Discount-Redemption Loans

Ensure Financial Flexibility

Convert your receivables into cash before maturity through check and bill discounting, strengthening your working capital.

Fast and Easy Liquidity

Sell your checks and bills to the bank for immediate cash flow, enhancing your financial mobility..

Gain an Advantage with Discounting

With DestekBank Discount & Factoring Loans, keep financial control in your hands. Maintain your financial balance and focus on growing your business.

Maturity-Based Interest Calculation

Interest is determined based on the maturity of your receivables and is calculated over the commercial bill amount. After legal deductions, the remaining amount is paid in cash.

Who Can Benefit?

Commercial Firms

Corporate Companies

Basic Loan Conditions

Corporate, commercial, and SME businesses are eligible.

Loan limit approval is entirely at the discretion of the bank.

The bank reserves the right to make changes to the loan limit.

Frequently Asked Questions

Discount participation loans are financial instruments used to pre-cash trade receivables (for example, future payments from customers). Businesses transfer their receivables that are not yet due to the bank and receive immediate cash payments in exchange for these receivables. The bank, on the other hand, receives the loan amount back by collecting the payments to be received at maturity.

Regulating Cash Flow : Businesses can organize their cash flow by converting future payments into cash today.

Fast Financing: Businesses can obtain financing quickly and easily, especially when they need liquidity.

Risk Mitigation: By transferring the risk of collection of receivables to the bank, businesses can reduce the risk of delay or non-collection of receivables.

SMEs: Small and Medium-Sized Enterprises (SMEs) can use discount participation loans to regulate their cash flows and meet their financial needs.

Retail Sector: Retail businesses can use it to finance stock replenishment or operating costs by converting receivables from customers into immediate cash.

Supply Chain Businesses: Suppliers can optimize their supply chain processes by collecting their receivables in advance.

Sales Driven Companies: Companies can grow their business by quickly converting anticipated payments for major projects or customer contracts into cash.

Our Other Cash Loans

O/N (Overnight) Loan

Easily manage short-term cash outflows and adjust your budget as needed with daily interest collection.

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Spot Loans

Get instant access to cash for urgent financial needs and cover your short- or medium-term expenses with ease.

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Revolving Loan

Balance your budget against potential cash flow irregularities and avoid paying interest when you have surplus funds.

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Installment Loan

Customize your repayment schedule according to your budget and make payments in fixed periods such as monthly, quarterly, or annually.

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Foreign Currency Loan

Obtain your loan in foreign currencies such as US Dollars (USD) or Euros (EUR) and start using it immediately.

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Project Loans

A loan type designed to finance companies' needs for capacity expansion, product diversification, renovation, modernization, or vertical and horizontal integration.

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TLRef-Indexed Loan

Companies can benefit from loans indexed to TLRef (Turkish Lira Overnight Reference Rate), where interest rates are determined based on market conditions.

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Intraday Loan

Companies can make payments without waiting for expected collections when there is a mismatch between planned payments and incoming funds within the same day.

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