A packaging supplier delivers to a food manufacturer on ninety day terms. The invoice is four hundred million rupiah and the buyer is solid. Payroll is in three weeks, so the invoice goes to a financier at a discount.
The financier is not worried the buyer will fail. They are worried this invoice was already sold last Tuesday.
Three unknowns set that discount: whether the invoice is real, whether it is already financed, and whether the buyer will confirm it without being told their supplier is short of cash.
Packaging delivered and accepted. The buyer does not dispute any of it.
Normal for the trade. The supplier's payroll is not on ninety day terms.
Seven percent discount. Roughly two of those points price the buyer. The rest prices what the financier cannot check.
A financier who could verify the invoice existed once, and was not already pledged elsewhere, would price a different risk entirely.
Design stage, nothing for sale. What helps is the real mechanics: what you verify before advancing, and what the gaps are worth.