Commercial discount

Advances on the collection of bills of exchange and other commercial instruments

Advance on collection

Advance the collection* of receipts, bills of exchange, promissory notes and other commercial instruments of your business activity.

Fixed or variable interest

Choose the type of interest that best suits your preferences.

Consult online

You can consult your portfolio of commercial instruments and the status of your advances on remittances through Digital Banking.


The classification limit is set on the basis of your needs and possibilities.

Solicitar descuento comercial



You will be able to advance the collection of your commercial instruments with an immediate credit to your account.

Increased liquidity

With the Commercial Discount, you have greater liquidity for your business, as you can advance the collection of the sales made through commercial instruments up to a credit limit based on your cash management requirements.

Cost savings

By assigning your commercial instruments to Unicaja, you avoid submitting them for collection from the debtors (drawees), which would entail very high costs.


Through Digital Banking you will be able to consult your commercial instruments portfolio, the status of your remittance advances, and details on each of your commercial instruments.

Contractual process

To sign up for the Commercial Discount service, visit any of our Unicaja branches, where we will be happy to help you.


If you prefer, you can also apply for the Commercial Discount service by filling out an application form and indicating which branch you'd like it to be processed at. We will contact you shortly.


Remember that if you have any questions or queries, you can call our customer service team on+34 952 07 62 24.

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Digital Banking

Access your Unicaja accounts and products from your computer. The perfect tool to help you manage your daily finances.


Mobile Banking

Immediate access to your Unicaja accounts and products. Consult and start banking, wherever you are.