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Fast working capital loans
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Cash flow challenge: I want fast working capital without long-term commitments.
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Perfect for: Growing SMEs in sectors like manufacturing, retail, or professional services that need short-term funding for stock, payroll, or expansion.
Novuna helps you compare trusted providers, understand the terms, and apply with confidence.
Our quick funding options
Pages in this SectionWhat is a fast working capital loan?
A fast working capital loan is a short-term finance option that helps you cover immediate costs like payroll, supplier invoices, or unexpected expenses.
These loans are typically unsecured, with fixed terms ranging from a few weeks to 12 months, giving you the flexibility to act quickly and repay in a way that suits your cash cycle.
They’re ideal for businesses that need to stay agile without committing to long-term borrowing.
How it works with Novuna Business Cash Flow
- Tell us your funding challenge - complete a short form or call
- We compare lenders across the full debt finance market
- You apply - with full support from a cash flow expert
- 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 fast working capital loan right for you?
You need short-term finance without long-term commitment
Provides quick funding to meet immediate business needs without ongoing obligations.
You want to act quickly on a project or opportunity
Enables you to seize time-sensitive opportunities before they pass.
You need to cover a temporary cash flow gap
Ideal for bridging shortfalls caused by delays in payments or seasonal fluctuations.
If that sounds like your situation, we’ll help you compare lenders and get funded fast.
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 need an overdraft-style facility I can access anytime
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 search the market for working capital loan providers that suit your business needs and timeframe.
Choose the right type of funding
We help you weigh up options like term loans, revolving credit, and unsecured facilities.
Apply with expert support
From documents to lender questions - we guide you through the process.
Understand the terms upfront
Clear repayment plans, fixed costs, and no surprises.
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 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 quick funding looks like in your sector
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