Lending and Borrowing

Manage cash and trade flows more efficiently. Whether your goal for improving working capital is to self-fund growth, reduce debt, expand your business reach or enhance your balance sheet – the key to success is gaining more control over cash flows. That’s why our trade and receivables finance solutions help you unlock funds trapped in inventory or receivables to keep the supply chain – and your business – moving forward. Added to this is a full range of commercial banking services designed specifically to help you manage incoming and outgoing cash more efficiently across your entire organisation.

Increase the efficiency of your operations by managing cash on a portfolio basis across more than 50 markets around the world. With HSBC’s global liquidity solutions you will have access to a range of self-funding, deposit and investment techniques. HSBC’s liquidity solutions will be tailored and restricted so as to be fully compliant with local market regulations that may limit or restrict the availability of some of the services described below.

HSBC’s approach combines a high level of consistent service and information, which enables us to configure our services to integrate easily with your organisation’s existing ERP and treasury management systems, as well as your key processes such as payable and receivables.

Improve your cash flows and enhance forecasting. If qualified, access up to 90 per cent of invoice values as soon as they are issued. Receivables finance is available in most major currencies and as early as the next business day. You can release cash previously caught in the sales cycle to cover day-to-day expenses or pay suppliers faster thereby negotiating more favourable rates and terms. With the flexibility to access the entire amount available or draw down only what you need, receivables finance is also an effective strategy for self-funding growth.

Access the working capital you need and improve cash flow by bridging the gap between settlement with suppliers and payment from buyers, putting you in the position to negotiate better prices or terms. Our import finance solutions offer flexible financing options, fixed or variable repayments and a drawdown process on individual transactions to qualified importers. This is combined with our international trade expertise, which enables us to design a structure to suit your specific trading cycle. With a significant presence in local markets around the world are able to help facilitate your imports.

Leverage the strength of our specialised lending business for tailored trade finance solutions designed specifically for businesses that produce, trade and purchase commodities including energy, metals and agriculture.

Gain more control over exports, improve cashflow and manage risks associated with international trade more effectively using HSBC’s trade finance services.

Simplify processes by making paper-based and electronic domestic and international payments quickly and easily. Using our global payments solutions, you will be able to manage expenses and payments more effectively, while also minimising your exposure to payment fraud. Reconciliation is also faster, which can help further streamline payments management.

If you are selling on open account terms and need solution on financing, credit protection or collection, check out our Receivables Finance options.