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Asset based lending
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Cash flow challenge: I need to unlock working capital using my business assets.
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Perfect for: Businesses looking to release value from assets such as equipment, vehicles, stock, or invoices to fund expansion, manage cash flow, or invest in growth.
Novuna helps UK businesses access asset based lending solutions designed to release the cash tied up in their assets – from equipment and vehicles to receivables and stock.
We compare providers, help you apply, and make sure you get the right deal for your needs.
Our growth funding and other asset finance options
Pages in this SectionWhat is asset based lending?
Asset based lending (ABL) allows a business to borrow against the value of its existing assets such as invoices, inventory, machinery, or property. It’s a flexible, secured form of finance that helps companies release capital tied up in the business to support working capital, growth, acquisitions, or restructuring.
By using tangible assets as collateral, you can access larger facilities than typical unsecured loans, often at lower rates.
Benefits of asset based lending for your business?
Different businesses need different structures depending on ownership, timescale and usage.
We can help you compare the right type of funding for your situation:
- Improves working capital: Turn static assets into liquid cash and improve daily cash flow flexibility.
- Grows with your business: Asset based lending connects naturally with solutions like invoice finance and equipment finance, allowing your funding facility to scale as your assets increase and your working capital needs evolve.
- Lower risk than unsecured borrowing: Because it’s secured against your own business assets, the structure often means lower interest rates and more favourable lending terms.
- Protects equity: Access growth funding without giving up ownership or external investment.
- Supports multiple objectives: Expansion, acquisitions, management buyouts, or turnaround funding, ABL adapts to a wide range of commercial situations.
Not sure which is right? We’ll guide you and help you find the right deal for your situation.
How it works with Novuna Business Cash flow
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Tell us what assets your business holds – receivables, stock, or equipment
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We compare providers and recommend a great fit for your situation
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You apply - with full support from a cash flow expert
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Access the funds and repay flexibly as your revenue grows
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is asset based lending right for you?
You’re expanding and need working capital for new projects
Asset based lending can unlock the value in your assets to fund growth opportunities.
You need to bridge short-term cash flow gaps
Access quick funding to keep operations running smoothly.
You’re preparing for a management buyout or acquisition
Secure flexible finance to support business transitions or expansion.
If that sounds like your business, we’ll help you compare providers and get funded fast.
Novuna can support businesses with a range of asset based funding challenges
I need to fund growth or a new project without taking on new debt
I want to refinance equipment or vehicles to free up cash
I’m looking for a flexible alternative to traditional loans
I want to refinance equipment to free up cash
I want a lease with flexibility to buy later
I only need the asset short-term
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 type of funding
From leases to hire purchase, we help you pick what fits your plans.
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 funding gap limit your growth plans
Improve liquidity and cash flow flexibility
Reduce reliance on unsecured loans
The sooner you act, the more working capital you can release
Why choose Novuna Business Cash Flow?
Why businesses trust us to support their growth
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 growth funding looks like in your sector
Get advice tailored to the challenges in your industry
What assets can be used for asset based lending?
Businesses can typically secure funding against assets such as accounts receivable, inventory, machinery, vehicles, or property. The lender assesses asset quality and loan-to-value to determine facility size.
How is asset based lending different from invoice finance?
Invoice finance focuses only on receivables, while asset based lending can also include stock, equipment, and property giving access to larger, more flexible funding lines.
Is asset based lending suitable for small businesses?
Yes. ABL is suitable for growing SMEs with valuable assets but limited cash flow. It’s increasingly used as an alternative to unsecured business loans.
How quickly can I access funds?
After assessment, facilities can be approved in as little 24 hours. Speak to our experts today and we will guide you through the process.
