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Invoice factoring
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Cash flow challenge: I need to unlock cash from unpaid customer invoices
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Perfect for: SMEs who invoice clients on payment terms and want to improve cash flow by outsourcing collections
Novuna helps you compare trusted invoice factoring providers, understand the terms, and apply with confidence.
We compare providers, help you apply, and make sure you get the right deal for your needs.
Related debt financing options
Pages in this SectionWhat is invoice factoring?
Invoice factoring allows you to sell your unpaid invoices to a factoring company in exchange for an immediate cash advance - typically up to 90% of the invoice value.
The factoring provider then takes over credit control and collects the payment directly from your customers.
This helps you unlock working capital quickly without waiting 30, 60 or 90 days for payment ideal for businesses that need to stay liquid.
How it works with Novuna Business Cash Flow
- Tell us your funding challenge - complete a short form or call
- We compare trusted invoice factoring providers
- 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 invoice factoring right for you?
You want to improve cash flow without waiting for invoices to clear
This is the primary reason businesses use invoice factoring - unlocking working capital tied up in unpaid invoices.
You’d prefer a provider to manage credit control
Invoice factoring includes outsourced credit control, making this a major benefit and time-saver for many SMEs.
You’re spending too much time chasing payments
Factoring solves this pain point by shifting credit control to the provider, freeing up internal resource.
If this sounds like your situation, invoice factoring could be the right fit.
Novuna can support businesses with a range of funding challenges
What is your funding challenge?
I want funding that keeps my customer relationships private
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 the best deal.
Choose the right type of invoice factoring
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 unpaid invoices hold your business back
Protect cash flow during slower periods
Meet payroll and supplier obligations
Take on new projects with confidence
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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