Trade Finance

Invoice Discounting / Receivable Financing

Tailor-made for SMEs, this finance service enables your company to more effectively manage your accounts receivable and more quickly obtain working capital to grow your business and profits.

Companies that trade with both local and foreign customers on open account can also make use of this service to enhance their financing flexibility.

Service Benefits

  • Tailor-made Solutions
    Our experts will craft a suitable financing package that fits your business’s unique needs to help increase cash flow.
  • Flexible Credit Line
    Your credit line can range into the millions of dollars, depending on the needs of your company, and your loan can be as much as 80% of the invoice value. Companies can choose a term loan or overdraft, which will automatically be available for lending again upon repayment.
  • No Collateral Required
    Companies can get financing with their accounts receivable and no other collateral required, which is particularly helpful for SMEs.
  • Quick Processing
    Funds will be available within 24 hours after submitting invoices/accounts receivable documents to us.

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*Shanghai Commercial Bank Ltd reserves the right to amend or cancel the above benefits/terms and conditions without prior notice.

Reminders about Responsible Borrowing
  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should have assessed your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
  • To borrow or not to borrow? Borrow only if you can repay!
In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.
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