Finaktiva.com Review

Based on looking at the website Finaktiva.com, it appears to be a financial management and liquidity platform designed for businesses.

The site emphasizes centralized financial management, cash flow administration, supplier payments, and access to liquidity through various financing solutions.

Here’s a summary of the Finaktiva.com review:

• Overall Review: The website primarily promotes interest-based financial solutions such as lines of credit, factoring, and financing, which involve Riba interest. Such practices are impermissible and carry severe consequences in Islam. While the platform aims to centralize financial management, its core offerings are built upon a foundation that is not ethically sound.
• Ethical Compliance Islamic Perspective: Not Recommended. The core services offered by Finaktiva.com, specifically “líneas de capital de trabajo” working capital lines, “adelanto de facturas” invoice factoring, and “financiación de proveedores” supplier financing, inherently involve interest Riba or transactions with excessive uncertainty Gharar, both of which are strictly forbidden in Islamic finance. Engaging in such financial instruments is considered a major sin.
• Transparency: The website clearly outlines its offerings, but it doesn’t provide explicit details on Sharia compliance, which is expected given its focus on interest-based finance.
• User Experience: The website design is professional and easy to navigate, with clear calls to action.
• Customer Support: Options for contact include phone, a help center, and scheduling a call.

For businesses seeking ethical financial management tools, it is crucial to avoid platforms that rely on interest-based transactions.

Instead, explore Sharia-compliant alternatives that promote true partnership, risk-sharing, and asset-backed financing.

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Here are some better alternatives for ethical business management and financing:

• Islamic Finance Institutions: These institutions offer Sharia-compliant alternatives like Murabaha cost-plus financing, Mudarabah profit-sharing, Musharakah joint venture, Ijarah leasing, and Sukuk Islamic bonds. They focus on asset-backed transactions and risk-sharing, avoiding interest.
• Halal Business Consultants: For guidance on structuring business operations and financing in an ethically permissible manner, consulting with experts in Islamic business ethics is crucial. They can help businesses find Sharia-compliant funding and operational models.
• Project Management Software: For managing projects, tasks, and team collaboration, ethical software solutions like Asana or Trello can be invaluable. These tools help streamline operations without engaging in forbidden financial practices.
• Cloud-based Accounting Software: To centralize financial data and manage accounts receivables/payables without resorting to interest, solutions like QuickBooks Online or Xero offer robust features for tracking income, expenses, and generating financial reports.
• Supply Chain Management Software: For optimizing supply chain processes, managing inventory, and coordinating with suppliers, ethical platforms like SAP Ariba or Oracle SCM Cloud can provide comprehensive solutions, ensuring transparency and efficiency in logistics and procurement.
• Customer Relationship Management CRM Software: To enhance customer relationships and manage sales pipelines, ethical CRM systems like Salesforce or HubSpot CRM are excellent choices. They help businesses grow by improving customer interactions and retention.
• Enterprise Resource Planning ERP Systems: For integrated management of core business processes, ERP systems like Odoo or Microsoft Dynamics 365 can provide a holistic view of operations, including finance, human resources, manufacturing, and supply chain, all while allowing businesses to adhere to ethical principles in their internal operations.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Finaktiva.com Review & First Look: Understanding the Core Offerings

Finaktiva.com positions itself as a comprehensive financial management and liquidity platform for businesses.

Upon first glance, the website’s clean design and straightforward language make it easy to understand its stated purpose.

The platform aims to centralize financial information, manage cash flow, streamline supplier payments, and provide access to various liquidity solutions.

The primary target audience appears to be small to medium-sized enterprises SMEs looking to optimize their working capital and gain better control over their financial operations.

The emphasis is on real-time data, integration capabilities with existing systems, and automated processes. Eboost.com Review

Centralized Financial Management: A Glimpse

One of the key selling points highlighted on Finaktiva.com is “Gestión Financiera Centralizada.” This feature promises to consolidate financial data from various sources, including electronic invoicing, bank accounts, and accounting information, into a single, real-time platform.

• Data Integration: The site claims integration with “facturación electrónica, cuentas de banco e información contable,” suggesting a holistic view of a business’s financial health.
• Real-time Insights: The promise of “instantánea y en tiempo real” data aims to provide businesses with immediate visibility into their financial standing, helping them make quicker, informed decisions.
• Operational Efficiency: Centralization inherently reduces manual effort and potential errors associated with managing disparate financial records.

Liquidity Solutions: The Ethical Pitfall

While the website details various “Nuestras soluciones” such as “Supply Chain Finance,” “Soluciones de liquidez,” and “Factoring internacional,” these fundamentally involve interest-based mechanisms, which are strictly forbidden.

• Supply Chain Finance: This solution is described as optimizing working capital cycles by accessing “fuentes de financiación multibanca.” This typically involves discounting invoices or providing early payments to suppliers in exchange for a fee that often includes an interest component.
• Soluciones de liquidez: These are presented as “líneas de capital de trabajo, adelanto de facturas y financiación de proveedores.” Each of these explicitly mentions “financiación” or “adelanto” which, in conventional finance, are interest-bearing facilities. For example, “adelanto de facturas” invoice factoring means selling outstanding invoices to a third party at a discount to get immediate cash. The discount rate often contains an embedded interest charge.
• Factoring internacional: This solution targets exporters seeking to “anticipar el flujo de sus facturas internacionales, obteniendo liquidez inmediata sin afectar su capacidad de endeudamiento.” This is another form of invoice discounting, where the immediate liquidity comes at a cost, usually an interest-like fee, making it impermissible.

The presence of these interest-laden financial products renders the platform unsuitable from an ethical standpoint for those adhering to Sharia principles.

Finaktiva.com Cons: Key Areas of Concern

While Finaktiva.com presents itself as a robust financial management solution, its primary offerings fall into categories that are impermissible due to the involvement of Riba interest. This is the most significant drawback for any individual or business seeking ethical, Sharia-compliant financial operations.

Riba-Based Financial Products

The core services of Finaktiva.com revolve around providing liquidity and financing through methods like working capital lines, invoice factoring, and supplier financing. Allybot.io Review

All these methods, in their conventional form, are predicated on charging interest for the use of money, which is explicitly forbidden in Islamic finance.

• Working Capital Lines: These are essentially loans where a business pays interest on the amount borrowed.
• Invoice Factoring: While it might seem like a sale of an asset invoice, the underlying transaction often involves a discount that functions as interest for early payment, blurring the lines and often being considered Riba. For example, if a business sells a $1,000 invoice due in 30 days for $980 today, that $20 difference for the time value of money is akin to interest.
• Supplier Financing: Similar to factoring, this provides early payment to suppliers, typically for a fee that is an interest charge.

According to the Islamic Fiqh Academy, any increase on a loan without a legitimate trade or service rendered is considered Riba.

Therefore, the very foundation of Finaktiva’s financing solutions makes them unacceptable.

Lack of Sharia Compliance Information

The website makes no mention of Sharia compliance, Islamic finance principles, or ethical alternatives to interest-based financing.

This absence confirms that the platform operates within conventional financial frameworks, which do not align with Islamic ethical guidelines. M7speed.com Review

• No Disclosures: There are no sections or statements on the website discussing adherence to ethical finance, social responsibility, or a Sharia board, which would be crucial for a platform claiming to offer truly ethical financial services.
• Conventional Terminology: The consistent use of terms like “financiación” financing and “líneas de capital” capital lines without any qualification typically denotes interest-bearing arrangements.

Limited Transparency on Pricing Structures

While the website outlines its services, it does not offer detailed pricing structures for its financing solutions directly on the homepage.

Users are prompted to “Quiero saber más” or “Comenzar ahora,” which leads to deeper pages or registration.

• Hidden Costs: The lack of transparent pricing for financing could mean hidden or complex interest calculation methods, which further complicate the ethical assessment. Businesses would need to dive deep into contractual agreements to understand the full cost, which almost certainly includes interest.
• Reliance on External Factors: The actual rates for “liquidez” are likely dependent on external factors like market interest rates and the applicant’s creditworthiness, making them variable and potentially high.

Finaktiva.com Alternatives: Ethical Business Solutions

For businesses seeking to manage their finances and achieve liquidity in an ethically permissible manner, it is crucial to avoid interest-based platforms like Finaktiva.com.

Instead, focus on solutions that align with Islamic finance principles, promoting risk-sharing, asset-backed transactions, and genuine partnerships.

Here are some categories of ethical alternatives that can help businesses thrive without engaging in Riba interest or excessive Gharar uncertainty. Buildsworthseo.com Review

Halal Financing Options

Instead of conventional loans or factoring, businesses should explore Sharia-compliant financial instruments offered by Islamic banks and ethical finance institutions.

• Murabaha Cost-Plus Financing: This is a common ethical financing method where a financier purchases an asset e.g., equipment, inventory on behalf of the client and then sells it to the client at a mutually agreed-upon cost plus a legitimate profit margin. There is no interest involved. rather, it’s a legitimate sale transaction.
  • Pros: Clear pricing, asset-backed, avoids Riba.
  • Cons: Requires asset ownership by the financier, potentially more paperwork.
  • Example Provider: Consult local Islamic banks or financial institutions specializing in Murabaha.
• Musharakah Joint Venture/Partnership: A profit-and-loss sharing partnership where two or more parties contribute capital to a venture. Profits are shared according to a pre-agreed ratio, while losses are shared based on capital contribution.
  • Pros: True partnership, encourages shared risk and reward, highly ethical.
  • Cons: Requires careful structuring and trust, potential for disputes if not managed well.
  • Example Provider: Often structured directly between businesses or facilitated by Islamic finance experts.
• Mudarabah Profit-Sharing: One party Rabb-ul-Maal provides capital, and the other party Mudarib provides expertise and management. Profits are shared according to a pre-agreed ratio, but losses are borne solely by the capital provider, unless due to the Mudarib’s negligence.
  • Pros: Leverages expertise, encourages entrepreneurial spirit.
  • Cons: Capital provider bears all financial risk, requires transparency from Mudarib.
  • Example Provider: Less common for direct business financing, often seen in investment funds.
• Ijarah Leasing: An Islamic leasing contract where the financier purchases an asset and then leases it to the client for a specified period for a fixed rental fee. At the end of the lease, ownership can be transferred to the client.
  • Pros: Asset-backed, avoids Riba, suitable for equipment and property.
  • Cons: Can be less flexible than conventional leasing, specific conditions apply.
  • Example Provider: Check with Islamic finance institutions for Ijarah facilities for equipment or real estate.
• Sukuk Islamic Bonds: Asset-backed securities that represent ownership in tangible assets, rather than debt. They provide returns to investors based on the underlying asset’s performance or rental income, not interest.
  • Pros: Allows businesses to raise large capital ethically, attractive to ethical investors.
  • Cons: Complex to structure, typically for larger businesses.
  • Example Provider: Issued by governments and large corporations through Islamic investment banks.

Ethical Cash Flow Management Tools

Instead of relying on interest-based liquidity solutions, businesses can use robust financial management software to optimize their cash flow internally and predict needs more accurately.

• QuickBooks Online: A widely used cloud-based accounting software that helps businesses track income and expenses, manage invoices, monitor cash flow, and generate financial reports. It focuses on internal financial management without promoting interest-based financing.
  • Key Features: Invoicing, expense tracking, cash flow monitoring, financial reporting, payroll integration.
  • Price: Various subscription tiers, typically starting from $30/month.
  • Pros: User-friendly, comprehensive features, excellent reporting, widely integrated with other business tools.
  • Cons: Can be costly for larger businesses, steep learning curve for advanced features.
• Xero: Another popular cloud-based accounting platform offering similar features to QuickBooks, with a strong emphasis on bank reconciliation and user-friendliness.
  • Key Features: Bank reconciliation, invoicing, expense management, inventory, payroll, multi-currency support.
  • Price: Monthly subscription plans, typically starting around $13/month.
  • Pros: Intuitive interface, strong bank feeds, good for small businesses, excellent mobile app.
  • Cons: Limited advanced features compared to some enterprise solutions, payroll add-on can increase cost.

Ethical Supply Chain and Vendor Management

Managing supplier payments and supply chain efficiency ethically means avoiding predatory financing and focusing on fair trade and timely payments.

• SAP Ariba: A leading cloud-based procurement and supply chain collaboration solution that helps businesses manage their sourcing, contracts, invoices, and supplier relationships. It focuses on optimizing the entire procure-to-pay process without directly facilitating interest-based financing.
  • Key Features: Sourcing, procurement, contract management, invoice management, supplier collaboration.
  • Price: Custom pricing based on modules and scale, typically enterprise-level.
  • Pros: Comprehensive, highly scalable, strong integration capabilities, vast supplier network.
  • Cons: High cost, complex implementation, primarily for larger organizations.
• Oracle SCM Cloud: Offers a suite of applications for supply chain planning, manufacturing, inventory management, and logistics. It helps businesses optimize their supply chain operations for efficiency and cost reduction.
  • Key Features: Demand management, inventory optimization, manufacturing, logistics, product lifecycle management.
  • Price: Custom pricing, enterprise-level solution.
  • Pros: End-to-end supply chain visibility, advanced analytics, robust security.
  • Cons: Expensive, complex to set up, requires significant IT resources.

Business Management and Productivity Tools

While not directly financial tools, robust project management and ERP systems can significantly improve efficiency, reduce operational costs, and indirectly help manage cash flow better by streamlining workflows and reducing waste, thus reducing the need for external financing.

• Odoo: An open-source ERP system that offers a suite of business management tools including accounting, CRM, sales, project management, inventory, and more. Businesses can choose modules relevant to their needs.
  • Key Features: Modular design, accounting, CRM, project management, sales, inventory, website builder.
  • Price: Community free open-source, Enterprise subscription-based, various tiers.
  • Pros: Highly customizable, extensive modules, strong community support, cost-effective for SMEs.
  • Cons: Can be complex to configure, requires technical expertise for advanced customization.
• Microsoft Dynamics 365: A suite of cloud-based business applications that combine ERP and CRM functionalities. It offers solutions for finance, sales, customer service, marketing, and supply chain management.
  • Key Features: Financial management, sales automation, customer service, supply chain, human resources.
  • Price: Modular subscription, varies significantly based on chosen applications and users.
  • Pros: Comprehensive, integrates well with other Microsoft products, scalable for large enterprises.
  • Cons: High cost, complex implementation, requires significant training.

Finaktiva.com Pricing: Understanding the Cost Structure

Based on the Finaktiva.com website, specific pricing details for its financial suite and liquidity solutions are not directly displayed on the homepage. Technical99.com Review

This is a common practice for B2B financial services, where pricing is often tailored to the specific needs and scale of each business.

However, it’s safe to assume that the “cost” associated with their liquidity solutions Supply Chain Finance, Soluciones de liquidez, Factoring internacional will involve interest or interest-like fees, which are impermissible in Islamic finance.

Absence of Direct Pricing Information

The website prompts users to “Comienza ahora” or “Quiero saber más” to learn about the solutions, indicating that a direct quote or a detailed pricing plan is not publicly available without engaging with their sales or registration process.

• Customized Quotes: It’s highly probable that Finaktiva operates on a customized pricing model, where rates for financing are determined based on factors such as:
  • The business’s creditworthiness and financial history.
  • The specific type and amount of financing requested e.g., invoice value for factoring.
  • The duration of the financing term.
  • Market interest rates at the time of the agreement.
• Implied Costs for Liquidity: For services like “adelanto de facturas” invoice factoring or “líneas de capital de trabajo” working capital lines, the cost would typically be a discount rate or an interest rate charged on the funds provided. For example, if a business factors an invoice, Finaktiva would purchase it at a discount, and that discount is their profit, often directly correlating to an interest charge.

The Problematic Nature of “Interest”

From an ethical perspective, any pricing model that involves a predetermined increase on borrowed capital, regardless of the real economic activity or risk-sharing, is considered Riba interest.

• Factoring Fees: While factoring is often presented as a sale of an asset the invoice, the fee charged for early payment is essentially the time value of money, functioning as interest. For instance, if an invoice worth $10,000 due in 60 days is factored for $9,500, the $500 difference is the cost of liquidity over 60 days, which is a direct form of Riba.
• Working Capital Lines: These are classic interest-bearing loans. Businesses draw funds as needed and pay interest on the outstanding balance, usually calculated daily or monthly.

Therefore, while the exact figures are not available, the very nature of the services implies an underlying cost structure that is not ethically permissible. Oriel.io Review

No Free Trial or Transparent Subscription Model

Unlike many SaaS platforms that offer free trials for their management tools, Finaktiva.com does not explicitly advertise a free trial for its full suite.

The “Comienza ahora” button leads directly to a registration page, suggesting immediate engagement without a risk-free evaluation period for the core financial services.

The “Círculo Finaktiva” section mentions free content from experts, but this pertains to educational resources, not a trial of their financial products.

• No Free Trial for Financial Products: Businesses cannot “test drive” their liquidity solutions or financing options without committing to an application process that would likely involve credit checks and terms agreements.
• Potential for Application Fees: While not stated, some financial platforms charge application fees or processing fees, which would be an additional cost to consider.

For ethical businesses, the focus should not be on navigating complex conventional pricing but on finding transparent, Sharia-compliant alternatives where the cost is derived from legitimate trade, partnership, or service fees, not Riba.

How to Cancel Finaktiva.com Services

Given that Finaktiva.com primarily offers financial services that involve interest Riba, the ethical recommendation is to avoid engaging with their services in the first place. However, if a business has already entered into an agreement with Finaktiva.com, understanding the cancellation process is crucial. Since specific cancellation policies are not openly detailed on their homepage, general practices for financial service agreements and subscriptions usually apply. Dowork.ai Review

Reviewing Your Contractual Agreement

The first and most critical step for any cancellation is to meticulously review the contract or terms of service signed with Finaktiva.com.

• Termination Clauses: Look for sections detailing “Termination,” “Cancellation,” “Early Withdrawal,” or “Default.” These clauses will outline the conditions under which either party can terminate the agreement.
• Notice Period: Most financial agreements require a written notice period for cancellation. This could range from 30 to 90 days.
• Fees and Penalties: Be prepared for potential early termination fees, penalties, or outstanding interest charges that might be incurred if the agreement is cancelled before its stipulated term. These fees are part of the Riba-based structure and reinforce the ethical concerns.
• Outstanding Balances: Any outstanding balances, whether from working capital lines or factored invoices, must be settled according according to the agreement’s terms.

Contacting Finaktiva’s Customer Support

The website lists several channels for communication and assistance, which should be utilized for formal cancellation requests.

• Centro de ayuda Help Center: The “Centro de ayuda” https://finaktiva.com/centro-ayuda is the primary resource for FAQs and support. While direct cancellation instructions might not be there, it can guide you to the right department or contact person.
• Llámanos Call Us: The phone number provided tel:6046051193 is likely the most direct route to speak with a representative. Clearly state your intention to cancel and request information on the formal process.
• Agenda una llamada Schedule a Call: https://finaktiva.com/agendar:agendar-llamada This allows you to set up a dedicated time to discuss your account and cancellation.
• Formal Written Communication: Always follow up any phone calls with a formal written cancellation request email or certified mail, depending on contract requirements. This creates a paper trail and serves as documented proof of your request. Include your account number, business name, and the effective date of cancellation.

Settling Financial Obligations

Before or during the cancellation process, ensure all financial obligations are addressed.

• Repay Outstanding Debts: Settle any current or outstanding balances on working capital lines, advances, or other financing products.
• Account Closure: Confirm with Finaktiva that your account is officially closed and that there are no pending charges or liabilities. Request a confirmation email or letter.

Ethical Reminder: The best way to “cancel” involvement with Riba-based services is to never start them. For businesses seeking ethical solutions, investing time in understanding and implementing Sharia-compliant financing and management practices from the outset is paramount.

Finaktiva.com vs. Ethical Financial Management Approaches

When evaluating Finaktiva.com, it’s crucial to compare its operational model with ethical financial management principles, particularly those rooted in Islamic finance. Sultan-clippingpath.com Review

This comparison highlights why Finaktiva.com, despite its technological prowess, fundamentally clashes with ethical conduct due to its reliance on interest Riba.

Finaktiva.com: The Interest-Based Model

Finaktiva.com offers a suite of services centered on providing liquidity and optimizing cash flow through conventional financing mechanisms. Its core offerings—Supply Chain Finance, Soluciones de liquidez working capital lines, invoice factoring, and Factoring internacional—are designed to provide quick access to funds.

• Mechanism: These solutions primarily involve debt-based financing with interest Riba. For example, invoice factoring provides immediate cash against future receivables, but the “discount” charged is essentially the cost of money over time, acting as interest. Similarly, working capital lines are direct loans with interest payments.
• Risk Allocation: In these models, the financial institution Finaktiva bears less direct commercial risk related to the underlying business transaction. Its profit is guaranteed by the interest charge, regardless of the business’s actual profitability or loss.
• Ethical Stance: Impermissible. Riba is strictly prohibited as it is seen as an exploitative practice that creates wealth without genuine economic activity, promoting inequality and economic instability. It is also seen as charging for the mere passage of time, rather than for productive effort or legitimate risk-sharing.

Ethical Financial Management Approaches: The Riba-Free Model

Ethical financial management, especially within Islamic finance, focuses on asset-backed transactions, risk-sharing, and equity-based partnerships. The goal is to facilitate genuine economic growth and ensure fair distribution of wealth without relying on interest.

• Mechanism:
  • Murabaha Cost-Plus Sale: Instead of a loan, a financier buys an asset and sells it to the client at a pre-agreed profit margin. The profit comes from a legitimate trade.
  • Musharakah Partnership: A joint venture where partners contribute capital and/or expertise, sharing profits and losses based on pre-agreed ratios and capital contribution, respectively. This involves genuine risk-sharing.
  • Ijarah Leasing: Assets are leased for a rental fee, with ownership remaining with the financier until the end of the lease, often with an option for the client to purchase. The income is from the usufruct use of the asset.
  • Istisna’ Manufacturing Finance: A contract for manufacturing goods, where payment can be made in installments as production progresses.
  • Salam Forward Sale: Pre-payment for goods to be delivered at a future date, used for agricultural or manufacturing finance.
• Risk Allocation: In these ethical models, the financier shares the commercial risk with the business. For example, in Musharakah, both parties share profits and losses. In Murabaha, the financier takes ownership risk of the asset before selling it. This alignment of risk creates a more equitable and stable financial system.
• Ethical Stance: Permissible. These methods promote real economic activity, foster genuine partnerships, and ensure that wealth is generated through legitimate trade and shared enterprise, aligning with principles of justice and fairness.

Key Differences Summarized

Feature	Finaktiva.com Conventional	Ethical Financial Management Islamic
Core Principle	Interest Riba on debt	Risk-sharing, asset-backed transactions, legitimate trade
Source of Profit	Predetermined interest charge on borrowed money	Profit from trade, lease, or shared venture performance
Risk Bearing	Lender bears minimal commercial risk. profit is guaranteed	Financier shares commercial risk with the entrepreneur
Ethical Stance	Forbidden Haram	Permissible Halal
Liquidity Access	Quick, debt-based injections	Asset-backed, partnership-based, or trade-based arrangements

In essence, while Finaktiva.com provides technologically advanced solutions for cash flow management, its underlying financial mechanisms are built upon foundations that are incompatible with ethical Islamic principles.

Businesses committed to ethical operations should seek alternatives that align with Riba-free financial models. Designhours.com Review

How to Cancel Finaktiva.com Free Trial

Based on the Finaktiva.com website, there is no explicit mention of a “free trial” for their core financial management suite or liquidity solutions.

The website uses calls to action like “Comienza ahora” Start now and “Quiero conocerla” I want to know it, which typically lead to registration for their services or deeper information pages rather than a trial period for their financing products.

The “Círculo Finaktiva” section does offer “contenido que hemos creado para ti de la mano de expertos completamente gratis,” which refers to educational content, not a free trial of their financial services.

Given this lack of a formal “free trial” for their financial products, the concept of canceling a Finaktiva.com free trial as one would for a typical SaaS subscription does not directly apply to their core offerings.

However, if you have registered for any introductory service or signed up for something that might have a limited-time access component e.g., a demo account, a limited version of their management tools, the general principles for managing such accounts would be: Duoflight.com Review

Step 1: Check for Any Account Settings or Subscriptions

If you registered on their platform, log in to your account dashboard. Look for sections such as:

• “Mi Cuenta” My Account
• “Configuración” Settings
• “Suscripciones” Subscriptions or “Planes” Plans
• “Preferencias” Preferences

Within these sections, there might be an option to downgrade your account, stop notifications, or formally close your profile if it’s a non-financial service registration.

Step 2: Review Any Confirmation Emails

When you initially registered or signed up for any aspect of Finaktiva.com, you would have received a confirmation email. This email might contain:

• Links to manage your account.
• Information about the specific service you signed up for.
• Details on how to discontinue or opt out.

Search your inbox for emails from “Finaktiva.com” or related domains.

Step 3: Utilize the Help Center or Contact Support

If you cannot find a direct cancellation option within your account or confirmation emails, the most reliable method is to contact their support channels: Lithiumbatterypcb.com Review

• Centro de ayuda Help Center: Visit https://finaktiva.com/centro-ayuda. This is where you can find FAQs and potentially contact forms for support.
• Llámanos Call Us: Use the phone number provided tel:6046051193. Clearly explain what service you signed up for and your intention to discontinue or close your account.
• Agenda una llamada Schedule a Call: https://finaktiva.com/agendar:agendar-llamada This allows for a scheduled discussion with a representative.

Important Note for Ethical Businesses:

Since Finaktiva.com’s primary services involve interest-based financial transactions Riba, the ethical recommendation remains to avoid initiating any financial agreements with them. The best “cancellation” is to not engage in the first place, ensuring that your business operations remain aligned with ethical principles from the outset. Focus on building and utilizing internal financial management tools and seeking Sharia-compliant financing alternatives that promote ethical growth.

FAQ

What is Finaktiva.com?

Finaktiva.com is a financial management and liquidity platform designed for businesses, aiming to centralize financial information, administer cash flow, streamline supplier payments, and provide access to various financing solutions, primarily through interest-based mechanisms.

Is Finaktiva.com ethically compliant from an Islamic perspective?

No, Finaktiva.com is not ethically compliant from an Islamic perspective. Its core offerings like working capital lines, invoice factoring, and supplier financing involve interest Riba, which is strictly forbidden in Islam due to its exploitative nature and lack of genuine risk-sharing.

What kind of financial solutions does Finaktiva.com offer?

Finaktiva.com offers solutions such as “Supply Chain Finance,” “Soluciones de liquidez” which include working capital lines and invoice factoring, and “Factoring internacional.” These are all conventional financial instruments that typically involve interest. App.hellofax.com Review

Does Finaktiva.com offer a free trial for its financial services?

Based on the website, Finaktiva.com does not explicitly advertise a free trial for its core financial management suite or liquidity solutions.

Calls to action generally lead to registration or deeper information, not a trial of their financial products.

They do offer free educational content through “Círculo Finaktiva.”

How can I cancel my Finaktiva.com service?

To cancel Finaktiva.com services, you should first review your contractual agreement for termination clauses, notice periods, and potential fees.

Then, contact their customer support via their help center, phone number 6046051193, or by scheduling a call. Badbunny.store Review

Always follow up with a formal written cancellation request.

What are the main cons of using Finaktiva.com?

The main con of using Finaktiva.com is its reliance on Riba-based financial products.

Other cons include the lack of specific Sharia compliance information and limited transparency regarding detailed pricing structures on the homepage.

What are ethical alternatives to Finaktiva.com’s financial solutions?

Ethical alternatives include Islamic finance instruments such as Murabaha cost-plus financing, Musharakah profit-and-loss sharing partnership, Mudarabah profit-sharing, Ijarah leasing, and Sukuk Islamic bonds. These avoid interest and focus on real economic activity and risk-sharing.

Are there ethical software alternatives for financial management?

Yes, for ethical financial management, businesses can use cloud-based accounting software like QuickBooks Online or Xero for tracking income/expenses. Lockdownsceptics.org Review

For broader business management, Odoo or Microsoft Dynamics 365 offer comprehensive ERP features without direct involvement in interest-based lending.

How does Finaktiva.com’s business model differ from Islamic finance principles?

Finaktiva.com’s model is based on charging interest for providing liquidity and financing, which is a debt-based approach.

Islamic finance principles, conversely, are based on risk-sharing, asset-backed transactions, and profits derived from legitimate trade or service, explicitly prohibiting interest.

Is invoice factoring offered by Finaktiva.com permissible?

No, invoice factoring as offered by Finaktiva.com is generally not permissible because the “discount” charged for early payment functions as interest, making it a Riba-based transaction.

What does “Finaktiva comentarios” mean?

“Finaktiva comentarios” translates to “Finaktiva comments” or “Finaktiva reviews” in Spanish, indicating user feedback or discussions about the Finaktiva platform. Renugagroup.com Review

Does Finaktiva.com offer any educational resources?

Yes, Finaktiva.com has a section called “Círculo Finaktiva” and a “Blog” where they offer free content, resources, and articles from experts to help businesses grow and learn.

How does Finaktiva.com claim to optimize cash flow?

Finaktiva.com claims to optimize cash flow by providing real-time visibility into accounts receivable and payable, centralizing financial information, and offering liquidity solutions to cover capital gaps or optimize surpluses.

What are the main features of Finaktiva.com’s centralized financial management?

The main features include instant and real-time consolidation of financial information by connecting electronic invoicing, bank accounts, and accounting data, as well as centralized management of supplier payments.

Is Finaktiva.com suitable for all types of businesses?

The website states it offers “soluciones digitales a la medida para impulsar todos los segmentos empresariales.” However, its suitability ultimately depends on a business’s operational needs and, more importantly, its adherence to ethical financial principles.

Does Finaktiva.com mention any regulatory compliance or certifications?

The website mentions “Sello FinTrust” which indicates recognition from Colombia Fintech for promoting good practices and legal compliance.

It also claims to be an “Empresa B,” adopting high environmental and social standards.

How does Finaktiva.com handle supplier payments?

Finaktiva.com claims to centralize all payments to suppliers in one place, integrating various bank accounts to optimize treasury processes and reduce transactional costs.

What kind of data or statistics does Finaktiva.com share on its homepage?

Finaktiva.com highlights statistics such as “+ 13.000 Empresas financiadas,” “+ 673.000 Operaciones de financiamiento,” and “+ 13,000 MM De dólares financiados,” aiming to showcase its impact and scale.

Can Finaktiva.com help with international financing?

Yes, Finaktiva.com offers “Factoring internacional,” a financial solution for exporters seeking to anticipate the cash flow from their international invoices to obtain immediate liquidity. However, this is also an interest-based service.

Where can I find the Finaktiva.com help center?

The Finaktiva.com help center can be accessed directly via the link provided on their website: https://finaktiva.com/centro-ayuda.