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Trade & Working Capital

Supply Chain Finance

Deliver maximum value for your supply chain with minimal disruption
Trade & Working Capital

Supply Chain Finance

Deliver maximum value for your supply chain with minimal disruption
Strengthen partnerships with your key suppliers around the world while optimising your working capital.
Find out how HSBC Supply Chain Finance Solutions can empower your supply chain for growth.
Contact us

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 optimise working capital, build stronger supplier relationships, and drive greater efficiency across your supply chain.

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

Optimise payment terms and maximise 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 programme 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, minimising 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 in supply chains
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 in supply chain finance
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 optimisation.

  • 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
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 optimisation across your global supply chain.
sustainable supply chain financing
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.
  • Mobilise your suppliers towards achieving shared sustainability goals.
  • Fosters a stronger and more resilient supplier base in the long-term

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 programme, 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.

Explained: Sustainable supply chain financing

integrated payments solutions

Supply chains are the cornerstone of global trade, but how can companies ensure that they are sustainable?

Read more

Frequently asked questions

Supply Chain Finance is a financial solution that helps businesses manage cash flow between buyers and suppliers.

It leverages the financial strength of large buyers to provide early payments to suppliers with pricing based on the credit strength of the buyer, 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.

Supply Chain Finance works when a supplier delivers goods or services and issues an invoice, including the amount and due date, which is approved by the buyer. The supplier can choose to receive early payment for the invoice via a bank or wait until the invoice is due and receive the remittance from the buyer. If early payment is selected by the supplier, the buyer is then debited the invoice value by the bank on the original due date.

Supply Chain Finance (SFC) helps improve working capital by optimising payment terms and extending your Days Payable Outstanding (DPO)1 while suppliers reduce Days Sales Outstanding (DSO) through optional early payment2, creating a mutually beneficial outcome.

A dedicated Supply Chain Finance programme manager and support team will guide you through every step of the journey: agreeing the scope of your programme, integrating with your systems, training your team and supporting your suppliers throughout the process.

The HSBC Supply Chain Finance Platform is designed for seamless integration, with no ERP changes.

HSBC’s Supply Chain Finance platform connects via a single global gateway, with integration options ranging from web-based file uploads to APIs/connectors, tailored to your business needs. SAP clients can use the SAP Connector, a simple add-on that can speed up implementation and configure invoice file formats for transfer to HSBC.

HSBC offers extensive supplier analytics to support pricing discovery, targeted and segmented supplier outreach and negotiations.

We support instant supplier onboarding with no KYC required for suppliers⁴. Suppliers benefits from local language support and dedicated trade specialists on the ground to driver rapid adoption and seamless last-mile delivery.

We drive outreach to your suppliers through workshops, webinars and meetings, supported by a self-service digital portal that enables suppliers to run their own cost–benefit analysis. We provide ongoing post-onboarding support, with expert teams continuously engage suppliers.


Deferred Payables unlocks working capital and operational efficiencies by streamlining payment runs to a single fixed date with no supplier disruption.

Multi-tier supply chain finance extends financing beyond direct suppliers to suppliers’ suppliers, allowing approved invoice amounts to be split and transferred upstream, with options for early payment or transferring payment rights (available in select countries).

  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.

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