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Working capital finance


Effective cash-flow and debt management are crucial to the success of any business.

From revolving lines of credit and trade-finance facilities to extended payment terms and invoice financing solutions, working capital finance from Siemens is designed to provide flexibility and cost-effectiveness within a stable, long-term partnership. Whether your aim is to improve liquidity, establish lines of credit, optimize the maturity dates of your debt structure or consolidate and refinance debt when lower market rates beckon, there’s a Siemens working capital finance solution that’s right for you.

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Financial products

Alternatives to traditional lending

With traditional lending options remaining restricted, more and more businesses are exploring alternative finance solutions. Working capital finance solutions from Siemens can be an important alternative to traditional credit lines. Solutions range from unlocking up to 90 percent of the value held in unpaid invoices through to giving businesses more time to pay their suppliers.

Release locked assets and improve cash flow

Invoice financing solutions from Siemens help our customers manage their liquidity, while allowing businesses to unlock the value of unpaid invoices and realize company growth ambitions. They offer quick, cost-effective assistance across a full range of industries, from manufacturing, transport and renewables through to service-led operations.

- Tailor-made financing with the flexibility to grow with your business

- Immediate access to up to 90 percent of your sales ledger

- Reduced administration enabled by market-leading technology

- 24/7 online access and availability of management information

- Highly experienced team that understands the particular needs of businesses seeking invoice finance


With invoice finance, Siemens pays you against your approved unpaid sales ledger invoices. Prepayment advances are made at an agreed percentage of their total value, typically 80 percent to 90 percent. As your customers pay, the non-prepaid element of the invoices is made available to you, minus any agreed charges. While the facility continues to run, additional funding is made available on all approved future sales, allowing you access to the cash flow required to run your business.

Understanding invoice finance

Flexible, simple-to-access payment extensions

Manufacturing complex products can mean purchasing and paying for large quantities of goods and components - long before you actually sell the products you make to your customers and receive their payment. This can lead to a strain on your cash flow.  To bridge the gap Extended Payment Term options from Siemens provide an intelligent solution and an alternative to bank borrowing, enabling you to extend payment periods up to 180 days. It’s simple, fast and easy and helps you to manage working capital more effectively.

Understanding extended payment terms

Global reach, local focus on finance

Asset-based lending solutions from Siemens are designed to help businesses manage their cash flow, providing greater financial flexibility for ongoing operational needs and organizational growth. Structured to provide a flexible source of working capital by “monetizing” assets on the balance sheet, they leverage Siemens’ significant industry expertise and marry this insight with innovative financial products, providing strength and commitment to clients around the world.


Revolving lines of credit<