And they tended to opt for immediate rewards, like getting a small cash payment right away rather than waiting a week for a larger sum.

而且希望立即得到报酬，比如马上就拿到一小笔钱而非等一周拿更多钱。

youdao

And the cost to the supplier of immediate cash payment by the bank, in respect of the implicit interest rate or discount on the bill, ought to be tiny - because the bank is in effect lending to the safe big company, which ultimately honours the bill, not to the riskier supplier.

BBC: How business can bypass banks