At LOP Commercial, we understand that managing cash flow is one of the biggest challenges businesses face—especially in fast-moving industries where payment terms are long, but expenses are immediate. Our Invoice Finance and Working Capital Finance solutions are designed to unlock the cash tied up in your business and give you the flexibility to grow without delay.

Whether you’re waiting on unpaid invoices or need a buffer to handle payroll, inventory, or a surge in demand, we’re here to provide tailored funding solutions that put your business back in control.

What is Invoice Finance?

Invoice Finance is a funding solution that allows businesses to access up to 90% of the value of their unpaid customer invoices—immediately. Instead of waiting 30, 60, or even 90 days to be paid, you can unlock the cash you’ve already earned and reinvest it into your business.

At LOP Commercial, we offer both Invoice Factoring and Invoice Discounting, depending on how hands-on you want to be with customer collections.

How it works:

1. You issue an invoice to your customer.
2. LOP Commercial advances a percentage of the invoice (typically 80–90%) within 24–48 hours.
3. Once your customer pays, you receive the remaining balance minus a small fee.

Benefits of Invoice Finance:

• Improved cash flow without taking on debt
• Faster access to working capital
• Support during seasonal fluctuations or rapid growth
• Protection against late payments
• More predictable finances to plan ahead confidently

Whether you’re a growing business with cash tied up in receivables or a company dealing with payment delays, invoice finance helps bridge the gap between invoicing and actual income.

What is Working Capital Finance?

Working Capital Finance is a broader funding solution designed to give your business access to cash for everyday operations—without needing to rely solely on revenue or overdraft facilities. It ensures you can meet your short-term obligations and invest in new opportunities.

We offer flexible funding facilities, including:

• Business credit lines
• Short-term loans
• Revolving credit facilities

Use Working Capital Finance for:

• Purchasing stock or inventory
• Covering payroll or rent
• Funding new orders or contracts
• Managing operational expenses
• Taking advantage of supplier discounts

At LOP Commercial, we tailor working capital finance around your specific business model, ensuring it strengthens—not strains—your balance sheet.

Why Choose LOP Commercial?

We’re more than just a finance provider—we’re a partner in your business success. At LOP Commercial, we take the time to understand your business, sector, and challenges. We build financing solutions that work for your reality—not generic lending formulas.

Here’s what sets us apart:

• Fast and flexible funding decisions
• Transparent pricing with no hidden fees
• Access to funding within days
• Expert guidance from experienced advisors
• Solutions for both SMEs and larger enterprises

We’ve helped businesses across manufacturing, logistics, recruitment, construction, and more access the capital they need to grow confidently.

Our Process Is Simple and Quick

We know timing is everything in business. That’s why our application and funding process is designed for speed and simplicity:

1. Initial Consultation – Tell us about your business and goals
2. Solution Design – We propose a funding package tailored to your needs
3. Approval & Documentation – We process your application efficiently
4. Fast Funding – Access your capital and keep your business moving

Let’s Keep Your Business Moving

Don’t let unpaid invoices or cash flow gaps hold you back. With Invoice Finance and Working Capital Finance from LOP Commercial, you can unlock liquidity, take control of your finances, and seize new opportunities with confidence.

Call us today on 0330 311 0001 or email info@lopcommercial.co.uk

We’ll help you fuel your day-to-day operations—and your future growth.