Commercial Factors

Through Commercial Factors, we offer you upfront payments ranging from 80% up to 90%, against your receivables. Our flexible customized products arm you with many benefits, including access to our branches located island wide, namely our fully fledged factoring branches in Kandy and Nawala.


Upfront cash against future receivables

No inconvenience of ‘temporary overdrafts’ to fulfil a customer’s immediate cash requirements.

Takeover of debt collection, allowing the customer more time to focus on marketing.

Customers can outsource their sales ledger administration to CLC and supervise all transaction through the ‘Infinity’ online service.

We will take care of customers’ debtor post-dated cheques, freeing them of Cheque Management.

Evaluate buyers by our expert team. Customers can obtain a free reference before they sell on credit.

Our team is capable of providing you a customised service to suit your requirements within below products:

Recourse Factoring

We pay you upfront cash on your credit invoices up to 80 – 90% of the invoice value and collect dues from your debtors.

Invoice Discounting

Discount your debtor’s invoice along with their cheque and obtain upfront cash up to 80% of the invoice/cheque value.

Debtor Cheque Discounting

Discount your debtor’s post- dated cheque and obtain upfront payment up to 80% of the cheque value. Be free of the hassle of post – dated cheque management.

Client Cheque Discounting

Discount your company cheque to obtain an advance payment to clear your imports and purchase your raw materials on time, availing a more flexible service to suit your funding requirements whenever you need.

Commercial Factors, CLC’s factoring arm, was established in 1994 with its operations branded as “Commercial Factors” in 2006. For over a period of 20 years, Commercial Factors developed an unparalleled expertise in factoring operations in Sri Lanka, becoming one of the most reputed working capitals and receivable management service providers in the country.

Our expertise lies with designing working capital facilities, specifically to support the needs of the emerging SME sector. We are happy to announce that our factoring services have created a highly effective source of working capital financing for the SME sector, contributing towards SME financial sustainability and growth.