre c\u00f3mo podemos ayudar a su empresa con nuestras soluciones de capital circulante. Espero poder conocerle y responder a todas sus preguntas sobre AREA42. <\/p>\n\n\n\n<div class=\"gb-element-31319d0d\">\n<a class=\"gb-text gb-text-caa082f8 primaryb\" href=\"https:\/\/area42.tech\/es\/contactanos\/\"><strong>Cont\u00e1ctanos<\/strong><\/a>\n\n\n\n<a class=\"gb-text gb-text-bc89b41d primaryb\" href=\"https:\/\/area42.tech\/es\/habla-con-un-experto\/\"><strong>Habla con un experto<\/strong><\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-2559f0fc\">\n<div class=\"gb-container gb-container-9e0ea893\">\n\n<h4 class=\"wp-block-heading has-contrast-color has-text-color\" style=\"text-transform:uppercase\">OTROS CASOS PR\u00c1CTICOS<\/h4>\n\n\n\n<div class=\"gb-query-2099bf49\"><div class=\"gb-looper-a9e04454\">\n<div class=\"gb-loop-item gb-loop-item-8da72ccb post-4028 post type-post status-publish format-standard has-post-thumbnail hentry category-casos-practicos\">\n<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"525\" data-media-id=\"4027\" class=\"gb-media-656da67f\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-shipping-and-logistics-Thumbnail.png\" alt=\"BNPL para el sector del transporte y la log\u00edstica\" srcset=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-shipping-and-logistics-Thumbnail.png 800w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-shipping-and-logistics-Thumbnail-300x197.png 300w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-shipping-and-logistics-Thumbnail-768x504.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\n\n\n\n<div class=\"gb-element-665cee16\"><div class=\"taxonomy-category catarticle wp-block-post-terms\"><a href=\"https:\/\/area42.tech\/es\/category\/casos-practicos\/\" rel=\"tag\">Casos pr\u00e1cticos<\/a><\/div>\n\n\n<h4 class=\"gb-text gb-text-98240a1f\"><a href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-el-sector-del-transporte-y-la-logistica\/\">BNPL para el sector del transporte y la log\u00edstica<\/a><\/h4>\n\n\n<div class=\"gb-container gb-container-6d37c421\">\n<div class=\"post-author wp-block-post-author\"><div class=\"wp-block-post-author__avatar\"><img alt='AREA42 icon' src='https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/cropped-A42-web-1-24x24.png' srcset='https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/cropped-A42-web-1-48x48.png 2x' class='avatar avatar-24 photo' height='24' width='24' \/><\/div><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__name\">AREA42<\/p><\/div><\/div>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2025-12-10T16:17:24+00:00\">10 de diciembre de 2025<\/time><\/div>\n<\/div>\n\n\n<a class=\"gb-text gb-text-b93f6397\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-el-sector-del-transporte-y-la-logistica\/\"><strong>Leer el art\u00edculo<\/strong><\/a>\n<\/div>\n<\/div>\n\n<div class=\"gb-loop-item gb-loop-item-8da72ccb post-4033 post type-post status-publish format-standard has-post-thumbnail hentry category-casos-practicos\">\n<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"525\" data-media-id=\"4032\" class=\"gb-media-656da67f\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage-Thumbnail.png\" alt=\"BNPL para comida y bebida\" srcset=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage-Thumbnail.png 800w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage-Thumbnail-300x197.png 300w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-food-and-beverage-Thumbnail-768x504.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\n\n\n\n<div class=\"gb-element-665cee16\"><div class=\"taxonomy-category catarticle wp-block-post-terms\"><a href=\"https:\/\/area42.tech\/es\/category\/casos-practicos\/\" rel=\"tag\">Casos pr\u00e1cticos<\/a><\/div>\n\n\n<h4 class=\"gb-text gb-text-98240a1f\"><a href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-comida-y-bebida\/\">BNPL para comida y bebida<\/a><\/h4>\n\n\n<div class=\"gb-container gb-container-6d37c421\">\n<div class=\"post-author wp-block-post-author\"><div class=\"wp-block-post-author__avatar\"><img alt='AREA42 icon' src='https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/cropped-A42-web-1-24x24.png' srcset='https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/cropped-A42-web-1-48x48.png 2x' class='avatar avatar-24 photo' height='24' width='24' \/><\/div><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__name\">AREA42<\/p><\/div><\/div>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2025-12-10T16:09:53+00:00\">10 de diciembre de 2025<\/time><\/div>\n<\/div>\n\n\n<a class=\"gb-text gb-text-b93f6397\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-comida-y-bebida\/\"><strong>Leer el art\u00edculo<\/strong><\/a>\n<\/div>\n<\/div>\n\n<div class=\"gb-loop-item gb-loop-item-8da72ccb post-4038 post type-post status-publish format-standard has-post-thumbnail hentry category-casos-practicos\">\n<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"525\" data-media-id=\"4037\" class=\"gb-media-656da67f\" src=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-events-and-hospitality-Thumbnail.png\" alt=\"BNPL para eventos y hosteler\u00eda\" srcset=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-events-and-hospitality-Thumbnail.png 800w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-events-and-hospitality-Thumbnail-300x197.png 300w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/BNPL-for-events-and-hospitality-Thumbnail-768x504.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\n\n\n\n<div class=\"gb-element-665cee16\"><div class=\"taxonomy-category catarticle wp-block-post-terms\"><a href=\"https:\/\/area42.tech\/es\/category\/casos-practicos\/\" rel=\"tag\">Casos pr\u00e1cticos<\/a><\/div>\n\n\n<h4 class=\"gb-text gb-text-98240a1f\"><a href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-eventos-y-hosteleria\/\">BNPL para eventos y hosteler\u00eda<\/a><\/h4>\n\n\n<div class=\"gb-container gb-container-6d37c421\">\n<div class=\"post-author wp-block-post-author\"><div class=\"wp-block-post-author__avatar\"><img alt='AREA42 icon' src='https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/cropped-A42-web-1-24x24.png' srcset='https:\/\/area42.tech\/wp-content\/uploads\/2025\/11\/cropped-A42-web-1-48x48.png 2x' class='avatar avatar-24 photo' height='24' width='24' \/><\/div><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__name\">AREA42<\/p><\/div><\/div>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2025-12-10T15:59:07+00:00\">10 de diciembre de 2025<\/time><\/div>\n<\/div>\n\n\n<a class=\"gb-text gb-text-b93f6397\" href=\"https:\/\/area42.tech\/es\/casos-practicos\/bnpl-para-eventos-y-hosteleria\/\"><strong>Leer el art\u00edculo<\/strong><\/a>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<div class=\"gb-container gb-container-60bede6b\">\n\n<div class=\"wp-block-rank-math-toc-block aligncenter tableofcontent\" id=\"rank-math-toc\"><h4>\u00cdndice<\/h4><nav><ul><li class=\"\"><a href=\"#we-help-you-build-trust-and-grow\">Motor de crecimiento para el sector de alimentaci\u00f3n y bebidas<\/a><ul><li class=\"\"><a href=\"#report\">Here\u2019s how it works for businesses in food &amp; beverage<\/a><\/li><li class=\"\"><a href=\"#immediate-working-capital\">Mejorar la experiencia del cliente<\/a><\/li><li class=\"\"><a href=\"#retain-equity\">Mayor tama\u00f1o de las transacciones = mayores ingresos<\/a><\/li><li class=\"\"><a href=\"#collateral-free-credit\">Flujo de fondos r\u00e1pido y constante<\/a><\/li><li class=\"\"><a href=\"#accept-large-purchase-orders\">Comprobaci\u00f3n de cr\u00e9dito m\u00e1s precisa<\/a><\/li><li class=\"\"><a href=\"#cheaper-supplier-conditions\">Condiciones sin riesgo<\/a><\/li><li class=\"\"><a href=\"#hi-im-wouter\">\u00a1Hola, me llamo Afonso!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00bfQuieres mejorar tu flujo de caja? \u00bfTe interesa el modelo \u00abcompra ahora, paga despu\u00e9s\u00bb (BNPL) para empresas? TermsTech, de AREA42, permite a las empresas del sector de la alimentaci\u00f3n y las bebidas ofrecer condiciones de pago flexibles y aplazadas.  <\/p>\n","protected":false},"author":3,"featured_media":4032,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[45],"tags":[],"class_list":["post-4033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casos-practicos"],"_links":{"self":[{"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/posts\/4033","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/comments?post=4033"}],"version-history":[{"count":7,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/posts\/4033\/revisions"}],"predecessor-version":[{"id":4071,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/posts\/4033\/revisions\/4071"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/media\/4032"}],"wp:attachment":[{"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/media?parent=4033"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/categories?post=4033"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/tags?post=4033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}