{{article_summary}}
Accounts receivable factoring
-
Cash flow challenge: I need to unlock cash tied up in unpaid invoices.
-
Perfect for: Businesses that invoice other businesses and want to improve cash flow while outsourcing collections.
Novuna helps you compare accounts receivable factoring providers, apply with expert support, and secure finance that grows with your business.
Related funding options
Pages in this SectionWhat is accounts receivable factoring?
Accounts receivable factoring allows your business to sell unpaid invoices to a third-party finance provider (known as a factor) in exchange for immediate working capital.
You’ll typically receive up to 90% of the invoice value upfront, with the remaining balance (minus fees) paid once your customer settles the invoice. The factoring company also takes responsibility for collecting payment giving you more time to focus on running your business.
In most cases, this process is the same as invoice factoring or debt factoring. The term ‘accounts receivable factoring’ is often used in accounting software, procurement, or international trade especially in North America.
How it works with Novuna Business Cash Flow
-
Tell us your funding challenge - complete a short form or call
-
We compare providers and recommend the best-fit solution
-
You apply - with full support from a cash flow expert
-
Access funds fast - often within 24-72 hours
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is accounts receivable factoring right for you?
You want to turn outstanding invoices into working capital
Factoring provides immediate cash by selling your invoices, improving liquidity.
You’d like help managing collections and debtor relationships
Factoring includes credit control services, taking pressure off your team.
You regularly invoice other businesses (B2B)
Best suited for B2B companies with consistent invoicing and debtor activity.
If that’s your situation, we can help you compare lenders and secure a facility that works for you.
Novuna can support businesses with a range of funding challenges
I want faster access to invoice payments
I want to stay in control of collections
I want finance that scales with accounts receivable
I need help chasing payments
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 that grows with your sales
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
Why take action now
Free up working capital and reduce payment delays
Accounts receivable factoring unlocks the value in unpaid invoices
The sooner you act, the better your options
We help you avoid high-cost lending by comparing the right products upfront
Why choose Novuna Business Cash Flow?
Businesses trust us for accounts receivable finance
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 funding looks like in your sector
Get advice tailored to the challenges in your industry
