Debt factoring

  • Cash flow challenge: I want to get paid faster and reduce debtor management pressure.

  • Perfect for: UK businesses with B2B clients looking to unlock cash tied up in unpaid invoices - while outsourcing payment collection.

Novuna helps you compare trusted debt factoring providers, apply with expert support, and improve cash flow without taking on extra debt.

Compare providers Speak to an expert

What is debt factoring?

Debt factoring is a form of invoice finance that helps businesses improve cash flow by selling their unpaid invoices to a third-party finance provider, known as a factor.

The factor pays a percentage of the invoice value upfront (typically 80-90%), collects payment directly from your customer, and then pays you the balance (minus fees) once the invoice is settled.

Unlike invoice discounting, debt factoring typically includes credit control support - helping you chase and manage payments professionally, while freeing up your time and internal resource.

How it works with Novuna Business Cash Flow

  1. Tell us your funding challenge - complete a short form or call

  2. We compare providers and recommend the best-fit solution

  3. You apply - with full support from a cash flow expert

  4. Get funded - often within 24-72 hours

Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.



Is debt factoring right for you?

You invoice other businesses (B2B) and have cash tied up in unpaid invoices

This is the primary reason businesses use invoice factoring by unlocking working capital tied up in unpaid invoices.

You want to unlock working capital to grow, invest, or cover day-to-day costs

Since you manage collections, solid internal processes are essential to make invoice discounting work effectively.

You prefer not to take on additional debt or dilute ownership

Invoice discounting is typically confidential, meaning customers aren't aware you're using external financing.

If that sounds like your business, we’ll help you compare lenders and get funded fast.

Compare providers Speak to an expert


Novuna can support businesses with a range of late payment challenges

What is your funding challenge?

I want to release cash from unpaid invoices

I want to stay in control of collections

I need help chasing overdue payments

I want to recover bad debts or aged receivables


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 fast

Get access to finance quickly so you can focus on your business.


Why take action now

Don’t let late payments stall your growth

Fast access to finance can protect jobs, projects, and growth

The sooner you act, the better your options

We help you avoid high-cost lending by comparing the right products upfront


Why choose Novuna Business Cash Flow?

Why businesses trust us for invoice factoring

  • Over 40 years of experience in business finance

  • Access to multiple funding partners - not just our own products

  • Personal support from real cash flow experts

  • Transparent advice based on what’s best for your business


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 reviews

We're a multi-award winning business cash flow specialist


What funding looks like in your sector

Get advice tailored to the challenges in your industry

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We compare invoice discounting providers to help you get the right product and the best deal

Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.

Complete the form below to compare and save with Novuna Business Cash Flow:

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