Commercial Discount

Commercial discounting is the best way to obtain short-term financing and to operate without worrying about your cash flow. With it, you can advance the collection of outstanding payments from your clients, without waiting for their due date. You’ll gain liquidity and can dedicate the time you save to what matters most: doing business.

  • Is it for me?

    You can benefit from the trade discount if your company is engaged in the purchase and sale of products or the provision of services.

  • How does it work?

    With the trade discount, you can advance the collection of sales made by your company, obtaining the liquidity you need right away.

  • How long does it take?

    Once you send us a batch, it will take only 24 hours for you to receive the amount of the included transactions.

  • Under what conditions?

    We adapt the limits and economic conditions of your discount contract to the needs of your business.

We take care of the collections

The trade discount is the best way to obtain short-term financing for your company. If you need to advance the pending collections from your company's sales, we offer you a line that will allow your business to instantly get the liquidity it needs to operate smoothly. Through online banking, you can access all the information about the trade discount line, monitor it whenever you want, and dedicate more time to other tasks in your company.

In exchange for managing the collections from your clients and crediting you the amounts in advance, we will charge you a commission and interest for the money we lend you. You get liquidity and don't have to worry about managing collections. The economic conditions of this agreement, known as a discount contract, are negotiable: we can adapt the limits and economic conditions to your needs.

How does it work?

The batches you want to discount, that is, collect in advance, must be submitted physically at our offices or sent to us via a financed debits file in SEPA format directly from online banking. If you do not have an application that generates this type of file, you can download it from online banking itself.

Once you have downloaded it, enter your batch data into the application. Then, access online banking again, retrieve the file you created with the application, and send it with the operational signatures we have provided you.

Collect them in 24 hours. Batch operations are executed several times a day, so the day after you send it to us, the amount will already be credited to you. It's that quick and easy, according to your needs and all online.

Para saber más...

DUDAS

  • Si tu empresa realiza venta de productos y servicios puedes anticipar el importe de los cobros diferidos de tus clientes mediante el descuento de pagarés, letras, pagos domiciliados, facturas, certificaciones o Adeudos SEPA, CORE y B2B.  

    Este tipo de financiación por descuento comercial no está destinado a empresas de suministros recurrentes o con cobros inmediatos o al contado. En su lugar, pueden utilizar el servicio de Adeudos SEPA al Cobro. Por ejemplo, un gimnasio, un colegio o una gestoría utilizarían el servicio de cobro de recibos electrónicos a la vista, del que también te podemos informar en ABANCA. 

  • En el descuento comercial, ABANCA te anticipa el importe pendiente de cobro de tus clientes y, a cambio, cobra unos intereses y una comisión. Si al vencimiento el deudor no paga, retrocederemos el anticipo y te cobraremos los gastos que se producen por la devolución.

    Con la gestión de cobro, ABANCA presta un servicio al cliente para gestionar el cobro en tu nombre. Una vez realizado este cobro, se abonará el importe en la cuenta y se cobrará una comisión por esta gestión. Si tu cliente, al vencimiento no atiende el pago, cobraremos una comisión por la devolución.

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