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Compare DSCR loans
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Cash flow challenge: I want to borrow based on income - not assets alone.
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Perfect for: Property investors, commercial landlords, or established businesses with recurring income streams.
DSCR loans allow you to access finance based on how reliably your business (or investment) generates income - rather than relying solely on assets or security.
Novuna helps you understand how DSCR lending works, compare providers, and secure the right deal for your situation.
Our business loan options
Pages in this SectionWhat is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan in the UK evaluates a business's ability to cover debt repayments through its operating income. It's a critical tool used by lenders to assess the financial health of a company.
Lenders assess whether your projected cash flow will comfortably cover loan repayments typically aiming for a DSCR of 1.25 or higher.
It’s a popular structure for commercial property loans, established business loans, or refinancing facilities.
How it works with Novuna Business Cash Flow
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Tell us how much funding you need
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We compare unsecured business loan providers
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You apply with our expert support
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Access funding - often within a few days
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a DSCR loan right for you?
You own or manage income-generating property or commercial assets
DSCR loans are tailored for businesses with steady rental or operational income.
You want to borrow based on cash flow, not just asset value
Lenders assess your ability to repay based on the property’s income, making it ideal for cash-flow-focused borrowers.
You want stable, long-term finance backed by reliable income
These loans offer predictable repayments aligned with ongoing revenue from your assets.
If that sounds like your situation, we’ll help you compare DSCR lenders and secure the right deal.
Novuna can support businesses with a range of funding challenges
I’m investing in property or refinancing
I want to fund long-term business growth
I need working capital for short-term needs
I want lower repayments by offering security
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
Get funding that grows with your income
DSCR loans are ideal for growing businesses and property investors
Acting early can help you lock in better rates and terms
We help you avoid mismatched loan products by comparing DSCR-first solutions
Why choose Novuna Business Cash Flow?
Why businesses trust us for DSCR loans
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 DSCR lending looks like in your sector
Sector specific funding advice
