Unlock Your Cash Flow with LOLC Factoring

Domestic Factoring

Ensure uninterrupted cash flow with LOLC’s Domestic Factoring solutions. By converting your trade receivables into immediate working capital, you can focus on growing your business while we take care of collections. This facility helps businesses manage liquidity effectively, reduce credit risks, and strengthen supplier and customer relationships.
With over three decades of expertise, LOLC has pioneered factoring in Sri Lanka, giving businesses an edge in managing receivables. Our Domestic Factoring solution is ideal for SMEs and large enterprises alike, providing faster access to funds and reducing the waiting time associated with credit sales.

Invoice Discounting

Unlock the cash tied up in unpaid invoices with our Invoice Discounting facility. Designed for businesses that extend credit to customers, this solution provides immediate funds against receivables, strengthening your working capital cycle. It allows you to continue extending credit terms to clients while maintaining a healthy cash flow for day-to-day operations.

By partnering with LOLC for invoice discounting, you gain the ability to accelerate cash inflows while maintaining professional customer relationships. Our structured approach ensures transparent and efficient funding, helping you manage growth opportunities with confidence and ease.

Working Capital Loans

Meet your short-term financial obligations with LOLC’s Working Capital Loans. Whether it’s managing operational costs, payroll, or unexpected business expenses, our flexible financing ensures your company continues to run smoothly. With quick approvals and tailored repayment structures, this solution helps businesses stay resilient in dynamic markets.
At LOLC, we understand that working capital is the lifeblood of every business. That’s why our loans are structured to deliver the right level of support when you need it most, with repayment plans that adapt to your cash flow. It’s a simple, reliable way to bridge financial gaps without disrupting your operations.

Debtors Cheques Discounting

Access instant liquidity by discounting your post-dated customer cheques through LOLC. With a pre-approved block facility, you can obtain funding for cheques ranging from 30 to 90 days, without waiting for maturity. This service is ideal for businesses that rely on cheque payments, enabling smoother cash flow and faster reinvestment in operations.

Our cheque discounting facility is designed to give you the financial breathing space needed to keep your business moving. By reducing the waiting time for customer payments, you can confidently manage expenses, expand operations, and seize new business opportunities without delay.

Discount your own Cheques

Bridge your company’s short-term funding requirements with our Client Own Cheque Discounting facility. By discounting your own company cheques, you can quickly generate the capital needed to meet urgent obligations. This product is specifically designed for short-term working capital needs and is offered under clearly defined conditions to support responsible financial management.

This facility is particularly useful during seasonal demand, unexpected expenses, or urgent supplier payments. With LOLC’s proven expertise and transparent processes, you gain a trusted partner who ensures you have timely access to funds while keeping your financial commitments in check.

Flex Draft

Enjoy flexible borrowing options with LOLC’s Flex Draft facility. Customers have the convenience of paying only the interest for the stipulated period, making this a cost-effective solution for short-term financing. In addition to meeting working capital needs, this facility can also be structured to finance new asset purchases, such as vehicles and machinery empowering your business to grow with confidence.

Our Flex Draft is tailored for businesses seeking agility in financing, whether it’s acquiring a new asset, managing seasonal cash flow, or handling urgent operational needs. By leveraging your existing assets, we help you maximize value and achieve your goals with minimal financial strain.