Receivables Finance | HSBC Business


Receivables Finance

View of Seattle skyline and port | HSBC Receivables Finance

HSBC's Receivable Finance solution allows you to improve your cash flow by converting your accounts receivable into cash rather than waiting for your buyers to pay the invoice

Improved working capital

Having a reliable flow of working capital is critical to keeping your supply chain moving. By releasing up to 90% of invoice values provides the cash to meet day to day commitments or pay suppliers earlier enabling you to negotiate better terms.

Funding availability increases as your sales do making Receivables Finance an effective solution to support your growth.

View an example of the flow of working capital
Guard against late payment and bad debt

In addition to providing a comprehensive Credit Checking service we can provide you the confidence to grow your business globally by safeguarding you from buyer losses.

Our service will provide cover up to 100% of losses on undisputed receivables minimizing the impact on business profits and cash.

Professional Sales Ledger Management

A dedicated Client Manager works one to one with you from the very start to gain an in-depth understanding of the way you do business.

When invoices fall due, our experienced staff will collect payments on your behalf from both domestic and overseas buyers. This will release your staff to spend time on initiatives focused on growing your business.

Manage Receivables Finance processes online

Our Receivables Finance system gives you access to funding calculations, account balances and collection information. Through the user-friendly and secure environment, you are always in control, with the ability to send invoices electronically and get fast credit limit decisions on new customers so you can close deals quickly.

International receivables

With over half a century of experience behind us, HSBC offers you the powerful mix of global reach and local knowledge. HSBC has the largest Receivable Finance coverage of any international bank, with Receivables Finance experts in over 25 countries and territories.

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United States persons (including entities) may be subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons and entities should consult a tax advisor for more information.

Trade and Supply Chain transactions may be subject to credit approval. Other restrictions, including specific country regulations may apply. Foreign currency exchange rates may apply to certain trade transactions. Certain products and solutions may not be offered in every market.

1 Customer service hours of operation are 8:00AM ET to 11:00AM ET.

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HSBC's Receivables Finance delivers

  • Fast access to funding
  • Improved cash flows
  • Comprehensive Collections and Ledger Management
  • Secure online Receivables Finance platform
  • Potential for non-recourse purchase of your receivables

Real-time account access

Business banking advice

Have a question?

Call our dedicated Business Customer Service Center at

We're here from 8:00AM to 11:00PM ET

TTY/TTD: 800.898.5999

Flow of working capital

  1. You provide goods or services to a buyer and invoice them
  2. You notify those invoices to HSBC via our secure online platform
  3. HSBC makes available up to 90% of the invoiced amount within 24 hours of receipt of invoices
  4. HSBC collects invoice payments from your buyers with balance not advanced paid in full
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