Invoice insurance

  • Cash flow challenge: I want to protect my income from overdue or unpaid invoices.

  • 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’ll help you explore options from trusted UK providers based on your sector, turnover and goals.

Compare providers Speak to an expert

What 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

  1. Choose the invoices you want to protect
    Insure all your receivables or just selected customers - depending on your provider and policy type.

  2. If your customer delays or defaults
    You notify your insurer and submit documentation for a claim.

  3. Get reimbursed
    The insurer pays out a pre-agreed percentage of the invoice value, helping you maintain cash flow and continue trading.

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.

Compare providers Speak to an expert


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 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

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

  • Over 40 years of experience in business finance

  • Access to multiple funding partners - not just our own products

  • Personal support from real cash flow experts

  • Transparent advice based on what’s best for your business


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 reviews

We're a multi-award winning business cash flow specialist


What invoice protection looks like in your sector

Get tailored advice to the challenges in your industry

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FAQs


We compare trusted invoice insurers to help protect your cash flow

Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.

Complete the form below to compare and save with Novuna Business Cash Flow:

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