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Working Capital Finance
Overdraft Line
HSBC can provide an efficient and flexible form of borrowing where you only pay interest for the time the money is used. At any time you can deposit money into the account to reduce the outstanding balance or withdraw money whenever you need as long as the overdraft limit is not exceeded. Interest is calculated daily based on the outstanding balance and is normally charged at the end of each month.
Benefits
- Easy to arrange.
- Provides the necessary cash flow to run your business smoothly.
- Allows better management of seasonal cash flow demands.
- Allows paying-down the funds and increasing the percentage of the used credit as required.
Short-term Loan
HSBC can provide a Revolving Credit Limit usually structured as a short-term facility. This way, you can repay each drawing within a fixed period of time (1, 3 or 6 months). You have the flexibility to re-borrow sums as needed, up to the total amount of the limit. This form of facility is usually used for financing permanent working capital needs.
Benefits
- Fixed interest rate for the duration of each drawing.
- Necessary cash flow to cover short-term needs.
- Allows paying-down and draw the sums again as required.
