{"id":4048,"date":"2025-12-08T09:18:22","date_gmt":"2025-12-08T09:18:22","guid":{"rendered":"https:\/\/area42.tech\/sin-categorizar\/bnpl\/"},"modified":"2026-04-16T14:18:07","modified_gmt":"2026-04-16T13:18:07","slug":"bnpl","status":"publish","type":"post","link":"https:\/\/area42.tech\/es\/casos-practicos\/bnpl\/","title":{"rendered":"BNPL para agr\u00edcola"},"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 del sector agr\u00edcola<\/strong><\/h1>\n\n\n\n<p class=\"has-area-42-eggplant-color has-text-color\">La industria agr\u00edcola desempe\u00f1a un papel vital en la alimentaci\u00f3n de la poblaci\u00f3n mundial. <a href=\"https:\/\/www.researchandmarkets.com\/reports\/5781383\/agriculture-global-market-report\" target=\"_blank\" rel=\"noreferrer noopener\">Est\u00e1 valorada<\/a> en m\u00e1s de 11,24 billones de euros y se prev\u00e9 que crezca hasta los 17,25 billones de euros en 2027. A medida que aumenta la demanda de productos agr\u00edcolas, agricultores y proveedores se enfrentan a diversos retos de gesti\u00f3n de tesorer\u00eda, en particular las temporadas, la inversi\u00f3n en equipos agr\u00edcolas muy necesarios y las fluctuaciones del mercado. <\/p>\n\n\n\n<p>Hoy, puedes optimizar los pagos a agricultores y proveedores agr\u00edcolas ofreciendo una opci\u00f3n de pago aplazado. La innovadora soluci\u00f3n de comercio digital de <a href=\"https:\/\/area42.tech\/es\/termstech-condiciones-de-pago-y-bnpl-b2b\/\" data-type=\"page\" data-id=\"247\">TermsTech<\/a> beneficia a los agentes del sector agr\u00edcola al ofrecer a sus clientes un mayor poder adquisitivo para acceder a los insumos y equipos que necesitan, sin ning\u00fan pago por adelantado. Esto les permitir\u00e1 invertir m\u00e1s en semillas de calidad, fertilizantes y maquinaria. En consecuencia, aumentar\u00e1n la productividad y los rendimientos.  <\/p>\n\n\n\n<p>Si optas por ofrecer condiciones de pago ampliadas, podr\u00e1s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>proporcionar a tus clientes una mayor estabilidad financiera<\/li>\n\n\n\n<li>ayudar a los agricultores a gestionar eficazmente la estacionalidad y las fluctuaciones del mercado<\/li>\n\n\n\n<li>transferirnos el riesgo de impagos o fraude<\/li>\n\n\n\n<li>permitir el aumento de los l\u00edmites de compra para grandes inversiones<\/li>\n<\/ul>\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\/Agriculture_header.png\" alt=\"\" class=\"wp-image-1666\" srcset=\"https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/Agriculture_header.png 781w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/Agriculture_header-300x210.png 300w, https:\/\/area42.tech\/wp-content\/uploads\/2025\/12\/Agriculture_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-4f9671d20725116c8ec40ce419150ef1\" id=\"report\">As\u00ed es como funciona para el sector agr\u00edcola<\/h3>\n\n\n\n<p class=\"has-base-3-color has-text-color has-link-color wp-elements-63a74286afbae4d9ad3250def4eae214\">Integra TermsTech en tu plataforma en l\u00ednea relacionada con productos o servicios agr\u00edcolas. Entonces podr\u00e1s ofrecer nuestra soluci\u00f3n de condiciones de pago a las organizaciones clientes que necesiten flexibilidades de pago.  <\/p>\n\n\n\n<p class=\"has-base-3-color has-text-color has-link-color wp-elements-08e7dc4967ead81c5dfcdc56d2b389ec\">Cuando una empresa del sector agr\u00edcola necesita adquirir un bien o servicio, TermsTech paga por adelantado al proveedor a trav\u00e9s de tu plataforma. Despu\u00e9s, la empresa compradora nos abona el importe seg\u00fan las condiciones de pago elegidas (hasta 120 d\u00edas). As\u00ed, el vendedor cobra a tiempo y el comprador puede gestionar su tesorer\u00eda y su back office de forma m\u00e1s eficiente.  <\/p>\n\n\n\n<p class=\"has-base-3-color has-text-color has-link-color wp-elements-e64f59fca252a7276b3d9cb3d6955a4e\">Nuestra soluci\u00f3n de pago aplazado se adapta a tus necesidades, para que no tengas 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.<\/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 del sector agr\u00edcola<\/a><ul><li class=\"\"><a href=\"#report\">As\u00ed es como funciona para el sector agr\u00edcola<\/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>Las empresas del sector agr\u00edcola se benefician de la innovadora soluci\u00f3n BNPL de TermsTech: ofrecen condiciones de pago para mejorar el flujo de caja, aumentar las ventas y crecer.<\/p>\n","protected":false},"author":3,"featured_media":4046,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[45],"tags":[],"class_list":["post-4048","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\/4048","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=4048"}],"version-history":[{"count":9,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/posts\/4048\/revisions"}],"predecessor-version":[{"id":4077,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/posts\/4048\/revisions\/4077"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/media\/4046"}],"wp:attachment":[{"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/media?parent=4048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/categories?post=4048"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/area42.tech\/es\/wp-json\/wp\/v2\/tags?post=4048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}