Asset & Invoice Finance
Structured working capital solutions aligning equipment and cash flow finance with business performance to support sustainable growth without constraint.
Asset & Invoice Finance
Solutions aligned with the way your business generates income
Business funding is not about filling gaps. It is about protecting flexibility and aligning capital with how your company actually operates.
For growing businesses, cash flow timing and capital allocation matter as much as revenue. Vehicles, machinery and technology require investment. Long payment terms delay income. Expansion increases pressure before it increases liquidity.
We act as your strategic intermediary — structuring asset and invoice finance facilities that match your trading cycle, protect working capital and support growth without introducing unnecessary strain on the balance sheet.
Why Asset & Invoice Finance Requires Strategic Alignment
Cash Flow Timing Matters More Than Headline Turnover
Strong revenue alone does not guarantee stability.
Lenders assess trading history, cash flow cycles, debtor quality and sector exposure — not just profit figures.
We ensure your business performance is presented clearly — aligning funding with how money actually flows through your operation rather than relying on surface-level metrics.
Asset Type and Sector Risk Influence Lender Appetite
Not all funders assess vehicles, plant, technology or debtor books in the same way.
Risk tolerance varies by industry, asset lifespan, contract strength and client concentration.
We position your case with institutions genuinely comfortable with your sector profile — avoiding restrictive terms or misaligned facilities.
Working Capital Protection Drives Sustainable Growth
Asset finance and invoice finance are tools for preserving liquidity.
Used correctly, they protect payroll, tax cycles, supplier relationships and expansion plans.
We structure facilities around realistic cash flow forecasting — ensuring funding supports growth rather than creating pressure.
Structure and Flexibility Determine Long-term Value
The objective is not just access to capital.
It is repayment structure, drawdown timing, confidentiality where required and exit flexibility.
We align facilities with your wider strategy — keeping control firmly with the business while maintaining optionality for future expansion.
Structured Capital Positioning
Access to Specialist Funders
Negotiated, Flexible Terms
Why Asset & Invoice Finance with London FS?
Asset and invoice finance require more than lender access.
They require disciplined structuring, careful positioning and alignment with institutions that understand how your business operates.
We act as your strategic intermediary — aligning asset profile, cash flow cycle, sector exposure and growth plans with funders equipped to deliver flexible, commercially sensible facilities.
Discreet and Efficient Process
Cash Flow Focused Structuring
Long-Term Commercial Alignment
Who Benefits from Asset & Invoice Finance
Growing SMEs & Scaling Businesses
Asset-Intensive & Operational Businesses
Recruitment, Wholesale & Project-Based Firms
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 
we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Structured Capital Aligned to Your Business
When growth creates pressure on working capital, clarity and structure matter. Funding should feel controlled, aligned and commercially sensible — not reactive.
Whether you need to acquire assets, unlock cash from invoices or stabilise expansion, the right facility should strengthen your position rather than strain it.
Arrange a confidential discussion and let us structure your funding correctly from the outset.
Our Wealth Services
Our wealth services are designed for clients with complex financial structures, international assets and long-term strategic objectives. We provide structured, independent advice across private bank finance, Lombard lending and portfolio landlord strategy — ensuring your capital and property holdings remain flexible, protected and aligned with your broader wealth plan.
Latest Financial News & Blogs
Frequently Asked Questions on Portfolio Landlord Finance
What is the difference between asset finance and invoice finance?
Asset finance spreads the cost of purchasing equipment, vehicles or machinery over time. Invoice finance unlocks cash tied up in unpaid invoices. One funds acquisition. The other improves cash flow timing.
What types of assets can be financed?
Most tangible business assets can be funded, including commercial vehicles, plant, manufacturing equipment, medical tools, technology and office fit-out assets.
Is asset finance better than paying cash?
Often yes. Preserving working capital can create more long-term value than owning an asset outright, particularly if liquidity supports payroll, stock or expansion.
How is affordability assessed for asset finance?
Lenders typically review trading history, sector exposure, cash flow performance and the asset itself. Strong, stable trading generally improves available terms.
How much of my invoice value can I access upfront?
Invoice finance facilities usually release a percentage of the invoice value initially, with the remaining balance provided once your client pays.
Will my customers know I am using invoice finance?
With invoice discounting, facilities are typically confidential. With factoring, the lender may manage credit control, meaning clients are aware of the arrangement.
Is invoice finance only for businesses under pressure?
No. It is commonly used by profitable, growing businesses that want predictable working capital rather than waiting for extended payment terms.
Can new or young businesses access these facilities?
In many cases, yes. Strong contracts, sector demand and experienced directors can support approval, even with shorter trading history.
Do I need a deposit for asset finance?
Sometimes. Deposit requirements vary depending on asset type, trading strength and overall risk profile. Some structures may require minimal upfront capital.
Is asset or invoice finance expensive?
Cost depends on risk profile, facility size and structure. The more important question is whether the liquidity and flexibility gained outweigh the funding cost in supporting growth.