Commercial discount loan

Do you want to optimise your cash flow, avoid payment delays, and benefit from a solution that allows you to immediately have the funds corresponding to your customers' bills of exchange at your disposal?

The discount loan is a cash advance granted by BANK OF AFRICA, against delivery of the bills of exchange you hold on your customers. It is a perfectly suited solution for companies with long payment delays from their customers. It allows them to optimise their cash flow by obtaining an advance payment from the bank regarding the bills of exchange's amount with a determined due date, and immediate deduction of interest and commissions.

With this loan, you can benefit from financing that can last from 6 to 12 months with an amount varying from 75 to 90% of the contract value.

4 essential reasons to take advantage of it

With BANK OF AFRICA's commercial discount loan, you immediately have the liquidity corresponding to the value of the bills of exchange that you hold on your customers at your disposal. Your customers' payment delays will no longer have an impact on your company's cash flow.

Immediately have the amount of the value of your bills of exchange at your disposal
Avoid problems related to your customers' payment delays
Make the financing of contracts obtained easier
Benefit from a loan guaranteed by the CMM (Caisse Marocaine des Marchés)

Your questions, our answers

Your customers pay you by bills of exchange in due course, that is to say whose due date is more or less distant, generating cash flow gaps for your company.
You want to anticipate cash flow tensions by having an immediately available reserve.
You want to choose the bills of exchange that you plan to mobilise.