Commercial discount

Faster collections

We help you carry out your collections when you really need them.

  • Flexible advance

    You can adjust the days of financing to the commercial papers’ maturity dates.

  • Speed and simplicity in collections processing

    You will save time and travel thanks to the online banking collection management service.

  • Interests on deducted balance

    You pay interest only on the deducted balance.



  • It allows to finance your business’ or company’s working capital, since it grants instant liquidity on your customers’ deferred collection sales by advancing their amount.
  • It is formalised through a credit line with a maximum amount and maturity.
  • The discount line can adapt to your financing needs: up to 90 days, between 90 and 180 days and more than 180 days.
  • At the time of the advance, MoraBanc discounts the interest corresponding to the days between the account deposit’s date and the commercial papers’ maturity date.
    See terms and conditions
  • This operating procedure has two main advantages:
    • Cost saving for the company, since the administrative expenses related to the collection management are taken on by the Bank.
    • Savings on time and travel, since the commercial paper remittances can be processed through online banking.
  • Application resolution within a maximum period of 7 days, as long as all required documents have been provided.
    See required documents


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Or call us on +376 88 48 84

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