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Short term business loans
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Cash flow challenge: I need short term funding to manage urgent costs or seize a growth opportunity.
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Perfect for: SMEs and business owners needing access to funds within days to cover supplier payments, tax bills, or unexpected expenses.
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Call us on 01952 956920 to speak to a real cash flow expert. We’ll help you apply for the right type of finance and make sure you get a great deal for your business.
Or click 'Boost your cash flow' below to compare providers.
Our business loan options
Pages in this SectionWhat are short term business loans and how do they work?
Short term business loans provide a fast, flexible funding option for SMEs and businesses that need capital for a limited period typically between 3 and 12 months. These loans help businesses manage cash flow, cover urgent costs, or invest in opportunities without the long-term commitment of traditional finance.
These loans are structured for speed and flexibility. Once approved, funds can often be in your account within 24 to 48 hours. Speak to our experts today and we will guide you through the process.
When a short term business loan can help
- Cover temporary cash flow gaps while waiting for client payments
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Pay urgent supplier invoices or tax liabilities
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Fund a marketing campaign or time-sensitive project
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Manage seasonal fluctuations or quiet trading periods
- Take advantage of a bulk purchase discount from supplies
These loans work well alongside other finance options like working capital loans or business expansion loans, depending on your growth stage.
Benefits of short term business loans
- Speed: Approval and funding often within 1–2 days
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Flexibility: Borrow for a few months, not years
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Cash flow control: Fixed repayments for easier budgeting
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Opportunity access: Act quickly when new opportunities arise
- No long-term commitment: Ideal for bridging gaps or funding one-off costs
How it works with Novuna Business Cash Flow
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Tell us your situation and timeline
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We compare short-term business lenders based on your needs
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You apply with full support throughout
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Access funds fast to keep your plans on track
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a short term business loan right for you?
You need funding fast to cover short-term costs
Short term business loans provide quick access to capital to manage urgent expenses, supplier payments, or short-term cash flow gaps.
You’re waiting on incoming revenue or invoices
Ideal when your business has money due soon but needs funds immediately to keep operations running smoothly.
You want flexibility without long-term commitment
Get the finance you need for weeks or months, not years perfect for managing seasonal peaks, projects, or one-off opportunities.
If that sounds like your business, we’ll help you compare lenders and apply with confidence.
Novuna can support businesses with a range of funding challenges
I need funding without collateral
I need to leverage my assets for funding
I want a loan backed by government support
I want to bridge a gap in my business finances
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
Access a range of short-term funding options including loans, advances, and invoice finance.
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 that grows with your sales
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
Why take action now
Bridge the gap before it slows you down
Fast access to finance can protect jobs, projects, and growth
Acting quickly can give you better terms and more choice
We help you avoid delays or forced decisions due to cash flow
Why choose Novuna Business Cash Flow?
Why businesses trust us with bridging loans
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 business loans looks like in your sector
Get funding insights tailored to your industry
How long are short term business loans typically?
Most short term business loans last between 3 and 12 months. The shorter repayment term means you’ll pay off your balance quickly, helping maintain financial flexibility.
How quickly can I get funding?
With help from our providers, you can often get a decision within 24 hours and receive funds within 1–2 working days once approved.
What can I use a short term business loan for?
Short term loans can be used to manage cash flow, pay suppliers, fund marketing campaigns, or handle unexpected bills. They’re ideal for businesses that need quick access to finance without long-term commitments.
