Commercial Debtor Finance

Why is Commercial Debtor Finance right for you?

• Generates cash flow to fund further sales and growth whilst offering extended terms to your customers
• Secures preferred status and early payment discounts with your suppliers through an additional source of working capital
• Enables you to fund a major purchase or planning a management buy-in/buy-out and using the sales ledger to fund your working capital needs
• Helps you business to respond more quickly to market opportunities through a more flexible source of working capital
• Saves you the cost of providing early payment discounts to your buyers to speed up cash flow

The benefits of Commercial Debtor Finance

• Speed and flexibility - You are free to negotiate the most appropiate terms for the sale.
• Cash flow - Your sales become an immediate source of additional working capital
• Convenience - Once you have chosen Commercial Debtor Finance, you can concentrate on growing your sales with confidence, knowing you have the backing you need
• Control - Your relationship with your customers is unaffected as the facility is non-disclosed and you will continue to collect your debtor's payments on HSBC’s behalf
• Online access - Able to operate the facility online through DebtorsDirect.

Who is eligible for Commercial Debtor Finance?

• Businesses trading locally or with overseas customers on open account terms
• Businesses with a turnover of AUD5m p.a. or more
• Businesses with no property security available to secure working capital finance or needing property security released
• Profitable businesses needing cash flow to finance expansion/sales growth or which have too much capital tied up in receivables
• Businesses invoicing on completion or delivery of products or services.