Loan and Finance

No matter what industry or business you're running, having steady cash flow and available working capital is vital. That's why we're offering you a credit-protected facility that provides you with immediate cash payments of up to 90% of the value of your local and export sales invoices.

With this flexible and secure source of working capital, you will now have the resources to seize new business opportunities and multiply your business profits.

HSBC's Receivables Finance services include:

Financing
Cash in your local and international invoices at an agreed percentage with HSBC to get additional working capital. This financing is directly linked to your sales and not collateral.

Credit protection from the risk of bad debts
You can mitigate your buyer risk through the credit protection option, which covers up to 90% of your sales.

Sales ledger management and Collection of payments on your invoices
You can outsource your sales ledger management and collection to us, and we will provide you with key information you need, to make better business decisions. Now with HSBC's Receivables Finance, it's safer and more convenient to run a global business. All that's left for you to do is focus on your goals and grow your business.

Why is HSBC's Receivables Finance the right choice for you?

With our global network and expertise, we can assist you in unlocking the cash flow within your sales ledger, along with the benefits of credit protection. The HSBC Group has more than 40 years experience in Receivables Finance (RF) and is one of the world’s largest Receivables Finance providers globally. HSBC has over 8,500 offices in 86 countries and territories.

We are one of the world’s largest banking and financial service organisations. Our established Receivables Finance operations are located across the UK, France, Poland, Malta, Mexico, China, Singapore, India, Taiwan, Japan, Australia, New Zealand, United Arab Emirates, Qatar, Oman, Cyprus and Greece, etc.

How does HSBC's Receivables Finance benefit you?

Having funds tied up in accounts receivables is not only a heavy risk for any business, but there are costs associated with it. Moreover, to grow and expand, your business needs a secure cash flow. This is where Receivables Finance plays a vital part in your daily operations by providing an optimum solution for financing, credit protection, sales ledger management and collection.

Cash flow

• Maximise your cash flow through faster collections and get immediate access to working capital in line with your sales growth.
• With a facility that grows in line with your sales, the risks of over-trading can be mitigated.
• You can increase your working capital finance without depending on the quality of your balance sheet.

Protection

• Gain the competitive advantage with our credit protection, which covers up to 90% of the value of your sales invoices, even for those with 120 days payment terms.

Collection

• Save time and cost when we handle your credit collection functions. It reduces your need for debt collection and more importantly, you can focus on further expanding your business.
• Professional credit management releases time for you to concentrate on core business activities.

Low Cost

• Enables stronger buying power from your supplier as you can take advantage of early settlement/payment discounts.

Wide Support Network

• Languages and time zones won’t pose a problem anymore with skilled and experienced credit controllers.

Profit increase

• When you have an expanded market share, you are more likely to multiply your profits when you have a risk protection program in place plus enough cash flow to fund your growth.