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Retail finance options to offer your customers

It’s time to start offering your customers a better way to pay. With our cost-effective, straight-forward consumer finance, you can stay one step ahead of your competitors. 

Chat with the team today

Helping retailers win more customers that spend more money

Customers expect to see payment solutions that suit them, and they’re more likely to checkout with confidence once they find the right option. Close that sale, attract new customers and increase your average order value by improving the payment options you offer both in-store and online.

Hear from Phil and our New Business team to discover what finance options might be a good fit for you. 

Interest free credit solutions

Allow savvy shoppers to spread the cost of their purchase without incurring any interest. We offer 0% finance options for both regulated and unregulated retailers.

About interest free finance

Interest bearing credit

A potentially cost-neutral option for your business that allows customers to spread the cost of their purchase over fixed-rate monthly instalments.

About interest bearing credit

Buy now pay later finance

Your customers can purchase what they need and not pay anything towards it until later. Instant gratification for them, with no impact to your cash flow.

About buy now pay later

Memberships and fees

We work with a variety of sectors to offer no risk, no recourse finance. Give your members, season ticket holders or customers the chance to spread the cost.

About membership & fees finance

Team up with a leading finance provider you can trust

Ready to boost your business with finance? Our expert team will help you harness the power of our market-leading credit solutions, so you can boost sales and grow your business.

  • Attract customers, drive footfall and traffic, increase sales and boost your average order value 

  • We'll work with you to develop a bespoke finance package that works for your customers and your business

  • We're stable, reliable and here for the long term, with over 40 years of experience in the market

  • Our award-winning Customer Experience team answer customer queries so there's no pressure on your team

  • There's no risk to your business - we'll manage all credit checks and collect repayments

  • We’ll help you get set up – free of charge – so you can start offering retail finance in no time

  • Your Relationship Manager will provide expert consultancy to help you maximise the benefits of our finance products

  • We’ll advise how you can apply for FCA Authorisation which allows you to introduce your customers to us

  • We're fully transparent when it comes to pricing and accept rates

  • We have decades of experience working with retailers across a number of key sectors

Novuna National E-Commerce Manager, Elaine Keith, speaking to a customer on a headset Novuna National E-Commerce Manager, Elaine Keith, speaking to a customer on a headset

Thinking about switching retail finance providers?

Whether you’re unhappy with your current retail finance provider or you’re on the look-out for a different finance solution, there are some key things you need to consider when switching providers.

Here's what you need to know

Our retail finance partners include

Client Logos 3 April 2024

Join our network of over 3,000 UK retailers 

To work with us, you will need a minimum of:

  • £2m in annual sales turnover OR £50,000 in finance in the last year
  • 2 years trading history
  • Net worth of £25,000 (£100,000 for Home Improvements sector)

You will also need:

  • To be offering products or services for consumers, NOT for businesses
  • To be trading profitably

Please note, we do NOT currently work with the following industries: renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions.

If you meet this criteria, we'd love to hear from you. Please complete the form and one of the team will be in touch within three working days (usually the same day).

If you are an existing retailer with a general enquiry or a customer looking to speak to someone about your retail finance or personal loan agreement, click here for contact details and opening hours.