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20 May 2026

Demise of Free-Format Manual Payment Instructions from 31 May 2026

With effect from 31 May 2026, we will no longer accept free-format manual payment instructions. We encourage you to submit payment instructions electronically using our e-channels, or use Smartform (Telegraphic Transfer / Local Interbank Fund Transfer / In-House Transfer). Access Smartform here.

15 May 2026

Update to World Corporate MasterCard Cardholder’s Agreement – Mobile Virtual Cards

Mobile Virtual Cards will launch in June 2026. The terms and conditions have been updated to cater to Mobile Virtual Cards and will take effect from 16 June 2026. All existing terms for your other services remain unchanged. The revised terms and conditions can be viewed here.

15 May 2026

Update to Conditions of Use – Mobile Virtual Cards

Mobile Virtual Cards will launch in June 2026. The Condition of Use have been updated to cater to Mobile Virtual Cards and will take effect from 16 June 2026. The revised clauses can be viewed here.

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Working Capital Solutions

You need strategies and solutions to help you navigate an uncharted environment. We can help.
Manage cash and trade flows more efficiently. Whether your goal for improving working capital is to self-fund growth, reduce debt, expand your business reach or enhance your balance sheet – the key to success is gaining more control over cash flows.

That’s why our trade and receivables finance solutions help you unlock funds trapped in inventory or receivables to keep the supply chain – and your business – moving forward. Added to this is a full range of commercial banking services designed specifically to help you manage incoming and outgoing cash more efficiently across your entire organisation.

Our Working capital solutions

Commodity and Structured Trade Finance, HSBC Working Capital solution

HSBC TradePay

Unlock your working capital with our revolutionary TradePay solution which provides you with an instant loan in seconds. Find out how you can manage cash and trade flow more efficiently.

HSBC Receivables Advantage

Our non-recourse receivables finance solution, HSBC Receivables Advantage, empowers businesses to unlock immediate cash from their receivables, transforming receivables into working capital today.

Commodity and Structured Trade Finance, HSBC Working Capital solution

Commodity and Trade Finance

Get access to trade finance solutions designed specifically for producers, traders and end users along the global supply chain for energy, metal and agricultural (‘soft’) commodities.

Export Finance, HSBC Working Capital solution

Exports

Gain more control over exports, improve cashflow and manage risks associated with international trade more effectively using HSBC’s export finance facilities. Our trade specialists have in-depth knowledge to help you assess market risks.

 Bank Guarantees, HSBC Working Capital solution

Guarantees

Conduct business with confidence, even where you lack established relationships, through the use of guarantees and standby letters of credit.

Import Finance, HSBC Working Capital solution

Imports

Upon approval, access the working capital you need and improve cash flow by bridging the gap between settlement with suppliers and payment from buyers. Our import finance solutions offer flexible options.

Working capital solutions

Open account

Use open account solutions to trade directly with organisations that have a good financial status and also recognise yours.

Receivables finance

Improve your cash flows and enhance forecasting. If qualified, access up to 90 per cent of invoice values as soon as they are issued.

Supply chain finance

Supply chain finance (SCF) helps companies lower costs of financing while improving efficiency by unlocking working capital tied up in the supply chain.

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HSBC Business Banking Insights

Insights

Explore our industry insights and banking capabilities in a simpler way

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Need help?

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