Working Capital Finance

Facilities that bridge the gap between paying suppliers and being paid by customers.

Working Capital Finance

Closing the gap between paying suppliers and being paid

Working capital problems are usually structural rather than temporary. We look at the whole cash conversion cycle before recommending a facility, since the cheapest product is not always the right one.

We Structure

Why Working Capital Finance Requires the Right Lender

What we arrange

  • Revolving credit facilities and overdraft alternatives
  • Invoice finance and selective invoice discounting
  • Trade and supply chain funding
  • Seasonal and cyclical facilities

Who this is for

  • Businesses with long customer payment terms
  • Companies managing seasonal cash flow swings
  • Firms growing faster than cash collection allows

How London FS helps

Working capital problems are usually structural rather than temporary. We look at the whole cash conversion cycle before recommending a facility, since the cheapest product is not always the right one.

Important information

The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.

Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

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The Whole Cycle Reviewed

We look at cash conversion end to end, not just the immediate shortfall.

Key person

Confidential Facilities

Options where you do not want customers to know.

Clipboard list

Cheapest Is Not Always Right

A facility that flexes with trade often beats a marginally cheaper fixed one.

Why Choose Us

Why Working Capital Finance with London FS?

Working Capital Finance requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.

Working capital problems are usually structural rather than temporary. We look at the whole cash conversion cycle before recommending a facility, since the cheapest product is not always the right one.

Timeline

Overdraft Replacement

Frequently with materially greater headroom than a bank will offer.

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Facilities That Scale

Limits that grow with turnover rather than needing renegotiation.

Target

Structural Problems Identified

Sometimes the answer is not more funding. We will tell you.

Our Clients

Who Benefits from Working Capital Finance

Businesses With Long Payment Terms

Seasonal and Cyclical Traders

Companies Outgrowing Collections

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Stop Growth Being Constrained by Cash

Facilities that bridge the gap between paying suppliers and being paid by customers.

Our Services

Related Commercial Finance Services

Our Commercial Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

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Latest Financial News & Blogs

FAQ

Frequently Asked Questions on Working Capital Finance

Is invoice finance the same as a loan?

No. It advances against your sales ledger rather than creating term debt.

Confidential facilities are available where you do not want disclosure.

Frequently, yes, and often with greater headroom.

Usually a revolving facility or invoice finance, since both flex with trading rather than fixed repayments.

It advances against your sales ledger rather than creating conventional term debt on the balance sheet.

Yes. Most working capital facilities sit alongside your existing banking arrangements.

Typically two to four weeks for invoice finance, faster for revolving credit.

That is precisely the problem these facilities solve, though persistent late payers affect terms.

Commonly a limited guarantee or warranty covering fraud and dilution rather than full debt.