Commercial BankingFinance and borrowing
We can help larger organisations improve cash flow, cover expenses and plan for business growth with our finance and borrowing options.
Business Overdraft
- Easy to arrange
- Pay interest only on what you use – calculated on a daily basis
- Flexible borrowing to suit your circumstances.
Invoice Factoring
- Get paid faster and improve cash flow
- Raise cash against invoices and protect against bad debts
- Choose from a range of Invoice Finance services.
Business Credit Card
- Save time and money by separating personal and business spend
- Improve cash flow with up to 56 days interest free credit
- Special offers and discounts from leading retailers
- View your card transactions online using Business Internet Banking
- Buy your goods and services securely online.
Flexible Business Loan
- Suitable for limited companies borrowing over £10,000 or sole trader and partnership businesses borrowing over £25,001
- Select a fixed2 or variable rate – the choice is yours
- Interest payable monthly or quarterly
- Repay over periods of 12 months to 20 years.
- Call us on:
0800 0113317
- Textphone 18001 0800 028 3516
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.
Commercial Mortgage
- Buy, extend or develop business premises for commercial owner occupation
- Borrow up to 75% of the purchase price or professional valuation, whichever is the lower
- Minimum mortgage £25,001; no maximum
- Commercial mortgage repayment period 2 – 30 years
Asset Finance: HSBC Equipment Finance
- Fund new assets, replace old ones or expand your current business operation
- Maintain your cash flow by structuring your capital expenditure
- Hire Purchase, Finance Lease, Operating Lease or Asset Loan options available
- Minimum requirement is £100,000, either as a single transaction or over the course of the year
Marine Mortgage Finance (finance for power boats and yachts)
- Borrow up to 80% of the value of the power boat or yacht over a typical loan period of between 10-15 years1
- Minimum advance is £100,000
- Fixed or variable interest rate options
- Funding available for both new and used power boats and yachts
Partnership Capital Loan
- Help incoming or existing partners of legal and accountancy firms fund capital contributions
- Borrow from £25,001
- Competitive variable or fixed interest rates agreed with each Firm.
- Call us on:
0800 011 3367
Regional Growth Fund – Assisted Asset Purchase Scheme
- Enables qualifying businesses to obtain funding towards the acquisition of new assets, where additional employment will be created
- Call us on:
0845 607 6007
Interest Rate Risk Management
- Protect the profitability of your business by managing the risks arising from adverse movements in interest rates
- Manage your borrowing costs by fixing or capping your interest rate
- Let us help you develop and implement a plan to minimise your risks.
Invoice Discounting
- Improve your cashflow by releasing money tied up in your invoices
- Get up to 90% of the invoice value by the next working day
- You retain control of your sales ledger with our confidential service
- You can get protection against late or bad payers
- Include your UK and export sales
Business Growth Fund
- Established to help Britain's growing smaller and medium sized businesses.
- An independent company with capital of up to £2.5 billion, backed by HSBC and four other major banks.
- BGF invests between £2m and £10m per business in return for a minority equity stake and a seat on the board for a BGF director.
KnowledgeCentre
Managing your cash flow
Stay in control of your business by managing sales and costs within your budget.
BusinessTool
Trade Cycle Calculator
Understand your international cashflow better with our Trade Cycle Calculator.
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.
The links on this page will open a new browser window and may:
i) Allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.
ii) Allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank plc's website.
1 Not for purposes of permanently living abroad.
2 Taking a capital repayment holiday or deferring repayments will increase the total interest charged and the total amount payable over the full term of the loan.
