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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.

Your business needs:

How we can help you:

Arrange borrowing to cover short term cash flow fluctuations

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Business Overdraft

  • Easy to arrange
  • Pay interest only on what you use – calculated on a daily basis
  • Flexible borrowing to suit your circumstances.

Flexible credit to help cash flow

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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.

Control staff spending

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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

Raise cash against invoices or protect against bad debts

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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.

Raise cash against invoices

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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.

Avoid the hassle and cost of issuing and chasing invoices

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Credit Management

  • Tailored credit control service with a dedicated credit controller
  • Credit protection service also available.

Free up cash flow from export invoices

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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.

Get funding for a project when you can't get a bank loan

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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


  • 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:
    01162 496 345

More info

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