An advance now, a discount for the days outstanding, the reserve at maturity. Everything on this page is an indicative band — your written offer states your exact terms. There is no fourth number.
The reserve sits in your name from day one. Watch what happens when the buyer pays.
The discount is the price of time and risk. The reserve is simply the rest of your invoice — released with a final statement that documents every figure.
Direction of effect only — no rates here, because pretending precision before underwriting would be a lie. Buyer credit quality does the heaviest lifting.
does the heaviest lifting
more discount blocks
clean docs, faster offer
older is harder to fund
de-risks the file
credit notes weigh
one-buyer books tighten
clean record speeds terms
If a fee is not on this list and in your written offer, it does not exist.
Read a remittance advice like an auditor. We arm you with these questions even for deals that are not with us.
For strong borrowers a loan is often cheaper — the race is about speed and risk transfer, not headline rate. Full comparison →
*Standard non-recourse product; dispute/dilution recourse applies per agreement. †True — and we say so.
If your bank's offer is better for you, take it — and we'll tell you so.
Bring us your bank's quoteUnderwriting first, numbers after — never the reverse. No obligation; nothing charged if you decline.