Commercial BankingManaging your cash flow
Managing cash flow is a challenge for many businesses. We can help with options to free up cash in your company.
What are your business needs?
- Arrange borrowing to cover short term cash flow fluctuations
- Flexible credit to help cash flow
- Control staff spending
- Raise cash against invoices or protect against bad debts
- Raise cash against invoices
- Avoid the hassle and cost of issuing and chasing invoices
- Free up cash flow from export invoices
- Get funding for a project when you can't get a bank loan
- Manage cardholder expenditure more easily
Your business needs:
How we can help you:
Business Overdraft
- Easy to arrange
- Pay interest only on what you use – calculated on a daily basis
- Flexible borrowing to suit your circumstances.
Business Credit Card
- Improve cash flow with up to 56 days interest free credit
- Flexible repayment – minimum Direct Debit options
- View your card transactions online using Business Internet Banking.
Purchasing Card
- Enables straightforward control of your business expenditure
- Select which staff are issued with the card and set individual spending and transaction limits
- Restrict transactions to approved suppliers
- Detailed monthly statements for you and each cardholder
- Assess costs at a glance with HMRC approved VAT reports
- Call us on:
0207 992 5235 - More info
Invoice Factoring
- We advance up to 90% of the invoice value by the next working day
- HSBC collects the debt
- Protects against late payment and bad debts.
Invoice Discounting
- We advance up to 90% of the invoice value by the next working day
- Your company then manages the debt collection and credit control.
Credit Management
- Tailored credit control service with a dedicated credit controller
- Credit protection service also available.
International Invoice Finance
- Get access to money you have tied up in your sales ledger
- Minimise risk to your business by collecting payments promptly and efficiently
- Protect yourself from bad debt and late payment.
Enterprise Finance Guarantee
- A source of borrowing to help you expand or diversify your business or increase your working capital
- Government guarantee which secures loans, covering 75% of each qualifying loan.
Manage cardholder expenditure more easily
MiVision
- Manage cardholders online with detailed information on spend
- Easily update cardholder profiles and spend limits
- Give your cardholders access to their individual transactions instantly online worldwide
- Control MiVision access by adding, amending or deleting card administrators
- Integrates with all our corporate and purchase card programmes
- Call us on:
0207 992 5235
KnowledgeCentre
Managing your cash flow
Stay in control of your business by managing sales and costs within your budget.
e-newsletter
Connections
Speak to your Commercial Manager to receive free email newsletters with business features, opinion and advice.
Guide to business borrowing
Use our Guide to business borrowing to help you choose the right type of borrowing or finance and prepare a stronger application.
KnowledgeCentre
Tools, checklists and practical information to help you and your business in the Knowledge Centre.
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