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Invoice insurance
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Cash flow challenge: I want to protect my income from overdue or unpaid invoices.
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Perfect for: SMEs that rely on a small number of large customers, operate in risk-prone sectors, or trade internationally.
Unpaid invoices can cause serious cash flow issues even when your customers seem reliable. Invoice insurance gives you peace of mind by protecting a percentage of your invoice value if a customer doesn’t pay.
We compare providers, help you apply, and make sure you get the right deal for your needs.
Our cash flow management options
Pages in this SectionWhat is invoice insurance?
Invoice insurance protects your business against the risk of non-payment. If a customer becomes insolvent, delays payment, or defaults altogether, your insurer will reimburse a portion of the owed amount typically up to 90%.
It’s a way of de-risking your accounts receivable process, helping you plan ahead and secure finance without being held back by unpaid invoices.
How it works with Novuna Business Cash Flow
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Tell us who you’re selling to - and what protection you’re looking for
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We compare providers and recommend a great fit for your situation
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You choose the level of protection you need
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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 invoice insurance right for you?
A single unpaid invoice could cause cash flow problems
Invoice insurance shields your business from the financial hit of a major non-payment.
You want to protect specific invoices rather than your entire ledger
Offers targeted cover for high value or high risk transactions.
You want confidence trading with new or higher risk clients
Reduces the risk of dealing with unfamiliar or potentially unstable customers.
If this sounds like your business, we’ll help you compare providers and arrange cover quickly.
Novuna can support businesses with a range of protection options
I want to protect my full sales ledger
I want protection for recurring client accounts
I want a simpler credit protection product for small or medium invoices
I want practical tools for managing cash flow and forecasting
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
Reduce the risk of bad debt and late payments before they damage your cash flow
Protect your growth plans against unexpected client defaults
Get confidence to extend payment terms to key customers without increasing risk
Why choose Novuna Business Cash Flow?
Why businesses trust us for flexible 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 invoice protection looks like in your sector
Get tailored advice to the challenges in your industry
Is invoice insurance the same as trade credit insurance?
Trade credit insurance is the umbrella term, invoice insurance is a more targeted solution designed for single or selected invoices. Both provide cover against non-payment.
What’s the difference between invoice insurance and bad debt protection?
Invoice insurance is proactive where you get a payout when a customer doesn’t pay. Bad debt protection is often included in invoice finance facilities to reduce risk to the lender, and may not always cover the full amount.
Can I combine invoice insurance with invoice finance?
Yes - it’s a popular pairing. You can improve access to funding while protecting against customer default at the same time.
What are the benefits of invoice insurance?
- Protect cash flow from customer non-payment
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Trade with confidence, even with new clients
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Reduce bad debt exposure and improve financial stability
- Strengthen borrowing potential with secured receivables
