Alternative overdraft facility

  • Cash flow challenge: I need quick, flexible access to working capital without committing to a traditional bank overdraft.

  • Perfect for: Businesses who want a more flexible and transparent funding option to manage short-term cash flow needs.

An alternative overdraft facility provides a rolling line of credit that works like a bank overdraft but with faster setup, simpler terms, and no hidden fees. It’s ideal for SMEs who want to smooth out cash flow, manage unexpected costs, or take advantage of growth opportunities.

Novuna helps you compare providers to find you a great deal.

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What is an alternative overdraft facility?

An alternative overdraft facility gives your business access to a pre-approved line of credit that you can draw on whenever you need it. Unlike a traditional bank overdraft, it’s usually provided by a specialist lender or platform meaning faster approval, flexible limits, and transparent fees.


The facility can be linked directly to your business bank account or operate separately through an online platform. You only pay interest on the amount you use, making it a convenient safety net for managing short-term working capital gaps.


For businesses facing unpredictable payment cycles or seasonal fluctuations, an alternative overdraft facility can be the difference between cash flow stress and steady operations. It’s funding on demand and ready when you need it, without lengthy applications or rigid banking criteria.

Advantages of an alternative overdraft facility:

  • Flexible access to funds – Draw down money whenever you need it, without reapplying each time.

  • Only pay for what you use – Interest is charged solely on the amount drawn, keeping costs efficient.

  • Quick approval and setup – Alternative lenders typically process applications in days, not weeks.

  • Transparent fees – No hidden charges or complex conditions like many traditional

  • Improves cash flow stability – Helps manage fluctuations in income or unexpected costs with ease.

How it works with Novuna Business Cash Flow

  1. Tell us what you need funding for - complete a short form or call

  2. We compare providers and recommend a great fit for your situation

  3. You apply with full support from a cash flow expert

  4. Get up to 90% of the invoice value within 24-72 hours

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



Is an alternative overdraft facility right for you?

You need flexible, short-term access to working capital

Draw funds as needed to manage cash flow gaps or sudden expenses.

You want a faster, simpler option than a traditional bank overdraft

Fintech and specialist lenders provide quicker decisions with less red tape.

You prefer transparent pricing with no long-term commitment

Pay only for what you use, without ongoing fees or annual renewals.

If that sounds like your business, we’ll help you compare lenders and secure a facility that works for you.

Compare providers Speak to an expert


Novuna can support businesses with a range of funding challenges

I want a fixed term loan for larger costs

I want funding that grows with my sales

I want short-term working capital support


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 a great deal.

Choose the right solution

We’ll help you decide whether a one-off facility or a longer term option suits your goals best.

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 cash flow fluctuations limit your potential

Maintain stability during quiet trading periods.

Take advantage of new opportunities with quick funding.

Reduce financial stress with flexible access to capital.


Why choose Novuna Business Cash Flow?

  • 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.'

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


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We compare a range of spot factoring providers to get you a great deal.

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

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