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Credit factoring
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Cash flow challenge: I need to turn unpaid invoices into immediate cash while reducing the risk of late or non-payment.
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Perfect for: UK businesses with B2B customers that want fast access to working capital and the added protection of outsourced credit checks and collections.
Novuna helps you compare trusted credit factoring providers, apply with expert support, and strengthen your cash flow while reducing credit risk.
We compare providers and recommend a great fit for your situation.
Related funding options
Pages in this SectionWhat is credit factoring?
Credit factoring is a form of invoice finance where a business sells its unpaid invoices to a factoring company in exchange for an immediate cash advance.
Credit factoring often includes credit protection, where the factor takes on the risk of customer non-payment. This makes it a valuable tool for businesses concerned about both late payments and bad debt.
How it works with Novuna Business Cash Flow
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Tell us about your project and funding requirements
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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 project finance expert
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Access funding quickly, with terms that match your business cycle
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is credit factoring right for you?
You trade with other businesses (B2B) and have invoices tied up in credit terms
Credit factoring is ideal if your cash flow is restricted by long payment cycles.
You want immediate access to working capital to cover overheads or growth
Unlock funds from unpaid invoices to keep operations moving and support expansion.
You’d benefit from outsourcing credit control and customer collections
Factoring providers manage debtor payments, saving time and reducing administrative pressure.
If that sounds like your business, we’ll help you compare providers and secure the right deal.
Novuna can support a range of project and business finance needs
I want to release cash from unpaid invoices
I want to recover aged or bad debts
I want funding that grows with revenue
I need help chasing overdue 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 a great deal.
Choose the right type of funding
We will provide the correct type of project finance options for your funding type.
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 put your business at risk
Turn invoices into cash within days
Early access to finance helps you hit deadlines and protect profitability
The sooner you act, the more options you’ll have to structure the right deal
Why choose Novuna Business Cash Flow?
Why developers and businesses trust us for project 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
What credit factoring looks like in your sector
