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Business cash flow loans
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Cash flow challenge: I need quick access to finance to cover day-to-day costs or bridge short-term gaps.
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Perfect for: Businesses who want flexible loans to stabilise cash flow without giving up equity.
Novuna helps businesses access cash flow loans to cover costs while you wait for a planned cash injection.
Novuna helps you compare providers to find you a great deal.
Our business loan options
Pages in this SectionWhat are business cash flow loans?
Business cash flow loans are short-term funding solutions designed to cover everyday expenses when cash is tied up elsewhere. They provide a lump sum or flexible line of credit, helping businesses smooth out fluctuations and stay on track.
With cash flow loans you can:
- Cover payroll, rent, and supplier payments on time.
- Invest in growth without waiting for invoices to clear.
- Access fast, flexible finance without selling invoices.
How it works with Novuna Business Cash Flow
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Tell us your situation and timeline
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We compare providers and recommend a great fit for your situation
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You apply with full support throughout
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Access funds fast to keep your plans on track
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a business cash flow loan right for you?
You need to bridge gaps in working capital
Loans provide quick access to funds so you can meet short-term obligations without stress.
You don’t want to sell invoices or equity
Cash flow loans offer flexible borrowing without giving away control of your business.
You want predictable repayments
Fixed loan terms give you certainty over costs and repayment schedules.
If that sounds like your business, we’ll help you compare cash flow loan providers
Novuna can support businesses with a range of cash flow challenges
I want flexible finance to support short term costs
I’m investing in growth or recruitment
I want a loan backed by government support
I need short term funding to bridge a gap while I wait for income
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
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
Get access to finance quickly so you can focus on your business.
Why take action now
Bridge the gap before it slows you down
Cash flow loans are designed for speed and flexibility
Acting quickly can give you better terms and more choice
We help you avoid delays or forced decisions due to cash flow
Why choose Novuna Business Cash Flow?
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
How quickly can Novuna arrange funding?
In many cases, you can get a decision within 24 hours and access funds shortly after approval - depending on the type of finance and your application details. We work with a range of providers to fast-track funding wherever possible.
How do business cash flow loans work?
Cash flow loans are assessed based on your business’s income and outgoing payments, not physical assets. Once approved, you receive a lump sum or revolving credit facility that can be repaid over a few months to a year, depending on your lender’s terms.
Who can apply for a business cash flow loan?
UK businesses of all sizes can apply, but lenders typically look for at least six months of trading history and consistent revenue. Startups and SMEs may also qualify if they can demonstrate reliable turnover or strong future invoices.
What are the benefits of a business cash flow loan?
- Fast access to funding, often within 24 hours of approval.
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No collateral required.
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Flexible repayment terms.
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Helps bridge seasonal cash flow gaps or fund growth opportunities.
