Credit factoring

  • Cash flow challenge: I need to turn unpaid invoices into immediate cash while reducing the risk of late or non-payment.

  • 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.

Compare providers Speak to an expert

What 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

  1. Tell us about your project and funding requirements

  2. We compare providers and recommend a great fit for your situation

  3. You apply with full support from a project finance expert

  4. 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.

Compare providers Speak to an expert


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

  • Over 40 years of experience in business finance

  • Access to multiple funding partners - not just our own products

  • Personal support from real cash flow experts

  • Transparent advice based on what’s best for your business


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 reviews

We're a multi-award winning business cash flow specialist


What credit factoring looks like in your sector

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FAQs


We compare a range of credit factoring providers to get you a great deal.

Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.

Complete the form below to compare and save with Novuna Business Cash Flow:

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