Quick access to funding for retail stock purchases

• Cash flow challenge: I want to seize bulk-buy discounts and seasonal opportunities, but I need fast access to funds to make the purchase.

• Perfect for: Retailers that need to quickly replenish or expand stock without disrupting cash flow.

Novuna helps retailers secure quick funding to purchase stock ahead of peak sales periods, either through our award winning in-house service or by comparing the market to find the best fit for your business.

We connect you with providers who specialise in retail finance, help you apply, and make sure you get the right deal.

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Why retail businesses need fast funding

Retailers often face tight turnaround times between spotting an opportunity and getting products on shelves. This can be due to:

• Supplier payment terms that require upfront payment
• Seasonal or event-driven demand spikes
• Launching new product ranges ahead of competitors
• Supply chain disruptions requiring urgent stock replacement

Without quick access to cash, you may be forced to reduce orders or delay restocking, both of which can impact revenue and customer satisfaction.

Funding options for retail stock purchases

Retailers in the UK have several financing options for purchasing stock quickly:

• Invoice finance: Access cash tied up in unpaid invoices to fund stock purchases
• Business loans: Lump-sum funding for bulk orders or large stock investments.
• Merchant cash advance: Funding based on your future card sales, repaid as a percentage of daily transactions.
• Trade finance: Specialist funding to pay suppliers, often for import/export goods.

Benefits of quick access to funding for stock

• Take advantage of supplier discounts for bulk or early payments
• Secure popular products before they sell out in the market
• Maintain healthy stock levels to meet customer demand
• Reduce the risk of losing sales to competitors

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What to consider before choosing a funding option

• Speed of approval - Some lenders can release funds within 24 hours, while others take longer
• Repayment flexibility - Ensure the repayment terms fit your sales cycle.
• Cost of borrowing - Compare fees and interest rates to keep costs manageable.
• Impact on supplier relationships - Funding that enables quicker payment can improve supplier trust and future negotiations.

Why choose Novuna for invoice discounting?

• Flexible finance solutions tailored to retail businesses
• Fast application and approval process
• Support from industry experts who understand stock cycle pressures