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

The Whole Cycle Reviewed
We look at cash conversion end to end, not just the immediate shortfall.

Confidential Facilities
Options where you do not want customers to know.

Cheapest Is Not Always Right
A facility that flexes with trade often beats a marginally cheaper fixed one.
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.

Overdraft Replacement
Frequently with materially greater headroom than a bank will offer.

Facilities That Scale
Limits that grow with turnover rather than needing renegotiation.

Structural Problems Identified
Sometimes the answer is not more funding. We will tell you.
Who Benefits from Working Capital Finance
Businesses With Long Payment Terms
Seasonal and Cyclical Traders
Companies Outgrowing Collections
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
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.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
Stop Growth Being Constrained by Cash
Facilities that bridge the gap between paying suppliers and being paid by customers.
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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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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.
Will customers know?
Confidential facilities are available where you do not want disclosure.
Can this replace an overdraft?
Frequently, yes, and often with greater headroom.
Which facility suits a seasonal business?
Usually a revolving facility or invoice finance, since both flex with trading rather than fixed repayments.
Is invoice finance debt?
It advances against your sales ledger rather than creating conventional term debt on the balance sheet.
Can I keep my existing bank?
Yes. Most working capital facilities sit alongside your existing banking arrangements.
How quickly can a facility be in place?
Typically two to four weeks for invoice finance, faster for revolving credit.
What if my customers pay late?
That is precisely the problem these facilities solve, though persistent late payers affect terms.
Is a personal guarantee required?
Commonly a limited guarantee or warranty covering fraud and dilution rather than full debt.
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