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Trade credit
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Cash flow challenge: I need more time to pay suppliers without hurting cash flow.
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Perfect for: Wholesalers, manufacturers, importers and B2B businesses with regular supplier relationships looking to unlock supplier credit or finance longer payment terms.
Novuna compares providers, helps you apply, and make sure you get the right deal for your needs.
Our supply chain finance options
Pages in this SectionWhat is trade credit?
Trade credit allows your business to buy goods or services from suppliers and pay for them later usually on 30, 60 or 90-day terms. It helps free up cash flow during busy or seasonal periods and reduces pressure on your working capital.
With the right finance partner, you may also be able to unlock additional supplier credit or extend your terms beyond what’s typically offered giving your business more breathing space.
How it works with Novuna Business Cash Flow
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Tell us what you need to fund - fill in a quick form or speak to our team
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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 real expert
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Get approved and start funding supplier orders, often within days
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is trade credit right for you?
You want to extend payment terms without straining supplier relationships
Trade credit lets you delay payments while maintaining trust with suppliers.
You need more time to turn stock into cash
Helps bridge the gap between purchasing inventory and receiving customer payments.
You want to free up working capital to invest in growth
Preserves cash for marketing, expansion, or other strategic investments.
If that sounds like your situation, we’ll help you compare lenders and secure the right solution.
Novuna can support businesses with a range of funding challenges
For supply chain and trade related funding:
I need upfront funding to pay suppliers
I want support paying for goods before customer orders are confirmed
I want to support my suppliers while extending payment terms
For seasonal or stock-heavy businesses:
I want finance that scales with revenue peaks
I need short-term capital to fund seasonal stock or staffing
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 fast
Get access to finance quickly so you can focus on your business.
Why take action now
Don’t let supplier deadlines limit your growth
Flexible trade credit can unlock growth and protect cash flow
The sooner you act, the more options you’ll have available
We help you avoid short-term borrowing by unlocking smarter solutions
Why choose Novuna Business Cash Flow?
Why businesses trust us for seasonal and trade related 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 trade credit in your sector looks like in your industry
Get advice tailored to the seasonal or trade pressures in your industry
