HSBC launches receivables advantage solution

HSBC has launched an enhanced receivables finance solution to help large corporates optimise their working capital, reduce their exposure to trade risk and build their financial resilience.

Named HSBC Receivables Advantage, the solution enables businesses to unlock cash from their receivables on a non-recourse basis, by selling receivables to HSBC and transferring non-payment risk on the receivables to HSBC.

By providing rapid access to working capital under the enhanced solution, corporates can plan with confidence and maintain growth momentum within a changing, and often complex, trade landscape.

Bhriguraj Singh, Chief Product Officer at HSBC Global Trade Solutions said:
“Businesses navigating today’s evolving trade environment require solutions that support financial resilience and help manage risk effectively – working capital and resilience have never been more important.

“HSBC Receivables Advantage is specifically designed to help large global corporates create balance sheet efficiency, manage buyer credit risk and improve liquidity, empowering them to effectively navigate challenges and pursue growth opportunities with confidence.”

The enhanced solution is primarily relevant to large corporate clients engaging in domestic trade or exports on open account trading terms.

HSBC’s recent Trade Pulse survey reveals that businesses are increasingly viewing today’s trade challenges as a catalyst for innovation, with 77 per cent indicating how they have been prompted to evolve and explore new opportunities. As a result, many are reconfiguring their supply chains and reassessing operational footprints; with 83 per cent planning to nearshore to be closer to key customer markets and 77 per cent considering nearshoring.

In addition, the research showed how medium and large firms (turnover of US$500m and more) are feeling the impact more than smaller firms.

These strategic shifts underscore a growing demand for robust risk management, access to investment capital, and solutions that reinforce investor confidence – needs which HSBC Receivables Advantage intends to support by helping to improve liquidity and manage buyer credit risk.

HSBC Holdings plc
HSBC Holdings plc, the parent company of HSBC, is headquartered in London. HSBC serves customers worldwide from offices in 58 countries and territories. With assets of US$3,054bn at 31 March 2025, HSBC is one of the world’s largest banking and financial services organisations.