Invoice discounting / financing is a product by which we offer you financing through purchase undue receivables from your buyers, evidenced in invoices or other commercial documents, arising from the sale of goods and/or provided services and concluded commercial contracts.

We can offer you two basic types of invoice discounting / financing:

  • with recourse  we retain the right of recourse towards the seller of the receivable in the event that the debtor (buyer) fails to effect payment on due date
  • without recourse  we do not retain the right of recourse towards the seller of the receivable and take over the risk of default by the debtor (buyer). By selling the receivables, you convert the receivables into cash without creating new indebtness.


  1. Improving liquidity
    By selling the receivables, you receive payment immediately after delivery, before the invoice due date, thus enhancing the cash flow of your company and being able to reinvest the money immobilised in receivables further into business. 
  2. Other options for purchase of your receivables
    Improve your cash flow and redirect the funds into new business operations. Our services in the area of purchase of receivables also include purchase of receivables under letters of credit  forfait, as well as discounting bills of exchange.
  3. Providing expert advice
    Years of experience and expertise in standard and complex transactions, our professional and trained staff and numerous awards in the field of trade finance vouch for a high quality of service.
  4. International presence of UniCredit Group and a large correspondent banking network
    Zagrebačka banka and UniCredit Group represent a strong partner that can support your international business.

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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