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Credit protection
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Cash flow challenge: I want to protect my income from bad debt or customer insolvency.
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Perfect for: SMEs working with high-value clients or long payment terms, where the risk of non-payment could seriously impact operations.
Unexpected non-payment can derail even the most stable businesses. Credit protection helps you trade confidently by insuring eligible invoices against the risk of customer default or insolvency.
Novuna Business Cash Flow compares a range of credit protection solutions to help you safeguard income and reduce risk.
Our cash flow management options
Pages in this SectionWhat is credit protection?
Credit protection helps you avoid serious disruption to cash flow when customers don’t pay what they owe. This is either due to insolvency, extended delays or default.
You insure your eligible invoices or client accounts against this risk, and if the worst happens, you’ll receive compensation for the unpaid amount (up to the policy limit).
This solution is particularly useful for businesses with long payment terms, large client contracts, or exposure to sectors with higher insolvency rates.
How it works with Novuna Business Cash Flow
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Tell us who you work with and what you need to protect
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We compare multiple protection providers and recommend the best fit
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You apply - with full support from a credit protection specialist
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If approved, your invoices or client accounts will be covered
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You’ll be paid out if a protected customer defaults, delays or goes insolvent
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is credit protection right for you?
A single customer accounts for a large portion of your revenue
Credit protection safeguards your business if a key client fails to pay.
You’re taking on new customers or expanding into new markets
It reduces risk when dealing with unfamiliar buyers or markets.
You want to secure income without chasing payments or risking loss
Ensures you get paid even if customers delay or default.
If that sounds like your business, we’ll help you choose the right type of protection and provider.
Novuna can support businesses with a range of protection options
I want protection for individual invoices
I want to reduce the risk of non-payment from insolvency
I want a policy that covers my entire client book
I want to protect recurring income from contracts
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 bad debt stall your business
A single unpaid invoice can lead to cash flow shortfalls, missed payroll, or credit issues
Insurance can help protect your most important customer relationships and contracts
Comparing your options helps you avoid high-cost or unsuitable cover
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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