Accountants’ guide to growth funding for clients

• Cash flow challenge: My clients want to grow but don’t have the working capital to invest in new staff, equipment, or marketing without risking their day-to-day cash flow.

• Perfect for: Accountants and advisors who want to support client growth plans with tailored funding solutions.

Novuna helps accountants connect their clients with funding that matches their growth ambitions, either through our award-winning in-house service or by comparing the market to find the best fit.

We work with providers who understand growth cycles, help you apply, and make sure your clients get the right deal to scale confidently.

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Understanding the accountant’s role in growth funding

As a trusted advisor, you’re often the first person a client turns to when considering expansion. Whether it’s opening a new location, launching a product line, or increasing capacity, funding is typically the key enabler and the area where accountants can add huge value.

By understanding the full range of funding options, you can help clients avoid unsuitable products, reduce risk, and keep their cash flow healthy during the growth phase.

Common growth funding challenges

• Balancing investment with day-to-day costs: Growth projects often demand upfront spending on stock, staff, or equipment. Without the right funding, these costs can drain working capital.
• Choosing the right product for the goal: Each funding solution has different strengths from invoice finance for quick cash flow boosts to longer-term loans for capital projects. Matching the product to the growth plan is critical.
• Avoiding over-reliance on personal funds: Some clients lean heavily on personal savings or credit cards. This can put personal finances at risk and create unnecessary pressure.

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Funding solutions accountants can recommend

• Invoice finance: Releases cash tied up in unpaid invoices, providing quick access to working capital without taking on extra debt.
• Asset finance: Allows clients to acquire new equipment or vehicles without large upfront costs, paying over time while the asset generates revenue.
• Working capital loans: Flexible loans designed to cover operational expenses during growth phases, ensuring smooth day-to-day operations.
• Trade finance: Supports businesses that need to pay suppliers upfront for large orders before receiving payment from customers.

How Novuna Business Cash Flow can help

We work directly with accountants to match their clients with funding solutions that align with growth objectives and cash flow realities. Whether your clients are hiring staff, upgrading equipment, or expanding operations, our role is to secure the most suitable product and the best possible terms.