Trade credit

  • Cash flow challenge: I need more time to pay suppliers without hurting cash flow.

  • Perfect for: Wholesalers, manufacturers, importers and B2B businesses with regular supplier relationships looking to unlock supplier credit or finance longer payment terms.

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

Compare providers Speak to an expert

What 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

  1. Tell us what you need to fund - fill in a quick form or speak to our team

  2. We compare trade finance providers that fit your needs

  3. You apply - with full support from a real expert

  4. 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.

Compare providers Speak to an expert


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 the best 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

  • 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 trade credit in your sector looks like in your industry

Get advice tailored to the seasonal or trade pressures in your industry

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FAQs


We compare a range of trade credit 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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