Drive yield with every invoice

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

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.

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.

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.

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.

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.