Financing human capital for growth

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As a business powered by human knowledge and expertise, salaries and expenses account for most of your outgoings. However, buyers of your services aren’t always prompt in paying your invoices. What solutions can you tap on to grow your business while financing this shortfall?

Your accounts payable are primarily driven by salaries and other payments to individuals. It’s therefore critical for the continuity of your business that these are made promptly. While some services businesses receive regular income from long-term agreements and subscriptions, many others are subject to irregular revenue streams while still being obligated to make fixed payments — whether that’s to contractors, workspace providers or technology vendors.

Our solutions facilitate payments to staff and contractors, and provide you with the capital you need to hire talent, expand your services regionally and grow further.

Facilitate payments, optimise liquidity, bolster cash flow

Payments and collection

Facilitate payroll, staff expenses and supplier payments through a range of solutions, including our corporate credit cards which streamline the reconciliation process, and PayNow Corporate if suppliers are based in Singapore. Capitalise on our billing and collection services, which help you get paid on time.

Cash flow management

Access cost-effective financing solutions to bridge cash shortages caused by delays in collections. These include turning up to 90% of invoice values into cash immediately upon issuance, as well as delaying payments to suppliers while they still receive these funds promptly from us.

Liquidity management

Get greater visibility and control of your local and regional cash holdings with a range of liquidity management services, such as notional pooling and cash concentration.

Read more about our offerings for large corporates in Singapore

Digital Banking Solutions

When your business spans multiple markets, managing working capital across these and having visibility of your global or regional operations is critical. Our streamlined digital banking platform, HSBCnet, provides a centralised overview of your business finances and helps you better control your financial risk position wherever you trade.

Solutions for large corporates

From services and retail companies to manufacturers and real estate conglomerates, our banking solutions have been designed to meet the requirements of a wide range of companies based in Singapore.

Sustainable finance for large corporates

It takes a collective effort to achieve a cleaner future. We aim to do our part by empowering businesses to engage in sustainable practices. Our commitment includes providing financing and investment to reduce carbon-intensive activities and support the development of new energy sources.

International Business Guides

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Seeking additional large financial support?

Solutions for capital intensive businesses

With high levels of fixed assets and operating leverage, long-term financing is critical to your business. To succeed, you need a capital structure that can withstand movements in the financial markets and thrive over an extended growth cycle.

Solutions for retailers and distributors

The ability to process high volumes of payables and receivables is important to the success of your business.

Solutions for manufacturers

Are you looking to grow your business by increasing production and expanding into new products or markets?

Why bank with us

With more than 140 years of experience in Singapore serving large corporates, HSBC has the expertise and global connections to support your business’s growth plans. Our services and solutions are tailored to meet the needs of large corporates from a wide range of sectors and financial needs.

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Get in touch to learn more about our banking solutions and how we can help you drive your business forward.