siirtosaamiset

Siirtosaamiset refers to the transfer of receivables, a legal and financial concept where a creditor (the assignor) transfers their right to receive payment from a debtor to another party (the assignee). This process is common in various business transactions and can be used for several purposes.

Typically, siirtosaamiset involves a written agreement, often called a siirtokirja or assignment agreement. This document outlines the specifics of the receivables being transferred, the parties involved, and any conditions or considerations. The assignee essentially steps into the shoes of the original creditor and gains the right to collect the debt from the debtor.

One primary reason for using siirtosaamiset is to improve a company's cash flow. By selling their receivables, businesses can receive immediate payment instead of waiting for debtors to pay. This can be particularly useful for small and medium-sized enterprises that need working capital. Another motivation can be to reduce the risk associated with non-payment, especially if the assignee is willing to purchase the receivables at a discount.

The legality of siirtosaamiset is governed by contract law and specific legislation within a jurisdiction. It is important that the assignment is properly executed to be legally binding on all parties, including the debtor. In some cases, the debtor may need to be notified of the assignment to ensure they direct payments to the correct party. The terms and conditions of the original debt usually remain valid, but the right to enforce them transfers to the assignee.