San Ramón S.A. is a private company in the city of San Juan working in commercial credit administration — helping small suppliers decide, document and track the credit they extend to their customers. We do not lend money to anyone. This page is the part of the work worth publishing: where the public data lives, how to read it, and where it stops.
Argentina gives every supplier two remarkable tools, and most small businesses have never opened either. Both are published by the Central Bank, both are consulted online in under a minute, and both can be checked for any CUIT — not only your own, with no registration and no fee.
Neither register tells you whether somebody is honest. They tell you something narrower and more useful: how this CUIT has actually been paying, as reported by institutions that have no reason to flatter it. Consult them on the Central Bank's own site — not through intermediaries, and never through anyone who charges for what the BCRA publishes free.
The classification runs from 1 to 5 and is driven, in essence, by days of delay. The bank's question is "will this loan be repaid?". Your question is different — "should I ship to this customer on open account?" — so the same number reads differently. Click through the scale.
Paying the financial system on time, or close to it. This is the classification most businesses hold, and it is what you want to see — alongside a clean cheque record.
Public data is the beginning of the check, not the end of it. The register has blind spots, and knowing them is as valuable as knowing the register exists.
Most supplier losses do not come from failing to check. They come from checking once, in the good month, and never re-reading anything until the cheque bounces.
It is the unusually large one from a customer already paying you late. Everyone else has shortened their terms, so the demand concentrates on whoever has not noticed yet. The order feels like growth; it is actually the queue forming at your door. Check the register the day that order arrives.
San Ramón S.A. is a private company registered in the province of San Juan. Our work is the administration of commercial credit: helping suppliers set written terms, keep the paperwork that makes an invoice collectable, track exposures and read the public registers properly. We work with our clients' processes and our own capital — never with anybody else's money.
In Argentina, companies that extend credit to the public without being banks must register with the Central Bank as non-financial credit providers. We do not extend credit to the public, we are not such a provider, and nothing on this page offers credit to anyone. Whether any firm is supervised is checkable on the Central Bank's own site — never take a company's word for it, including ours.
"San Ramón" is a common name and other unrelated businesses use it, in San Juan and elsewhere. We are not connected with any of them. Our registered address on Av. Gral. Las Heras Sud is used for correspondence and the service of documents; we receive visitors by appointment only — please write or call first.
Confirm the exact CUIT of the entity that will owe you the money — the company, not the person who shook your hand.
Read its situación across all reporting entities in the Central de Deudores, then its record in the rejected-cheques register. Both free, both on the Central Bank's site.
Decide the limit and the terms in writing, before the goods move. The check cost you nothing; skipping it is the most expensive free thing in commerce.
Tell us in a few lines what you sell, on what terms, and what keeps going wrong. Written enquiries get a written answer.