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How we support the retail industry
Our retail resource hub helps store owners and online retailers manage cash flow through seasonal demand, stock costs, and shifting customer spending. Discover flexible finance options to keep shelves stocked and operations running smoothly.
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Cash flow challenge: I need to manage stock, rent, and supplier payments while waiting for seasonal sales or customer payments
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Perfect for: Retailers who experience fluctuations and need funding to maintain cash flow across quieter trading periods or stock-heavy seasons
Novuna helps retail businesses access the cash they need to stay resilient including funding inventory, covering supplier costs, or supporting business growth.
We compare providers, help you apply, and ensure you get the right deal for your business.
Useful resources for our retail industry
Invoice factoring
Invoice factoring helps you unlock cash tied up in unpaid invoices. It’s an effective way to improve cash flow and reduce pressure from late-paying customers.
Contract finance
Contract finance provides funding against the value of ongoing recruitment contracts. It bridges the gap between paying staff and receiving client payments, keeping payroll consistent.
Invoice discounting
Invoice discounting gives you access to working capital while keeping control of collections. It’s a confidential option for agencies that want to maintain direct client relationships.
Business Cash Flow Loans
A business cash flow loan provides quick access to capital for day-to-day expenses. It’s a flexible solution for covering gaps or investing in short-term growth.
We can help you with recruitment cash flow pressures
Seasonal sales fluctuations
Retail businesses often see revenue peaks around holidays and quieter months in between. Managing staff, rent, and supplier payments during off-peak periods can be challenging. Short-term finance can smooth cash flow year round and prepare you for busy trading seasons.
High stock and inventory costs
Buying inventory upfront ties up significant capital — especially when dealing with large seasonal orders. Flexible funding options such as trade or stock finance help you purchase goods without straining day-to-day cash flow.
Rising operating expenses
From rent and utilities to staffing and marketing, operating costs can quickly eat into cash reserves. Accessing working capital loans or business loans helps retailers stay on top of bills and maintain a consistent customer experience.
Delayed supplier or customer payments
Retailers working with wholesalers or offering buy-now-pay-later options often face payment delays. Cash flow finance bridges the gap between outgoing and incoming funds, helping you stay liquid while payments are pending.
Explore our latest retail industry blogs
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FAQ's
How can finance help retailers manage seasonal sales cycles?
Short-term funding can smooth cash flow between busy and quiet trading periods, ensuring stability all year.
Can I use finance to buy stock ahead of peak seasons?
Yes, stock and trade finance provide funds to purchase inventory without straining working capital.
What type of funding works best for retail businesses?
Many retailers use business loans, invoice finance, or cash flow funding to cover rent, payroll, and supplier payments.
