Business overdrafts

  • Cash flow challenge: I need an overdraft-style facility I can access anytime.

  • Perfect for: Businesses with fluctuating income such as recruitment, construction, and event firms that need flexible access to cash without taking out a loan. 

Novuna helps you compare trusted providers, understand the terms, and apply with confidence.

Compare providers Speak to an expert

What is a business overdraft facility?

An alternative to a traditional bank overdraft, business overdraft-style funding gives you access to pre-approved capital you can draw on when needed.


It’s designed to help you manage cash flow fluctuations, cover short-term expenses, or act as a financial buffer.


You only pay interest on what you use giving you more control and flexibility.

How it works with Novuna Business Cash Flow

  1. Tell us your funding challenge - complete a short form or call
  2. We compare lenders across the full debt finance market
  3. You apply - with full support from a cash flow expert
  4. Access funding fast - often within 24-72 hours

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



Is a business overdraft right for you?

You want flexible access to funds without committing to a loan

An overdraft lets you dip into extra funds only when needed, with no fixed borrowing schedule.

You need to manage short-term cash flow gaps

Ideal for bridging timing issues between expenses and incoming payments.

You want a safety net to cover unexpected costs

Provides quick, accessible funding for emergencies or unforeseen expenses.

If that sounds like your situation, we’ll help you compare providers and secure the right facility.

Compare providers Speak to an expert


Novuna can support businesses with a range of quick funding challenges

I need a loan fast to cover urgent business costs

I’m waiting on invoices and need cash now

I want flexible funding to repay as I trade

I want fast working capital without long-term commitments


How we help

We search the market for merchant cash advance providers that suit your sector and card volumes.

Tell us what you need

Start with a simple form or call - tell us your business challenge.

We compare your options

We review multiple overdraft-style providers to get you the right facility.

Choose the right type of funding

From traditional overdrafts to revolving credit lines, we explain your best options.

Apply with expert support

Avoid delays or missed opportunities with guidance throughout your application.

Understand the terms upfront

Know how much you can access, how interest works, and when repayments are due.

Receive funding fast

Decisions and funding are often possible in just 24-72 hours.


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 flexible funding

  • 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 quick funding looks like in your sector

Get tailored advice to the challenges in your industry

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FAQs


We compare a range of overdraft-style providers to get you the right product and the best 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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