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Get my 3 quotes →HSBC is worth asking if you turn over £1m or more and sell abroad. HSBC says its invoice discounting covers international as well as UK sales, and you can take the money in sterling, euro, US dollars or most other major currencies (HSBC, read 14 Oct 2026). HSBC also offers letters of credit, so you can keep invoice finance and trade finance with one bank. Below £1m, HSBC is not an option and you need another lender. Market Invoice compares UK invoice finance providers, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.
HSBC invoice discounting needs £1m or more turnover, advances up to 95%, and covers international as well as UK sales in sterling, euro, US dollars or most other major currencies. Smaller exporters need another lender. More detail + scope
This page covers
HSBC UK invoice discounting for businesses that sell abroad, what HSBC publishes, and other lenders to compare
Not covered here
Provider review across all sectors (see /providers/hsbc/), HSBC personal banking, HSBC Premier or Private Banking
Lenders to compare
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| HSBC Invoice Finance | £1m | Up to 95% | business.hsbc.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Accelerated Payments is not in our figures table, but it is worth a quote if you only want to fund some invoices. It says it offers selective invoice finance to UK and Irish businesses, with facilities from £250k to £10m, and has funded debtors across more than 40 countries (read 14 Oct 2026). See our Accelerated Payments review.
When HSBC suits you
- You turn over £1m or more, or expect to.
- You invoice customers abroad, in sterling or another major currency.
- You also want letters of credit or other trade products from the same bank.
- You are happy to keep collecting from your customers yourself, because HSBC lists invoice discounting, not factoring.
When to look elsewhere
- Your turnover is under £1m. Close Brothers publishes a £750k minimum, and Bibby publishes none.
- You want the lender to chase your customers for you (factoring).
- You only want to fund some invoices, not your whole sales ledger. Look at selective lenders such as Accelerated Payments.
- You don't need any trade products, so there is no reason to keep everything at one bank.
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HSBC International Trade FAQ
Why look at HSBC for international trade?
HSBC says its invoice discounting can be used for international sales as well as UK sales, and that you can take the money in sterling, euro, US dollars or most other major currencies (HSBC invoice discounting page, read 14 Oct 2026). HSBC also offers letters of credit and other trade products. If you want invoice finance and trade finance from one bank, that is the reason to ask HSBC.
What's HSBC's minimum turnover?
HSBC asks for an actual or projected annual turnover of £1m or more for invoice discounting. Other high street banks differ: Lloyds publishes £100,000, NatWest £300,000, and Barclays publishes no minimum. Below £1m, look at the other lenders on this page.
Does HSBC offer factoring?
HSBC's current UK business site lists invoice discounting, where you keep collecting from your customers yourself. We found no factoring product on it. If you want the lender to chase your customers for you, ask a lender that offers factoring.
What does HSBC charge?
HSBC does not publish its invoice discounting fees. You get a price when you apply. Letters of credit and other trade products are priced separately.
How does HSBC compare to Accelerated Payments?
Accelerated Payments offers selective invoice finance for UK and Irish businesses, with facilities from £250k to £10m, and says it has funded debtors across more than 40 countries (Accelerated Payments website, read 14 Oct 2026). HSBC needs £1m turnover but can sit alongside letters of credit and other bank products. If you only want to fund some invoices, Accelerated Payments is worth a quote. If you want trade finance from your bank as well, ask HSBC.