Import Trade Services

Import Letter of Credit

  • Letter of Credit (LCs) is among the most secured instruments available to international traders. We help you to explore new business opportunities with our Letter of Credit service. We conduct Letter of Credit issuance at your request and protect you by ensuring the correct payment is made by the prescribed time. We provide the documents checking service when we receive the documents from the presenting bank. We also offer all common types of Letter of Credit that fits your business nature, which includes transferrable Letter of Credit and back-to-back Letter of Credit.

Import Collections Services

  • To help you better liquidate and keep cash flow healthy, we provide you import bills collection service: Documents against Acceptance (DA) and Documents against Payment (DP) for different currencies at a timely manner. We also offer you import bills financing that makes direct payment to suppliers to fill the time gap between import payment and sales of the goods.

Import Financing

  • We aim to use this product to provide greater flexibility and liquidity by filling the gap between payments for imported goods and receipt of funds from sales. There are three common types of import financing that we are offering, namely, Loans against Trust Receipts, Import Loan and Import Invoice Financing.

Shipping Guarantee

  • We can help you collect your goods before arrival of documents by issuing a Shipping Guarantee to the shipping company. You will therefore be able to take immediate possession of the goods for your business operations to continue smoothly.

Transferable Letter of Credit

  • We provide you letter of credit transferable service upon your agreed payment method between buyers and suppliers. With the help of our professional trade specialist, you can enjoy a much simpler process in trade transactions while the establishment of trade banking facilities is not required.

Bank Guarantee / Standby Letter of Credit

  • We help to ensure your buyer or seller of payment with a Banker’s Guarantee/Standby Letter of Credit. We will honour payment to your beneficiaries upon receipt of a claim that complies with the guarantee/standby Letter of Credit terms when your fail to fulfil obligations. Our Bank Guarantee / Standby Letter of Credit could be used as payment guarantee, bid bond, performance bond and financial guarantee that suits your business needs during different business cycles.

Export Trade Services

Export Letter of Credit Advising

  • Riding on our strategic global network, we will act as advising bank provide fast and convenient Letter of Credit advising service. Our trade specialist will practice professional due diligence to authenticate the Letter of Credit to ensure that the Letter of Credit comes from a genuine source and inform the beneficiary of the Letter of Credit promptly.

Export Letter of Credit Confirmation

  • Our Letter of Credit Confirmation service could help you to mitigate the credit and country risks associated with issuing bank or political climate of the issuing bank’s country. You can ask your buyer to arrange with the issuing bank to allow us to confirm the Letter of Credit. We will assure the payment against completed documents if the issuing bank is unable to obligate the payment.

Letter of Credit Negotiation

  • To help businesses to improve cash flow and reduce payment risk, we will provide Letter of Credit Negotiation service after checking the completeness of the export documents. With our fast and reliable service, you can immediately turn your receivables into cash.

Export Bills Collection Service /Discounting

  • To help you better liquidate and keep cash flow healthy, we provide export bills collection service (D/A, D/P) for different currencies at a timely manner. We finance your export bills before your buyers make payment. You can obtain cash earlier to meet your daily working capital requirement. Facilities for discounting of your export collections are also available.

Trade Documents Drop Off Locations

Receivable Services

Our Receivable Services Financing allows you to obtain funding against their accounts receivables due from the buyers in the Standard Chartered footprint across the globe. This financing will not only enable you to manage their accounts receivables more effectively and obtain working capital more easily, but also provide an option for the clients to have credit protection against buyers’ potential default. Unlike other trade facilities, there is usually no need to pledge additional collaterals for application of this facility.

2 types of Receivable Services

  • Disclosed Receivables Services and non-recourse. We will follow up on your accounts receivables outstanding with your buyers who will in turn make repayment on your invoices to the bank. In a non-recourse structure, you will have credit protection on protracted default and bankruptcy risks of your buyers.
  • Disclosed Receivables Services and on recourse. We will follow up on your accounts receivables outstanding with your buyers who will in turn make repayment on your invoices to the bank. There will be no insurance taken on the protracted default and bankruptcy risks of your buyers.

FAQ for Receivable Services:

We can prepay up to 90% of the gross invoice value. However this is dependent on several factors and the exact prepayment percentage will be determined after the submission of the application with the relevant financial documents to the bank. For details, please refer to the terms and conditions.

We consider Receivables Services is suitable for growing businesses. In fact, it is a unique credit facility where the credit line granted increases with your business’ growing sales rather than with additional assets pledged to the bank.

On a broad level, Receivables Services is a credit facility well-suited for a wide range of industries including but not limited to, for example, service, food manufacturing, precision engineering, construction, printing and packaging and general trading.

We do not think so. On the contrary, it might be the case that buyers would place more trust in your business, in view that there is an assured cashflow in your business.

In most cases, there is no need to pledge additional assets to the bank. However, it depends on a case by case basis.

The amount will be refunded through your business’ bank account after the buyer payment is cleared. Additionally, a payment advice will be sent with the refund information.

Terms and Conditions apply. Please click here.

Business Banking

Business Working Capital
Get an easy and complete range of financing solutions to help you grow your business

With over 150 years of banking experience in Asia, Africa and the Middle East, Standard Chartered makes banking easy and transparent and helps provide solutions that support your business growth.

We offer a comprehensive range of products and services to cater to your transactional and financing needs. Our solutions keep pace with your business growth by supporting you at each stage of your business.

When you go international, we are here to support you with our strong international network in over 70 countries and provide specialist knowledge, access to trade finance, foreign exchange and cash management solutions.

Our business working capital solutions are designed for Limited Liability Companies with annual sales turnover between USD0.5 million and USD10 million.
Facility size tailored to your business

We offer business financing facilities of up to USD2 million

Overall limit is based on your actual trade needs, your overall banking facilities and the value of your collateral.

We provide trade facilities according to your trade and working capital needs to unlock your business potential.

We accept residential, commercial and industrial properties as collateral.

Keeping things simple for

We have gone to great lengths to simplify the documents you need to produce with your facility application:

  • Limited Company Identification document; and
  • Latest 6 months business account statements; and
  • Latest 12 months Audited financial report


Where applicable, the bank may require client to provide additional personal and company related documents

Your business, your solutions

Every business is unique. We help you pick the right solutions to suit your business needs.

You will be able to design your financing facilities from our range of trade and working capital products:

  • Overdraft
  • Short term loan
  • Letter of Credit / Banker’s Guarantee/Invoice Financing

Our specialists will be able to help you make the best decisions.

Your Business Banking made easy

Your dedicated Relationship Manager will help you make the most of your business opportunities.

Our state-of-the-art online platform, Straight2Bank, makes banking a breeze from your desktop and your mobile.

Our business working capital solutions require you to maintain your operating account with us. This helps us offer a simple annual facility review so you can focus on building your business.

More about your operating account

Your account with us should have business inflows of at least 50% of the facility limit every quarter to qualify as an operating account.

We know that it takes time to move your business to a new bank. So we start measuring your business inflows after 3 months from the month the facility is made available to you.

Thereon the inflows in your account are measured once every calendar quarter.

Innovative one-stop financing solutions for businesses such as yours.

Our working capital solutions offer you the flexibility to select services based on your needs so you can achieve better control of your cash flow and grow your business.

Key features
  • Facility limit up to USD2 million
  • Simple and hassle free application
  • Flexible facility structure
  • Overdraft
  • Short term loans
  • Trade facilities such as Letter of Credit, Invoice Financing, Banker’s Guarantee

To borrow or not to borrow? Borrow only if you can repay!

Terms and Conditions
  1. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) reserves the right to determine the facility amount, interest rate, handling fee rebate or any other offer in respect of the facility applied, or to decline client’s application in its entirety without giving any reason for doing so. If an application for Loan is declined, no contractual relationship arises between the Bank and the client in respect of any product or service requested in the application.
  2. The applicable interest rate and acceptance of a facility application is entirely at the discretion of the Bank and is to be considered on a case-by-case basis in accordance with the client’s credit records and all other relevant factors.
  3. The Bank reserves the right to change or terminate and amend any of the terms and conditions of the facility at any time. In case of disputes in the connection with the facility and any of the special offers set out in this document, the Bank’s decision shall be final and binding.
  4. For general terms & conditions for particular products of Business Working Capital, please refer to respective Terms and Conditions, Application forms and other documents at or contact our branch staff.
  5. Should there be any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
Risk Disclosure Statement for Foreign Exchange:

Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the customer converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

Risk Disclosure Statement for RMB Investment:

Risk relating to Renminbi – You should note that the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government’s control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your return under this product when you convert Renminbi into your home currency. Renminbi is not a freely convertible currency. Any conversion of Renminbi through banks in Hong Kong may be subject to certain restrictions prevailing at the relevant time.

You might also be interested in

SME Loan Guarantee Scheme

We offer many privileges enabling you to benefit from the Government's SME Loan Guarantee Scheme.

Learn more »
Business Advance

Standard Chartered Business Advance gives small-to-medium enterprises access to short, medium and long-term funding for both today's financial needs as well as tomorrow's growth.

Learn more »
Cash Management

Standard Chartered provides comprehensive Cash Management Services to handle your company's cash flow with greater convenience and efficiency anytime, anywhere.

Learn more »
SME Financing Guarantee Scheme

As a participating bank in the HKMCI's scheme, we are pleased to provide you with comprehensive financing solutions that suit your business plans with no hassles.

Learn more »