Transact

Credit and lending

Get access to a range of long and short-term loans designed to meet the specific funding requirements of your business. Use our lending and credit solutions to finance capital investments and business growth, and obtain working capital to improve your cash flow, or manage day-to-day expenses more effectively. Our specialists have a wealth of experience customising lending programmes to suit the requirements of all types and sizes of organisations.

Imports

Access the working capital you need and improve cash flow by bridging the gap between settlement with suppliers and payment from buyers, putting you in the position to negotiate better prices. Our import finance solutions offer flexible financing options, fixed or variable repayments and a drawdown process on individual transactions to qualified importers. This is combined with our international trade expertise, which enables us to design a structure to suit your specific trading cycle.

Global payables

Simplify processes by making paper-based and electronic domestic and international payments quickly and easily. Using our global payables solutions, you will be able to manage expenses and payments more effectively, while also minimising your exposure to payment fraud. Reconciliation is also faster, which can help further streamline payments management.

Commodity and Structured Trade Finance

Leverage the strength of our specialised lending business for tailored trade finance solutions designed specifically for businesses that produce, trade and purchase commodities including energy, metals and agriculture. Our commodity and structured trade finance team understands that every player along the global supply chain – from production to transformation to marketing – has specific financing requirements. With product specialists located across Europe, Asia, the Middle East and the Americas, we are able to provide traditional and structured trade financing solutions in both emerging and developed markets.

Global receivables

Improve the way you manage working capital by streamlining and enhancing visibility of your receivables. Our comprehensive range of global receivables solutions is backed by our global presence and local knowledge. As a result, HSBC could help you manage your entire collection cycle with greater speed and efficiency, including the physical collection of funds, data processing and information delivery. That means your team can focus on maximising business opportunities and other important projects that add value to your operations.

Clearing and foreign currency payments

Optimise your working capital and make transactions in local and foreign currencies more efficiently by using HSBC’s payment and account solutions. With flexible transaction processing, versatile account structures, robust reporting and direct access to a suite of foreign currency services, you can validate transaction details online, receive transaction confirmation immediately and customise payment templates to reduce errors in recurring transactions.