{{article_summary}}
Business financial planning
-
Cash flow challenge: I need a clear strategy to manage money, reduce risks, and prepare for growth.
-
Perfect for: Businesses and finance leads who want structured financial plans to guide decisions and secure funding.
Novuna helps you compare providers and recommend a great fit for your situation
Our cash flow management options
Pages in this SectionWhat is a business financial plan?
Business financial planning creates a structured approach to managing money, investments, and risks. It combines forecasting, budgeting, and cash flow strategies to give business owners clarity and control.
Beyond day-to-day management, it helps set long-term financial goals, assess funding needs, and prepare for potential challenges. Effective planning also supports better decision making, ensures resources are used efficiently, and provides the flexibility to adapt as markets or business conditions change.
How it works with Novuna Business Cash Flow
-
Tell us who you’re selling to - and what protection you’re looking for
-
We compare providers and recommend a great fit for your situation
-
You choose the level of protection you need
-
You can relax, knowing you’ll still get paid if a customer fails
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is business financial planning right for you?
You want clarity over income, costs, and future cash needs
A structured plan helps you see exactly when money is coming in and going out, reducing the risk of shortfalls.
You’re preparing for growth, funding, or investment
Robust financial forecasts strengthen applications and give investors or lenders confidence in your business.
You need expert support to structure your finances strategically
Professional planning ensures your finances are aligned with long-term goals, not just day-to-day operations.
If that sounds like your business, we’ll help you find a provider that fits your situation.
Novuna can support businesses with a range of business funding options
I need short-term funding for cash flow and operating costs
I need finance to scale my business
I need access to quick funding
I need access to funds while waiting for invoices, investments or assets.
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you a great deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises – just honest advice with no hidden fees.
Receive funding fast
Get access to finance quickly so you can focus on your business.
Why take action now
Don’t let a cash flow pinch stop your business
Avoid financial surprises by planning ahead.
Strengthen funding applications with clear financial evidence.
Improve confidence in decision-making with expert insights.
Why choose Novuna Business Cash Flow?
Why businesses trust us for fast funding
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What funding looks like in your sector
Get tailored advice to the challenges in your industry
What’s the difference between business financial planning and accounting?
Accounting looks at historic performance, while financial planning focuses on the future helping you prepare for risks, opportunities, and funding needs.
Can I build a financial plan myself?
Yes, but many businesses prefer expert support to ensure plans are realistic, detailed, and lender-ready. A professional brings experience and benchmarking insights.
How often should I review my financial plan?
At least annually, but ideally quarterly. Regular reviews help you adapt quickly to changes in market conditions, costs, or business performance.
Will financial planning help with loan or investment applications?
Definitely. Clear, evidence based financial plans improve credibility and show lenders or investors you’ve prepared for different outcomes.
