Inquire Now

Working Capital


From managing your working capital and growing your business to protecting it and increasing your yield, choose what we can do for you and your business.

LOLC Finance specializes in helping customers grow. Whatever sector, and at whatever stage of growth your business is in, we have the industry knowledge and financial expertise to optimize your finances and help your business thrive. Take control of your cash flow with efficient management of collections and payments, inventory, and credit.

Your working capital financing from LOLC Finance will be tailored to suit your business, taking into consideration its own unique needs and business cycles. Our full suite of transactional services will assist you in managing your cash flow with greater ease and convenience.

How can we help facilitate your cash flow?

  • Short Term Loans & Speed Draft
    Take advantage of our speedy solutions for short term financial requirements. This is because we believe in helping SMEs grow and prosper in order to better our communities. With our speedy services and lending solutions, you will never have to watch while opportunities for expansion pass you by.
  • Invoicing Factoring & Invoice Discounting
    Whether it is a multinational corporation or small to medium sized enterprise, when it comes to factoring, LOLC Finance is your partner of choice. This is an alternative way of drawing money against your invoice, whilst retaining control over your collection of customer payments.
  • Purchase Order Facility
    We understand your business is unique, so we offer solutions that address your specific needs. This product allows you to accept Purchase Orders regardless of your current capital availability.
  • Cheque Discounting Facility
    We recognise that collections and payments are more than financial transactions. They are fundamental to your business and its financial health. This facility enables you to confidentially raise funds from your own company cheque by en-cashing post dated cheques of your customers.
  • Margin Trading
    Our margin rates are among the most competitive in the industry. The rate you pay depends on your outstanding margin balance. Trading on margin allows you to leverage securities you already own to purchase additional securities, sell securities short, protect your account from overdraft, or access a convenient line of credit.

Margin Trading


LOLC Finance margin rates are among the most competitive in the industry where the rate you pay depends on your outstanding margin balance. Trading on margin allows you to leverage securities you already own to purchase additional securities, sell securities short, protect your account from overdraft, or access a convenient line of credit.

  • Convenience
    Borrow for any purpose, at any time. Once you have been approved for margin borrowing, there are no additional forms to complete, application fees to pay, or loan officers to consult.
  • Repayment flexibility
    There is no set repayment schedule as long as you maintain the required level of equity in your account. Interest charges on outstanding balances are posted to your account monthly. Any cash and dividend income received will be automatically applied to your margin balance.
  • Opportunity to leverage assets
    Margin borrowing lets you leverage securities you already own to purchase additional securities. This gives you the opportunity to amplify returns, but it can also increase risk.
  • Know the requirements
    If the market value of the securities in your margin account declines, you may be required to deposit more money or securities in order to maintain your line of credit. If you are unable to do so, LOFC may be required to sell all or a portion of your pledged assets.