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Invoice purchasing
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Cash flow challenge: I want to sell unpaid invoices to unlock cash quickly and reduce pressure on working capital.
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Perfect for: Businesses who need fast, straightforward funding without waiting for customers to pay.
Selling unpaid invoices can unlock immediate cash to cover overheads, payroll, or growth opportunities. By transferring invoices to a provider, you avoid the delays of long payment terms and smooth out cash flow.
Novuna helps you compare providers to find you a great deal.
Related debt financing options
Pages in this SectionWhat is invoice purchasing?
Invoice purchasing is a type of invoice finance where you sell your unpaid invoices to a third-party provider in exchange for an upfront payment. Instead of waiting 30, 60, or even 90 days for customers to pay, you gain immediate access to the majority of the invoice value, typically 80–90%.
Once the invoice is purchased, the provider usually takes responsibility for collecting payment directly from your customer. When the customer pays in full, you receive the remaining balance minus any fees.
How it works with Novuna Business Cash Flow
- Tell us about your business and invoice profile
- We compare providers and recommend a great fit for your situation
- Choose from our in-house solution or an alternative fit
- Onboard quickly and unlock cash against your invoices
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is invoice purchasing right for you?
You want fast access to cash without waiting for customer payments
Sell selected invoices to a finance provider and unlock working capital straight away.
You’d prefer to keep control of your customer relationships
Unlike factoring, invoice purchasing lets you manage collections while still benefiting from upfront funding.
You need flexible funding that scales with your sales
The more invoices you raise, the more finance you can access in line with your growth.
If that sounds like your business, we’ll help you unlock working capital tied up in unpaid invoices.
Novuna can support businesses with a range of late payment challenges
What is your funding challenge?
I want the lender to manage collections on my behalf
I only want to fund selected invoices
I want suppliers to be paid upfront so I can extend my payment terms
I want confidential finance without customer involvement
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 unpaid invoices hold your business back
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 finance
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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