Who initiates the program?

The seller sets discount terms on each invoice, based on their cash flow and client context. The buyer chooses whether to pay early and use the discount. If the seller did not offer a discount, a Bancoli-provided reward will still be available for early or on-time payments.

How is Bancoli's supply chain financing different from factoring and reverse factoring?

With Bancoli, sellers set payment terms during invoice creation, buyers pay the sellers directly before the due date, and buyers get rewarded for providing capital on time.

Is this dynamic discounting, as known in supply chain finance?

Bancoli's AI assistant suggests discount ranges; however, sellers make the final decision on what exact discount terms they wish to offer. If they don't offer any discount terms, Bancoli will provide Bancoli Rewards for paying invoices on time.

What are the available early-payment incentives?

Seller-offered early-payment discounts provide clients a clear reason to pay before the due date. Even if sellers don't offer a discount, they can access funds when timing matters. Sellers can tap into their Guaranteed Invoices, which get created when buyers fund invoices on time or early in exchange for Bancoli Rewards Points.

Are funds available sooner for suppliers' operations?

When buyers pay early to use the discount, cash reaches the sellers immediately, reducing reliance on external financing and keeping working capital available for global suppliers.

Drive yield with every invoice

Strengthen your supply chain by approving bills as early as possible.
Early-payment discounts often beat the returns businesses look for elsewhere — returns earned by paying invoices, not by parking cash.

Black and white hand receiving colorful floating coins, symbolizing increased yields and financial efficiency through supply chain financing.

Ask your favorite AI about Bancoli.

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Eliminate errors
and wasted time

Minimize human error and supply chain disruptions by automating your invoicing process.

Stopwatch behind an invoice summary table displaying company names, amounts, and transfer dates, symbolizing prompt financial transactions.

Black and white handshake with blue highlights on the sleeves and floating coins, symbolizing trust and strong supplier relationships.

Strengthen supplier relationships

Nothing makes suppliers happier than reliable payments that are always on time (or early).

Your suppliers win,
your business wins

Pay invoices early and you receive yield by being rewarded for supplying capital while your seller has peace of mind and access to funds faster, even if they don't provide discounts on their invoices.

Bancoli invoicing

Time & effort

Costs $

Qualification Easy

Asset-based lending

Time & effort

Costs $$$$$$

Qualification Difficult

Reverse factoring

Time & effort

Costs $$$$$

Qualification Difficult

Line of credit

Time & effort

Costs $$$

Qualification Difficult

Supply Chain Financing FAQ

No. It is an early-payment discount option embedded in invoicing, controlled by the seller. You pay your suppliers directly.

Drive yield with every invoice

Eliminate errors and wasted time

Strengthen supplier relationships

Your suppliers win, your business wins

Supply Chain Financing FAQ

Eliminate errors
and wasted time

Your suppliers win,
your business wins