International

Buyer Loans

Get in touch to discuss your Trade Finance needs

If you're importing goods, our Buyer Loans could help you improve cash flow, negotiate better terms with suppliers and pay them more promptly.

At a glance – key product features

Bridges the cashflow gap between making payment to your suppliers and receiving payment from your buyers
Can be arranged in most major currencies
Can be used with Letters of Credit, Import Collections or standalone open account transactions
Provides funding based on your trade cycle
Set up and managed online

Key benefits

Maximise your working capital

Pay your suppliers more promptly to negotiate better terms

Can form part of a wider end-to-end financing solution

How Buyer Loans work

HSBC provides you with short-term, trade-related working capital for your international purchases on a pre-shipment or post-shipment basis.

We pay your suppliers directly based on the invoice and transport documents.

Buyer Loans can be provided on a stand-alone basis for open account transactions, or coupled with Letters of Credit or Import Collections where you have a post-shipment funding gap.

Loan repayment terms are tailored to your trade cycle.

Before you can apply for a Buyer Loan, we’ll need to set up HSBCnet¹ and an HSBC trade facility for you.

To find out how a Buyer Loan could help your business or to arrange a trade facility, contact one of our Trade Finance specialists.

¹ If you already use HSBCnet, there’s no additional monthly fee for the use of the Internet Trade Services module. If you don’t currently use HSBCnet, other fees and charges may apply either now or in future, depending on your individual needs and how you plan to use the platform. We’ll confirm any charges when we set up the service for you

HSBC TradePay

If you’re paying your suppliers by open account, HSBC TradePay lets you quickly and easily drawdown your loan and pay your suppliers, through a single seamless process. Available in selected sites. Subject to credit approval, T&Cs and fees. Find out more.