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Bad debt protection
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Cash flow challenge: I want to protect my business from customer non-payment.
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Perfect for: Businesses that trade on credit and want to minimise the risk of bad debt from late payments or customer insolvency.
Bad debt protection helps safeguard your income when customers can’t or won’t pay, from slow payers to those facing insolvency.
Novuna helps you compare bad debt protection solutions from trusted UK providers, giving you peace of mind when extending credit to customers.
Our cash flow management options
Pages in this SectionWhat is bad debt protection?
Bad debt protection helps reduce the risk of financial loss if your customer becomes insolvent or fails to pay an invoice within a set timeframe.
It’s typically used as an add-on to invoice finance, ensuring you still get paid even if your customer can’t.
Some providers offer standalone bad debt protection or include it within broader credit protection packages.
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 match you with trusted providers based on sector and credit risk
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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 bad debt protection right for you?
Your business would struggle with a large unpaid invoice
Bad debt protection covers you if a major customer fails to pay, safeguarding your cash flow.
You’ve previously experienced bad debt or late payment
Helps prevent repeat losses from non paying or slow paying customers
You want peace of mind that income is protected
Ensures stability and confidence in your revenue, even in high-risk trading situations.
If that sounds like your business, we’ll help you find a policy that fits your cash flow setup.
Novuna can support businesses with a range of protection options
I want protection for single high value invoices
I want to protect my entire client book
I want to protect recurring accounts and contracts
I want templates and calculators to plan my cash flow
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 the best 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
A single unpaid invoice can trigger serious cash flow problems
Customer insolvencies are on the rise and protection can be crucial
We help you avoid high-cost lending by comparing the right products upfront
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 protection looks like in your sector
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