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Start up business loans in the UK
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Cash flow challenge: I’m launching a new business and need flexible funding to get started.
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Perfect for: Entrepreneurs, early-stage founders, and small businesses looking to fund setup, stock, marketing, or initial operating costs.
Novuna helps start ups access finance designed to fuel growth whether you’re launching your first venture or expanding into new markets.
We compare providers, help you apply, and make sure you get the right deal for your needs.
Our business loan options
Pages in this SectionWhat is a start up business loan?
A start up business loan provides access to capital before your company generates steady income. It can be used to fund early expenses such as stock, equipment, marketing, or recruitment helping you build a foundation for sustainable growth.
Novuna offers both secured and unsecured loans, alongside alternative options such as asset finance and invoice finance, so you can choose a structure that matches your goals and cash flow.
Benefits of start up business loans
- Improves cash flow: Secure capital before revenue stabilises.
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Supports early growth: Invest in stock, marketing, or equipment with confidence.
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Builds business credit: Establish a positive borrowing history from the start.
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Flexible structures: Choose between secured, unsecured, or government-backed options.
- Connects to future funding: As you grow, transition easily to working capital loans or business expansion loans.
How it works with Novuna Business Cash Flow
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Tell us about your business, whether it’s launching or scaling
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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 start up loan right for you?
You’re ready to launch but need initial funding
Start up loans help new businesses cover essential launch costs.
You want flexible finance to build early momentum
Ideal for founders who need working capital without giving up equity or long-term control.
You’re preparing for growth and need a financial foundation
Start up loans provide the stability to move from concept to trading.
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 short-term costs
I want to launch or grow my new business
I want to secure funding backed by government support
I want short-term finance secured against 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
Launch your business with confidence and momentum
Start up loans give you the head start you need
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
Get funding insights tailored to your industry
Can I get a start up loan without trading history?
Yes, many lenders assess your business plan and forecasts rather than trading data. We’ll match you with providers who support new businesses.
What can I use a start up business loan for?
Typical uses include buying equipment, stock, marketing, or covering early payroll costs.
Do you work with government-backed schemes?
Yes, we can help you access the Growth Guarantee Scheme to support start ups with partial government backing.
Can I combine a start up loan with other finance?
Absolutely. Many businesses combine loans with asset finance or invoice finance as they scale.
