Supply chain finance for retail businesses

• Cash flow challenge: Retail businesses operating with tight margins and extended supplier terms.

• Perfect for: Retailers, wholesalers, and eCommerce operators managing large supplier networks, inventory cycles, and fluctuating demand across the UK and overseas.

Novuna helps retail businesses strengthen their supply chain with flexible supply chain finance solutions, either through our award-winning in-house service or by comparing providers and making sure you have a great deal for your situation.

Boost your cash flow Speak to an expert

Keep your retail supply chain moving with reliable funding

Supply chain finance (SCF) is a flexible funding solution that supports both buyers and suppliers within the retail sector. It enables suppliers to receive early payment for goods while allowing retailers to extend their own payment terms, freeing up cash to manage inventory, marketing, or seasonal peaks.

By supporting liquidity at every level of your supply chain, SCF helps retailers maintain strong supplier relationships and secure reliable stock availability without increasing debt.

How supply chain finance supports retailers

Retail supply chains are complex, often spanning multiple suppliers, import partners, and logistics providers.

It’s particularly valuable for:

• Seasonal businesses managing cash flow between high and low trading periods.

• Retailers importing goods that require upfront supplier payments.

• Multi-site or eCommerce operations balancing inventory and logistics costs.

• Wholesalers and distributors working with large customer networks on long payment cycles.

Boost your cash flow Speak to an expert

Benefits of supply chain finance for retail businesses

• Stable cash flow: Maintain liquidity through predictable supplier payments and extended buyer terms.

• Supplier confidence: Strengthen relationships by paying suppliers faster and more consistently.

• Inventory security: Fund stock purchases without relying on short-term loans or overdrafts.

• Operational resilience: Avoid disruptions caused by supplier payment delays or material shortages.

• Scalable funding: Facilities expand with your transaction volume, supporting growth as your retail business scales.

How supply chain finance works

1. Your supplier delivers goods and sends an invoice for approval.
   
   
2. You approve the invoice for payment with your supply chain finance provider.
   
   
3. Supplier receives early payment (usually within 24-48 hours) from the provider.
   
   
4. You repay the provider later, in line with your agreed payment terms.

How Novuna Business Cash Flow can help

We’ve helped manufacturers across the UK streamline their supply chain funding and improve supplier confidence through tailored financial solutions. 

Speak to our experts today and we will help you find a great fit for your situation.