Invoice Discounting

Want to raise cash against invoices while keeping control of your sales ledger? With our confidential service, you could improve your cash flow and even protect your business against bad debts.

At a glance

  • Get up to 90% of the value of your invoices the next working day

  • Retain full control of your sales ledger with our confidential service

  • Add credit protection to guard against late payment or bad debts

  • Arrangement fees apply

Key benefits

Improve your cash flow by releasing working capital tied up in unpaid invoices

Avoid the hidden costs of providing extended credit to your customers

Receive simple, once-a-month reporting

Secure funding that grows in line with your sales

Release cash from export invoices to guard against currency exchange risks

Keep control and manage your own sales ledger

Protect your profits with our Credit Protection service

Is Invoice Discounting right for your business?

If any of the following apply to your business, this service could meet your needs:

  • your sales are growing and you need to know that your cash flow will keep pace
  • you have a lot of money tied up in the sales ledger that could be working harder for you
  • you're funding a major purchase or planning a management buy-out/buy-in and want the sales ledger to fund your working capital needs
  • you want to keep control of your sales ledger

As a general guide, our invoice discounting service is suitable for businesses who:

  • sell to other businesses on credit terms
  • have a projected business turnover over £500k

Invoice Discounting is available to businesses that bank elsewhere as well as HSBC business customers. It can be used for international sales as well as UK sales.

How it works

Invoice Discounting releases cash from your invoices next working day. Here's a quick overview of how it works:

  1. You provide the goods/services to your customers and invoice them as usual
  2. You let us know the value of the invoices you raise
  3. We advance up to 90% of your invoices' value by the next working day
  4. You collect payment when your invoices fall due
  5. Once your customers pay, you keep the balance minus our charges

The whole process is quick, easy - and it can all be managed online.

Important information

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Help and support

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