Execute confirmed opportunities
Helps an eligible business move from an awarded order or contract to delivery.
All financial services
SERVICE 05
Turn confirmed business into execution capacity
Invoice Discounting / LPO / Contract Loan
Working finance for eligible businesses that have a confirmed invoice, Local Purchase Order, or awarded contract but need capital to deliver or maintain cash flow.
Responsible assessmentEligibility and terms are confirmed after review.
Understanding the solution05
Service overview
Financing designed around a clear purpose.
Winning an order or completing work does not always mean the customer pays immediately. A supplier may need to buy stock before fulfilling an LPO, a contractor may need to mobilise labour and materials, or a business may wait through a customer’s normal invoice-payment cycle after delivery. These timing gaps can restrict otherwise healthy operations.
Invoice Discounting, LPO Financing, and Contract Financing address different points in that cycle. Invoice discounting relates to a confirmed unpaid invoice; LPO financing supports the purchase of goods or services needed to fulfil a Local Purchase Order; and contract financing supports eligible execution costs connected to an awarded contract. The underlying transaction, counterparty, business capacity, and supporting documents are reviewed before a decision is made.
Important
Union Financial does not publish assumed approval times, interest rates, amounts, or guarantees on this page. Product availability, eligibility, pricing, security, repayment terms, and required documents are confirmed directly for each application.
Potential uses
What this financing may help you do.
The right use depends on the selected product, your eligibility, and the purpose accepted during assessment.
01
Purchase goods required by an LPO
02
Mobilise labour or equipment for a contract
03
Buy materials for confirmed work
04
Pay suppliers during execution
05
Maintain operations while awaiting invoice payment
06
Accept larger confirmed customer orders
07
Manage long customer payment cycles
08
Protect day-to-day business cash flow
Why it can be useful
Built to support an important next move.
Reduce timing pressure
Supports the gap between business expenditure and customer settlement.
Maintain supplier relationships
Working funds may help the business purchase required inputs when they are needed.
Preserve operating continuity
Allows current cash resources to continue supporting essential daily activity.
Who it may suit
A relevant option for eligible applicants with a clear need.
Suppliers holding a valid LPO
Contractors with awarded work
Businesses holding confirmed unpaid invoices
SMEs with a demonstrable ability to execute the transaction
Businesses dealing with established customers or counterparties
Prepare for your enquiry
Information that may support your application.
Exact requirements vary. Preparing clear, current, and accurate information can help the team understand your request and advise you on the correct next step.
Ask for your checklistITEM 01Valid invoice, LPO, or signed contract
ITEM 02Business registration and identification documents
ITEM 03Customer or counterparty information
ITEM 04Recent bank or financial statements
ITEM 05Costing, supplier quotations, or execution budget
ITEM 06Evidence of previous delivery capacity where requested
ITEM 07Tax or compliance documents relevant to the transaction
ITEM 08Any additional security or assignment documents requested
Application journey
Four clear next steps.
The team will confirm any additional product-specific actions as your request progresses.
Share the transaction
Provide the invoice, LPO, or contract and explain what must be financed.
Demonstrate capacity
Show how the business plans to source, execute, deliver, and receive payment.
Complete verification
The documents, counterparty, costs, and business information are reviewed.
Receive a financing decision
Eligible transactions proceed to an applicable offer and execution stage.
Speak with Union Financial