Empower your business with the financial flexibility it needs to thrive. LYT Brokers offers tailored Working Capital Finance solutions designed to meet the short-term funding requirements of your enterprise, whether it’s managing payroll, paying suppliers, or replenishing stock.


Count on LYT Brokers to provide swift and strategic financial support, helping you navigate through dynamic operational needs. Secure the work capital your business deserves, and propel your growth with confidence.
What is working capital finance?
Working capital finance refers to a type of business loan or financial assistance specifically designed to fund a company's day-to-day operational needs, such as covering short-term expenses like payroll, inventory, and utility bills.
Why is working capital important for businesses?
Adequate working capital is crucial for maintaining smooth business operations. It ensures that a company can meet its short-term obligations, seize business opportunities, and weather financial challenges without disruptions.
How can working capital finance benefit my business?
Working capital finance can offer several benefits, including improved cash flow, increased flexibility in managing day-to-day expenses, the ability to take advantage of supplier discounts, and the capacity to invest in growth opportunities.
What are the common sources of working capital finance?
Common sources of working capital finance include traditional bank loans, lines of credit, trade credit, invoice financing, merchant cash advances, and short-term loans. Each source has its own terms and suitability based on the business's needs.
When should a business consider applying for working capital finance?
A business should consider applying for working capital finance when it faces temporary cash flow gaps, needs to cover unexpected expenses, experiences seasonal fluctuations, or wants to invest in opportunities that require immediate funding.
How is the amount of working capital determined?
The amount of working capital needed is determined by calculating the difference between a company's current assets (cash, accounts receivable, inventory) and current liabilities (accounts payable, short-term debt). A positive working capital balance indicates liquidity.
What documents are typically required to apply for working capital finance?
While specific requirements may vary, common documents include financial statements (income statement, balance sheet), business plan, cash flow projections, bank statements, and details about outstanding debts and liabilities.
What is the repayment term for working capital finance?
Repayment terms for working capital finance vary based on the type of financing chosen. Short-term loans may have terms ranging from a few months to a year, while lines of credit may offer more flexibility with revolving terms.
Can working capital finance be used for specific purposes, such as inventory or payroll?
Yes, working capital finance can be tailored to meet specific business needs. Whether it's funding inventory purchases, covering payroll costs, or managing other operational expenses, working capital finance can be customized to address various requirements.
How quickly can a business access working capital finance?
The speed of accessing working capital finance depends on the type of financing and the lender. Some options, like short-term loans or lines of credit, may offer quicker access, while others may involve a more detailed application process.
Is collateral required for working capital finance?
Collateral requirements vary among lenders and financing options. While some working capital finance options may be unsecured, others may require collateral. LYT Brokers can guide you through the available options based on your business's specific situation.