The hidden cost of not having a business guarantee strategy
- Eduardo Ramos
- 6 days ago
- 2 min read
Business guarantee strategy. Many companies view guarantees—bonds, surety bonds, or schemes like ZRS—as a requirement that appears at the end of a negotiation.
However, the true impact of not having a guarantee strategy is not seen at the moment… it is seen in what the company fails to earn.
Contracts that are not signed. Projects that are delayed. Capital that remains tied up. Sales that fall through.
The cost of not having guarantees is not visible in the financial statements, but it can be enormous.
1. Contracts that are lost before they even begin
One of the most frequent costs is invisible:
The company enters into negotiations, but cannot provide the required guarantee in time.
This happens when:
There is no secured line.
The backup structure is not anticipated.
Contractual clauses are not reviewed beforehand.
The result is immediate:
The company is excluded from the contract, even if its technical or economic proposal was the best.
2. Delays that affect cash flow
When guarantees are managed reactively, the times are lengthened.
This can cause:
Delays in signing the contract.
Delays in the release of advances.
Postponement of the start of projects.
Each day of delay represents:
Financial costs.
Operating expenses without income.
Missed opportunities.
3. Unnecessarily immobilized capital
Without a guarantee strategy, many companies resort to:
Cash deposits.
Personal guarantees.
Expensive letters of credit.
This directly impacts liquidity.
A well-structured bond allows for:
Release capital.
Maintain operational flow.
Optimize financial resources.
4. Financial risk in credit sales
In companies that sell to individuals or small businesses, the biggest hidden cost is overdue accounts receivable.
Without a protection scheme:
Growth is slowing down.
Collection costs increase.
Cash flow deteriorates.
This is where tools like ZRS eliminate that risk, guaranteeing each individual transaction.
5. Loss of trust from customers and authorities
Companies that cannot provide guarantees in a timely manner create a perception of risk.
This can be translated into:
Greater contractual oversight.
More demanding financial conditions.
Loss of credibility.
Conversely, a company with a guarantee strategy conveys solidity, order, and reliability.
6. Guarantees as a tool for financial efficiency
When integrated into business planning, guarantees allow:
Reduce financial costs.
Accelerate contract closings.
Improve risk management.
Increase growth capacity.
They cease to be a requirement and become a strategic asset.
Business guarantee strategy
The true cost of not having a warranty strategy doesn't appear on an invoice.
Appears in:
Lost contracts.
Limited liquidity.
Slowed growth.
Unnecessary financial risks.
At We Link , we help companies design comprehensive guarantee strategies that protect their operations and facilitate their expansion.
Because growing without risk isn't a matter of luck. It's a matter of planning.
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