Lock Finance Limited

What’s harsher than fashion trends?

Cashflow when your bank pulls your trade finance line just as orders are due.

This seasonal apparel business was out of options — until Lock Finance backed them with an import facility and invoice finance, giving them the certainty to place orders, extend terms to key customers, and trade stronger than before.

Invoice Finance | Turning Seasonal Risk into Year-Round Strength By combining import and invoice finance, the company came out stronger: able to trade confidently, protect profitability, and build goodwill with their customer base. What began as a crisis of confidence ended with a business more resilient than before.

What happens when your best client pays late?

For this print company, everything was on the line—supplier payments, machinery finance, even payroll. All because a few invoices got paid a few days late.

The banks wouldn’t help.
But our API-linked invoice finance did.

We connected their Xero account to a daily funding line—cash in the door the moment an invoice went out. No delays. No stress. No excuses.

If late payments are crushing your business, it’s time to stop waiting.

Let us show you how to fund like it’s 2025, not 1995.

Invoice Finance | How Invoice Finance Helped a Print Business Stay Ahead of the Squeeze With tight supplier terms, heavy machinery costs, and shrinking margins, a commercial printer found itself struggling to maintain working capital. Late payments from clients could mean missing critical equipment finance or supplier deadlines. Lock Finance implemented an automated invoice finance sol...

After years of profitability, a labour hire firm was caught in the long tail of the COVID downturn. As key client sectors collapsed, revenue declined, and their bank, once a steady partner, refused to lend further without additional personal guarantees. Lock Finance offered an alternative: a scalable, receivables-backed facility that gave the business the time and flexibility it needed to recover and reposition.

Invoice Finance | When the Bank Walked Away – How a Labour Hire Firm Rebuilt with Invoice Finance After years of profitability, a labour hire firm was caught in the long tail of the COVID downturn. As key client sectors collapsed, revenue declined, and their bank, once a steady partner, refused to lend further without additional personal guarantees. Lock Finance offered an alternative: a scalabl...

Struggling with inflexible banking terms? You're not alone!

When an FMCG importer found itself in a cash flow crunch—despite being profitable—its bank refused to budge on restrictive covenants and a static overdraft. Enter Lock Finance with a flexible invoice finance solution that doubled the bank’s offer, providing the working capital needed to thrive during peak season.

Curious how invoice finance could unlock your business’s growth potential? Discover how this custom solution helped them break free from banking limitations.

Invoice Finance | Smart Financing Move—How an Importer Wholesaler Leveraged Invoice Finance to Overcome Bank Limitations An importer and wholesaler in the FMCG sector faced cash flow challenges after breaching banking covenants due to reduced revenue. Despite profitability, their bank remained inflexible, imposing high-interest cover and equity ratios. The fixed bank overdraft did not meet the business’s growing sea...