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Debt financing
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Cash flow challenge: I want to unlock capital from invoices, assets or future revenue
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Perfect for: Businesses with strong order books, valuable assets, or long payment cycles - needing fast working capital
Novuna helps you compare trusted debt finance providers and unlock the best-fit solution for your needs - from invoice factoring and leasing to asset-backed loans.
Our quick funding options
Pages in this SectionWhat is debt financing?
Debt financing lets your business access working capital by borrowing against future income, unpaid invoices, or valuable assets.
It’s a practical way to release tied-up cash without giving up equity helping you cover costs, manage cash flow, or invest in growth.
The main types of debt finance include:
- Invoice finance (including factoring, discounting, spot, or reverse)
- Asset finance (such as hire purchase, leasing or equipment loans)
- Development finance for large-scale commercial projects
It’s fast, flexible, and often easier to access than traditional loans, especially if you have strong sales or assets on your balance sheet.
How it works with Novuna Business Cash Flow
- Tell us your funding challenge - complete a short form or call
- We compare lenders across the full debt finance market
- You apply - with full support from a cash flow expert
- Access funding fast - often within 24-72 hours
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is debt financing right for you?
You have valuable assets you can borrow against
Debt financing lets you unlock funding using property, equipment, or receivables as security.
You want to finance new equipment or vehicles without upfront cost
It enables you to spread the cost of essential purchases while preserving cash flow.
You want finance that grows with your business
Debt solutions can scale alongside your revenue, supporting ongoing expansion.
If any of the above sounds familiar, debt financing could help you move forward.
Novuna can support businesses with a range of funding challenges
For businesses dealing with late payments:
I need to release cash tied up in unpaid invoices
I want to keep control of collections while improving cash flow
I need to fund one or two large invoices quickly
My customers are taking longer to pay and I need flexibility
For businesses with asset-backed growth plans:
I need to release cash tied up in unpaid invoices
I want to spread the cost of essential equipment
I’m looking for flexible equipment leasing options
I want an operating lease to manage cash and avoid ownership risk
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 tied-up capital limit your growth
Debt financing can free up working capital without delay
You stay in control - no equity dilution
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
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