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Small business cash flow loans
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Cash flow challenge: My business is profitable but cash flow is tight — I need flexible finance to stay on top of costs and growth.
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Perfect for: Established SMEs and small business owners who need short-term funding to manage working capital, cover supplier invoices, payroll, or seasonal fluctuations.
Novuna helps small businesses unlock fast, flexible cash flow loans to keep operations running smoothly.
Whether you’re bridging a short-term gap or planning for future growth, we compare providers, help you apply, and make sure you get the right deal for your needs.
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Pages in this SectionWhat is a small business cash flow loan?
A small business cash flow loan is designed to help you manage short-term funding needs without disrupting day-to-day operations. It provides fast access to working capital so you can pay suppliers, meet payroll, purchase stock, or respond to new opportunities with confidence.
Unlike long-term loans, cash flow loans are flexible, quick to arrange, and tailored to your business’s trading cycle. Novuna offers both secured and unsecured cash flow facilities, alongside invoice finance and asset finance options for growing SMEs.
What are the benefits of a small business cash flow loan?
A flexible cash flow loan can make the difference between maintaining momentum and facing disruption. The main benefits for a small business loan are:
- Smooths seasonal cash flow: Keep your operations stable during slower months or while waiting on invoices.
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Improves liquidity: Access working capital when you need it most, without lengthy approval times.
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Supports growth: Use funds to cover marketing, recruitment, or expansion projects without disrupting cash reserves.
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Flexible repayment options: Choose repayment terms that align with your revenue cycle.
- Connects to long-term funding: Easily transition to working capital loans or business expansion loans as your business grows.
How it works with Novuna Business Cash Flow
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Tell us about your funding challenge
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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 small business cash flow loan right for you?
You need funding to bridge short-term gaps
Cash flow loans are ideal for businesses that have strong sales but delayed customer payments or seasonal demand cycles.
You want flexible finance without long-term commitment
Choose a loan that gives you access to capital quickly.
You’re looking to protect cash reserves while investing in growth
Use a short-term facility to fund new projects, hire staff, or purchase stock, keeping your business moving forward.
If that sounds like your business, we’ll help you compare start up lenders and apply with confidence.
Novuna can support businesses with a range of funding challenges
I need flexible finance to manage day-to-day costs
I want to strengthen cash flow during growth or expansion
I want to secure funding backed by government support
I need short-term finance secured against business assets or property
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
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
Why take action now
Keep your business moving without cash flow delays
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?
Why businesses trust us with bridging 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 business loans looks like in your sector
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What can a small business cash flow loan be used for?
Cash flow loans can cover supplier invoices, payroll, tax bills, or any short-term working capital need.
How quickly can I get a cash flow loan?
Approval can take as little as 24–72 hours, depending on your application. Speak to our experts today and we will guide you through the process.
Do I need to provide security for a cash flow loan?
Not always. Many lenders offer unsecured cash flow loans based on your trading history and business performance.
What’s the difference between a cash flow loan and a working capital loan?
Cash flow loans are typically shorter-term and designed for immediate liquidity, while working capital loans can support longer-term financial planning.
