As your global supply chain grows, managing cash flow and working capital can become increasingly complex. With HSBC Supply Chain Finance Solutions, we help you optimize working capital, build stronger supplier relationships, and drive greater efficiency across your supply chain.
Procurement
Supply Chain Finance
Find out how HSBC Supply Chain Finance Solutions can empower your supply chain for growth.
Deliver maximum value for your supply chain with minimal disruption. Strengthen partnerships with your key suppliers around the world while optimizing your working capital.
What's Supply Chain Finance?
It’s a financial solution that helps businesses manage cash flow between buyers and suppliers.
It leverages a buyers' financial strength to provide early payments to suppliers, based on the buyer's credit, improving cash flow across the supply chain.
Effective supply chain finance management can enhance visibility and control over working capital, helping businesses operate smoothly, adapt to market changes, and support long-term growth.
Benefits for your business
Build supply chain resilience
Strengthen supplier relationships and provide reliable access to funding to help your supply chain withstand market changes.
- Provide stable funding to help suppliers manage inflation and interest-rate volatility, ensuring continuity of supply.
- Offer funding at purchase order level to strengthen supplier relationships and secure long-term commitments.
Improve financial strength
Optimize payment terms and maximize returns with advanced analytics and integrated payables solutions.
- Leverage data-driven price discovery and supplier segmentation to extend payment terms and negotiate effectively.
- Release working capital, reduce cost of goods sold, and improve return on invested capital¹.
- Automate account payables with integrated payables solutions.
Simple supplier onboarding
Experience no disruptions with instant supplier onboarding and no KYC required⁴. Benefit from local language support and dedicated trade specialists on the ground.
Efficient implementation
Our automated solution is highly scalable, growing with your business and supporting new supplier relationships as you expand.
Globally scalable
Access global reach, competitive rates and greater capacity for your entire supply chain finance program with our strong capital strength and distribution capabilities.
Benefits for your suppliers
Competitive rates
Potentially lower financing costs linked to your buyer’s credit strength.
Improved working capital
Reduce Days Sales Outstanding (DSO) and accounts receivable balances, improving cash flow to support production capacity and growth investment¹.
Flexibility and control
Choose automated funding or manually select invoices for early payment, aligned to your cash flow needs.
Cross-border payments
Receive payments in your nominated currency³, minimizing FX risk and simplifying transactions.
Better visibility
Gain real-time insights into payment schedules and cash flow, reducing manual effort and errors.
Key Features
Deferred payables
Streamline payments to a fixed future date for greater operational efficiency with no supplier disruption, helping you enhance liquidity across your supply chain.
- Simplify payment runs to streamline your accounts payable process.
- Extend Days Payable Outstanding (DPO) up to a month for greater liquidity¹.
- Suppliers receive payments as usual, with no disruptions.
Dynamic discounting
Use excess cash to self-fund early payments to suppliers in exchange for invoice discounts. Switch easily between supply chain finance and dynamic discounting for cash optimization.
- Generate returns on your cash by receiving discounts for early payments, with dynamic rates based on payment timing.
- Reduce operational costs and streamline processes through automation and quick supplier onboarding.
- Easy adoption with the same platform and upload mechanisms as Supply Chain Finance.
Integrated payments solutions
Manage all your payables through a single, unified platform with seamless integration and multiple connectivity options, eliminating the need for ERP development.
- Streamline payment processes to enhance business efficiencies.
- Support transactions in multiple currencies³.
- Gain end-to-end visibility for easier tracking, reconciliation and cash flow optimization across your global supply chain.
Sustainable supply chain finance
Make early payments to suppliers on terms that consider the suppliers’ sustainability performance.
- Sustainable sourcing is embedded into your supply chain, enhancing ESG performance.
- Mobilize your suppliers towards achieving shared sustainability goals.
- Fosters a stronger and more resilient supplier base in the long-term.
Why HSBC?
Why HSBC?
Global scale and financial strength
As the world’s leading trade bank, HSBC provides the capital strength and distribution capabilities to support your entire supply chain finance program, no matter the size or complexity.Global network and local expertise
HSBC’s international network covers key supplier markets and currencies, with on-the-ground specialists providing deep local expertise and hands-on support.Robust technology and simple integration
Our investment in platform, technology, and connectivity ensures seamless implementation with no ERP changes required, plus real-time supplier management.
How we support our clients
Explore how our clients overcome operational challenges, strengthen supply chain management and unlock working capital with HSBC Supply Chain Finance Solutions.
HSBC is partnering with Unilever, one of the world’s largest FMCG companies, to launch a pioneering sustainable supply chain finance facility in the Philippines.
Watch the video to learn how HSBC and Unilever are driving progress towards a more sustainable, inclusive, and resilient way of doing business—benefiting companies, communities, and the environment.
Frequently asked questions
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Disclaimer
1 HSBC does not provide accounting advice. Buyer should obtain their own professional accounting, tax and legal advice.
2 Subject to terms and HSBC’s exercise of discretion to pay early.
3 All offers of financing, products and services are subject to credit adjudication, qualification and prior approval. Other conditions or restrictions may apply.
4 HSBC reserves the rights to, among others, request any documents, refuse provision of any service, and all other rights in accordance with applicable laws. Subject to local regulatory requirements.
The information in this content is not advice on legal, tax, investment, accounting, regulatory, technology or other matters. You should always consult your own financial, legal, tax, accounting, or similar advisors before making any financial decisions, or entering into any agreement for HSBC products or services.
Trade products are non-deposit products and not-FDIC insured. In the United States, deposit products are offered by HSBC Bank USA, N.A., Member FDIC.
Important Notice (Philippines): The information contained in this material is intended Soley for persons outside the Philippines and is provided for general information purpose only. It does not constitute an invitation or solicitation to any person in the Philippines to enter into any banking transaction or purchase any financial product or service. HSBC Bank USA, N.A. is not licensed by the Bangko Sentral ng Pilipinas and is not authorized to conduct banking business or solicit deposits in the Philippines.
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