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


Write to us and we will contact you.

  • This product is limited exclusively to residents in Andorra
  • Mora Banc Grup, SA, with registered address at Av. Meritxell 96, AD500 Andorra la Vella is the data controller of your personal data contained in this form for the purposes of handling your request. You may at any time access, rectify, delete, restrict, object, request the portability of your data and withdraw your consent by emailing us at: For further information on the processing of personal data by Mora Banc Grup, SA, please see the Privacy Policy on our website.

Or call us on +376 88 48 84

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