Cash Flow

Invoice Discounting

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

At a glance

  • Receive up to 90% of the value of your invoices the next working day or sooner
  • Retain full control of your sales ledger with this undisclosed service
  • Add Credit Protection to guard against late payment or bad debts

Key benefits

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

Funding that grows in line with your sales

Keep control and manage your own sales ledger

Choose how you want your finance: in sterling, euros, US dollars or most other major currencies

Can be used for both export and UK sales

Protect your invoices with our optional 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 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/by-in and want the sales ledger to help fund your working capital needs
  • You want the sales ledger to fund your working capital needs
  • You want to keep control of your sales ledger

Our Invoice Discounting facility could be suitable for businesses who:

  • sell to other businesses on credit terms
  • Have an actual or projected annual business turnover of £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 or sooner
  4. You collect payment on our behalf when your invoices fall due
  5. We make the remaining balance available, minus our agreed charges

The whole process can be managed online via HSBCnet.


Digital Receivables Finance

  • Connect with a Working Capital Specialist
  • Apply for Receivables Finance in 3 simple steps using our online portal
  • Get a fast-tracked offer

Important information

Invoice Discounting product guide (PDF, 376 KB)

Find out more about our Invoice Discounting facility

Credit Protection service guide (PDF, 329 KB)

Find out more about our Credit Protection service

Speak to a Receivables Finance specialist

For new enquiries

Call us on

0800 731 8939

Lines are open from 9am to 5pm Monday to Friday, excluding public holidays

For existing clients


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