Novuna Business Cash Flow — SME finance eligibility guide
Novuna Business Cash Flow is the invoice finance arm of Novuna (formerly Hitachi Capital UK), serving UK SMEs with factoring and discounting.
- Official site:
- novuna.co.uk
- FCA reference:
- 704348
- Companies House:
- 01630491
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- Up to 90% invoice value
- Security / PG
- Typically secured against assets, property or invoices depending on product
- Speed
- 24–72h
Data confidence
Medium confidence. Some figures on this page are summarised from public sources but not always disclosed in full by the lender. Confirm specifics with the lender before applying.
Some details are not publicly disclosed by Novuna Business Cash Flow — verify directly before applying.
Products Novuna Business Cash Flow offers
A summary of the Novuna Business Cash Flow products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Invoice finance / factoring | Invoice Finance | Up to 90% invoice value | No minimum stated | Invoice-backed; adviser/comparator model — Security required | 24–72h | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Novuna Business Cash Flow's products. This is educational guidance only and is not a quote or guarantee of approval.
Invoice finance / factoring
Invoice Finance
Source: View Novuna Business Cash Flow's Invoice finance / factoring page on novunabusinesscashflow.co.uk ↗— Novuna Business Cash Flow UK invoice finance pages.
Who Novuna Business Cash Flow's Invoice finance / factoring may be suitable for
Novuna Business Cash Flow's Invoice finance / factoring may be a possible fit when Manufacturing, recruitment, logistics, professional services. Typical signals include b2b invoices, debtor book, 30–90 day terms, invoice-led cashflow gap.
Common blockers
- No B2B invoices
- Disputed invoices
- Poor debtor quality
- Insufficient invoice volume
Repayment
Novuna Business Cash Flow structures repayment as: invoice-linked.
Speed to funding
Novuna Business Cash Flow indicates speed to funding around: 24–72h. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: invoice-backed; adviser/comparator model. Tangible security is typically required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Novuna Business Cash Flow. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Novuna Business Cash Flow's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Novuna Business Cash Flow.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Novuna Business Cash Flow — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Novuna Business Cash Flow — Invoice finance / factoringnovunabusinesscashflow.co.ukNovuna Business Cash Flow UK invoice finance pages.
What this page is — and isn't
- Is: a plain-English summary of Novuna Business Cash Flow's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Novuna Business Cash Flow on the official Novuna Business Cash Flow site before applying.
Frequently asked questions about Novuna Business Cash Flow
- What is the minimum trading history for Novuna Business Cash Flow?
- Novuna Business Cash Flow does not stipulate a minimum trading-history figure for at least one of its products. Underwriting may still favour businesses with established trading history.
- Does Novuna Business Cash Flow require a personal guarantee?
- Novuna Business Cash Flow does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Novuna Business Cash Flow publish?
- Published speed indicators for Novuna Business Cash Flow include: 24–72h. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Novuna Business Cash Flow's minimum and maximum facility size?
- Novuna Business Cash Flow's published amount ranges are limited or not publicly disclosed. Some facilities may scale with revenue, asset value or property security — check the product table above.
- What is Novuna Business Cash Flow's published position on CCJs and adverse credit?
- Novuna Business Cash Flow does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether Novuna Business Cash Flow's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Novuna Business Cash Flow's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.