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Contract finance
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Cash flow challenge: I need funding secured against a long-term customer contract so I can cover delivery costs upfront.
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Perfect for: Businesses with reliable service or supply contracts that don’t align with immediate cash flow needs.
Contract finance provides an advance against the value of ongoing contracts, helping you fund payroll, suppliers, or materials before receiving payment. It’s a smart way to unlock cash tied to recurring revenue streams.
Novuna helps you compare providers to find you a great deal.
Related debt financing options
Pages in this SectionWhat is contract finance?
Contract finance is a funding solution that allows businesses to borrow against the value of secured customer contracts. Instead of waiting months for staged or deferred payments, you can access a percentage of the contract value upfront to manage working capital.
The facility is designed to release cash tied up in long-term agreements, particularly where you incur costs early but payments arrive later. Lenders advance funds based on the strength of your contract and your client’s creditworthiness, with repayments structured around contract milestones or receivables
How it works with Novuna Business Cash Flow
- Tell us your funding challenge - complete a short form or call
- We compare providers and recommend a great fit for your situation
- You apply - with full support from a cash flow expert
- Get access to funding quickly and keep cash flowing
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is contract finance right for you?
You deliver services upfront but payments are delayed
Funding ensures you can cover costs without waiting for staged contract income.
You want to unlock predictable recurring revenue
Secure contracts can be converted into upfront cash to support growth.
You need to pay staff and suppliers before receiving client funds
Financing helps bridge the gap between delivery and payment.
If that sounds like your business, we’ll help you find the right provider for your situation.
Novuna can support businesses with a range of finance solutions
What is your funding challenge?
I want staged finance to fund property projects
I only want to fund selected invoices
I want suppliers to be paid upfront so I can extend my payment terms
I want expert help managing late payments
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 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 fast
Get access to finance quickly so you can focus on your business.
Why take action now
Cover upfront costs without disrupting delivery.
Keep projects on track with predictable funding.
Use reliable agreements to secure affordable finance.
Why choose Novuna Business Cash Flow?
Why businesses trust us for invoice factoring
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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