WHAT THE DISCOUNT IS MADE OF

Seven percent, and most of it is not about the buyer.

Suppliers assume the discount reflects their customer's credit. Financiers know it mostly reflects their own blindness, and they price accordingly because they have no choice.

Buyer credit risk About 2 points. A solid manufacturer on ninety days is a known quantity and this part is genuinely small.
Double-financing risk About 2 points. The same invoice can be presented to a second financier who has no way to know it was already sold.
Existence and dispute risk About 2 points. The financier is relying on the supplier's copy of a document the buyer has not confirmed.
Cost of funds and margin About 1 point. The only part of the discount that is actually the price of money.

Four of the seven points are paying for the absence of a record. That is the part a shared invoice removes, and it is the part the supplier feels most.

If you finance receivables, or sell them.

Design stage, nothing for sale. What helps is the real mechanics: what you verify before advancing, and what the gaps are worth.

lestari.wibowo@fakturtunggal.online Semarang, Jawa Tengah