Discount Loan

Discount Loan


Are you the head of a commercial enterprise who would like to have liquidity? Thanks to our discount loan, whatever the size and industry of your business, you can take advantage of this fast credit solution.

A discount loan allows you to meet your customers' payment deadlines and save cash, by factoring in your commercial bills in your turnover. Indeed, the discount loan is a cash advance granted by BANK OF AFRICA, against delivery of the commercial bills that you hold on your customers.

In addition to being flexible and fast, this solution offers you several advantages:

  • The discount loan will facilitate the financing of your public contracts, by granting a discount line.
  • The loan that will be granted to you is guaranteed by the CMM (Moroccan Markets Fund).
    Financing can last from 6 to 12 months overall with an amount varying from 75 to 90% of the market value.

When is it best to use discount loan?

  • When your customers pay you by bill to maturity, that is to say whose due date is relatively distant, generating cash flow lags for your business.
  • In case you would like to anticipate cash flow pressures by having an immediately available reserve.
  • If you want to choose the commercial bills you plan to leverage.

Thanks to the business discount solution, your customers' payment deadlines will no longer have an impact on your company's cash flow.

For more information on our BANK OF AFRICA’s discount credit, we invite you to contact our customer relationship center at 0801008100 or visit a sales office.