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Revenue based finance
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Cash flow challenge: I want funding that flexes with the ups and downs of my revenue.
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Perfect for: High-growth or seasonal businesses like ecommerce brands, subscription services, and agencies with variable monthly income.
Novuna helps you access revenue-based finance that adapts to your performance. We compare providers, support your application, and help you secure the right terms.
Our seasonal funding options
Pages in this SectionWhat is revenue based finance?
Revenue based finance gives you upfront capital in exchange for a percentage of future revenue. Repayments flex with your business income, making it ideal for businesses with fluctuating or seasonal sales.
There’s no fixed repayment schedule - just a clear percentage that’s deducted as you trade.
How it works with Novuna Business Cash flow
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Tell us about your revenue profile and funding needs
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We compare providers and recommend a great fit for your situation
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You apply - with full support from a cash flow expert
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Access the funds and repay flexibly as your revenue grows
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is revenue based finance right for you?
You want funding that grows with your business
Prepayments are tied to your revenue, so the amount you repay adjusts with your business performance.
You don’t want rigid repayment terms
There’s no fixed monthly amount, giving you flexibility to repay more when you earn more and less when you don’t.
You want to protect your cash flow during slower months
Payments automatically reduce when income dips, helping you manage cash flow in quieter periods.
If that sounds like your business, we’ll help you compare providers and get funded fast.
Novuna can support businesses with a range of seasonal funding challenges
I want to spread supplier costs and ease cash flow pressures
I need extended terms or supplier credit for seasonal purchases
My revenue fluctuates
I need short-term capital to prepare for peak periods
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 a cash flow pinch stop your business
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 fast funding
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
What funding looks like in your sector
Get advice tailored to the challenges in your industry
What is revenue based finance?
Revenue based finance (RBF) provides funding to businesses in exchange for a percentage of future revenue. Instead of fixed monthly repayments, you repay more when sales increase and less when sales slow down — making it a flexible alternative to traditional loans.
How does revenue based finance work in the UK?
You receive an upfront cash advance based on your company’s recurring or projected revenue. The lender is repaid automatically through a share of your daily or monthly sales, until the agreed amount plus a flat fee is paid back.
What are the advantages of revenue based finance?
- Flexible repayments tied to turnover
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Fast approval based on performance data, not collateral
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No equity dilution – you keep full ownership
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Transparent costs with no compounding interest
Who can qualify for revenue based finance?
RBF suits UK businesses with steady, predictable income such as eCommerce, SaaS, and subscription-based companies. Lenders typically require at least six months of trading data and a consistent revenue track record.
How is revenue based finance different from a business loan?
Unlike a bank loan with fixed instalments and interest, revenue based finance repayments rise and fall with your income. There’s no fixed term, and funding decisions are made using your real-time business performance rather than credit score alone.
