• Cesce, the country’s top commercial risk management company, has signed its first agreement with this financial institution
  • The goal of this new project is to help companies increase their commercial sales
  • The launch of this new service, which forms part of the business banking strategy unveiled last April, is a testament to the Bank’s commitment to supporting the country’s productive sector

28 January 2025

Banco Sabadell has signed an agreement with Cesce to launch the first ‘Debtor Portfolio Assessment’ service for its customers in Spain. This innovative solution has been developed in partnership with the country’s leading commercial risk management company and marks a new milestone in the financial institution’s commitment to being the top bank for companies in Spain.

The aim of this new project is to help companies increase their sales, both domestically and internationally, by creating an agile digital workflow to instantly assess the commercial risks of Banco Sabadell’s customers.

This launch is framed within the business banking strategy unveiled by Banco Sabadell in April 2024, which aimed to enhance the relationship model, introduce improvements to its risk origination models, and offer a value proposition based on sector specialisation through professional advice and an innovative suite of products and services.

This new service can be accessed through the Institution’s online banking, which will give users access to Cesce’s CESNET platform. This portal will allow Banco Sabadell’s business customers with annual turnover below 6 million euros to screen up to 20 debtors per company in real time. It will also give them access to coverage for commercial and financial risks in an agile, swift and secure manner.

The agreement has been signed by Eduardo Currás, Deputy General Manager and Business Banking Director of Banco Sabadell, and by Pablo de Ramón-Laca, Executive Chairman of Cesce.

Currás explained that “this new debtor assessment service is another step towards Banco Sabadell’s goal of supporting companies in their business activities”. The Institution’s Business Banking Director is confident that this is “a trailblazing, exclusive, innovative and digital service that we are offering to our business customers to help them increase their sales in a secure manner, offering access to risk coverage by partnering with the market leader, Cesce, and giving companies the possibility to apply for more finance when they need it”.

For the Executive Chairman of Cesce, Pablo de Ramón-Laca, “this agreement with Banco Sabadell reinforces our mission of helping companies to be more competitive, offering them tools so that they can manage their risks in a more agile and efficient way. We firmly believe that this new ‘Debtor Assessment’ service will help companies develop their projects with more security and assurance”.

Banco Sabadell, the strategic partner of Spanish firms

Signing this agreement reinforces Banco Sabadell’s commitment to the business community, demonstrating that proximity and trust are at the heart of the Bank’s DNA.

The Institution remains committed to continuing to provide companies with the digital tools that they need to boost their growth and efficiency. Through innovative and effective solutions, such as this ‘Debtor Portfolio Assessment’ service, Banco Sabadell aims to support enterprises in their digital transformation journey, streamlining transaction management and helping businesses adapt to an increasingly competitive and rapidly changing environment.

Banco Sabadell is still a firm believer in its approach based on proximity and personalisation. That is why it is offering its customers access to a team of specialists who can provide guidance and support throughout the application process, ensuring that every request is dealt with as attentively and diligently as it would in a physical branch.