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Working capital loans
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Cash flow challenge: I need flexible finance to stabilise or scale my business.
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Perfect for: Businesses managing seasonal dips, preparing for peak demand, or funding new growth opportunities.
Scaling up requires smart finance and finding the right provider can make all the difference.
Novuna helps you compare trusted working capital loan providers, understand the terms, and apply with confidence.
Our growth funding options
Pages in this SectionWhat is a working capital loan?
A working capital loan gives your business fast access to short-term funding for day-to-day costs or growth plans.
It’s ideal for covering payroll, stock purchases, supplier payments, or gearing up for seasonal peaks.
Unlike long-term loans, working capital loans are designed to be repaid within a few months giving you flexibility without overcommitting.
How it works with Novuna Business Cash Flow
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Tell us your funding challenge - complete a short form or call
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We compare providers and recommend the best-fit solution
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You apply - with full support from a cash flow expert
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Access funding fast - often within 24-72 hours
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a working capital loan right for you?
You need short-term finance without long-term commitment
Working capital loans offer fast, flexible funding for immediate business needs.
You need to cover a temporary cash flow gap
Ideal for bridging shortfalls caused by slow-paying customers or seasonal dips.
You want clarity on repayments and a fixed term
Predictable repayments over an agreed timeframe make budgeting easier.
If that sounds like your situation, we’ll help you compare lenders and get funded fast.
Novuna can support businesses with a range of funding challenges
For businesses planning growth:
I’m hiring staff or expanding into new premises
I need to invest in vehicles, equipment or assets
I want a growth loan backed by government support
For seasonal or stock-heavy businesses:
I need funding to bridge cash flow between seasons
I want finance that flexes with revenue
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
Don’t let a cash flow pinch delay your next move
Fast access to finance can protect cash flow, fuel growth, and reduce stress
The sooner you act, the better your options
We help you avoid high cost lending by comparing providers up front
Why choose Novuna Business Cash Flow?
Why businesses trust us for working capital 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
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