Cash Flow

Invoice Discounting: Unlock cash from outstanding invoices

Get in touch to discuss how invoice discounting could help you unlock cash
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Want to raise cash against invoices while keeping control of your sales ledger? With our invoice discounting service, you could improve your cash flow and even protect your business against bad debts.

At a glance

  • Receive up to 95% of the value of your invoices the next working day or sooner
  • Manage your own credit control
  • 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

Daily funding updates in line with your sales ledger

HSBC software connects with your accounts system for easy administration to save you time

Choose how you want your finance: in sterling, euro, 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?

Invoice Discounting could meet your needs if:

  • Your sales are growing and you want to ensure that your cash flow will keep pace
  • You have money tied up in the sales ledger that could be working harder for your business
  • 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 manage your own credit control

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 £1m+

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 Invoice Discounting works

Invoice Discounting releases cash from your invoices the same 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. Our digital software integrates with your accounting system* and automatically uploads invoices and credit notes
  3. We advance up to 95% of your invoices' value by the same day
  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.


How to get started

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

Our digital in-life journey

Unlocks funding against your unpaid invoices

A digital solution that links directly to your accounts package to automatically upload your sales ledger giving you access to additional working capital.

HSBC integrates with your accounts package via an API connection (Application Programming Interface) or via our connector which is downloaded and installed on your desktop or server to automatically update your ledger.

How does our digital journey work?

HSBC Digital Process Infographic

Important information

Speak to a Receivables Finance specialist

For new enquiries

For existing clients


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