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18<title>Accounts receivable factoring | Compare providers with Novuna  | Novuna</title>
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444}
445#Team-Tiles .c-cta-tile__image {
446  border-radius: 3rem 3rem 0 0;
447}
448#Team-Tiles .c-cta-tile__content {
449  margin: 2rem 2rem 4rem;
450}
451#Team-Tiles .c-cta-tile__heading {
452  display: none;
453}
454#Team-Tiles h4 {
455  font-weight: 700;
456  letter-spacing: -1px;
457  color: #45006d;
458  font-size: 25px;
459  line-height: 32px;
460  margin-bottom: 0;
461}
462#Team-Tiles .title {
463  font-weight: 400;
464  letter-spacing: -1px;
465  color: #45006d;
466  font-size: 18px;
467  line-height: 25px;
468  font-family: silka;
469}
470#Team-Tiles p {
471  font-weight: 400;
472  color: #333333;
473  font-size: 16px;
474  line-height: 24px;
475}
476@media (max-width: 480px) {
477  #Team-Icons .c-tile-grid .tile {
478    margin: 0 0 2rem;
479  }
480}
481#Team-Icons .icon-tile {
482  background: #45006d;
483  border-radius: 3rem;
484  border: 5px solid #fff;
485}
486#Team-Icons .icon-tile__text {
487  background-color: #fff0;
488  letter-spacing: -1px;
489  color: #fff;
490  font-size: 18px;
491  line-height: 25px;
492  padding-top: 0;
493}
494#Team-Icons .icon-tile__text p {
495  font-family: silka;
496  font-weight: 600;
497  line-height: 2rem;
498}
499#Team-Icons .icon-tile--bg .icon-tile__icon:after {
500  background: #fff0;
501}
502#Team-Icons .icon--reflection {
503  display: none;
504}
505#Team-Icons {
506  background: linear-gradient(
507      121deg,
508      rgba(107, 56, 208, 0.95) 0%,
509      rgba(69, 0, 109, 0.85) 35.41%
510    ),
511    url("https://hcukwhitelabel-uat.azurewebsites.net/media/tqcbncgn/istock-1163571314.jpg?anchor=center&mode=crop&width=1110&format=webp&quality=80")
512      lightgray 50% / cover no-repeat;
513}
514#Team-Form {
515  background: linear-gradient(108deg, #6b38d0 0%, #45006d 50.84%);
516}
517@media (min-width: 720px) {
518  #Team-Icons,
519  #Team-Form {
520    padding: 90px 60px;
521  }
522}
523#Team-Form {
524  margin-bottom: -8px;
525}
526@media (max-width: 720px) {
527  #Team-Form .c-forms {
528    margin-bottom: 0;
529    width: 80%;
530    margin: 0 auto;
531  }
532}
533@media (min-width: 720px) {
534  #Team-Form .c-forms__page.umbraco-forms-page {
535    padding: 0 60px;
536  }
537}
538#Team-Form .c-forms .umbraco-forms-fieldset,
539#Team-Form .c-forms .umbraco-forms-navigation {
540  background-color: #fff0;
541  padding: 0;
542}
543#Team-Form .umbraco-forms-form .o-input {
544  width: 100%;
545  max-width: 100%;
546}
547#Team-Form .o-inFieldLabel input,
548#Team-Form .umbraco-forms-tooltip.o-help-block,
549#Team-Form .c-forms .umbraco-forms-navigation {
550  width: 100%;
551}
552#Team-Form .umbraco-forms-tooltip.o-help-block {
553  max-width: 31rem;
554  color: #fff;
555}
556#Team-Form .cms-rich-text-container p,
557#Team-Form .cms-rich-text-container h2 {
558  color: #fff;
559}
560#Team-Form .c-forms .umbraco-forms-fieldset {
561  margin-bottom: 5rem;
562}
563#Team-Form .c-forms .umbraco-forms-navigation {
564  max-width: 32rem;
565  padding-bottom: 0;
566}
567#Team-Form .c-forms .umbraco-forms-navigation .o-col-md-12 {
568  text-align: center;
569}
570#Team-Form .c-forms .umbraco-forms-navigation .o-btn:first-child {
571  margin: 0;
572}
573#Team-Sidebar img {
574  border-radius: 3rem;
575}
576#Team-Sidebar .cms-rich-text-container {
577  background: #f3f0f6;
578  border-radius: 3rem;
579  padding: 3rem;
580  margin-top: -15px;
581}
582@media (max-width: 575px) {
583  .cms-rich-text-container h2,
584  #Team-Sidebar h2,
585  #Team-Form h2,
586  #Team-Tiles h2,
587  #Team-Icons h2 {
588    font-size: 2.2rem;
589    line-height: 2.8rem;
590    font-weight: 500;
591    letter-spacing: -0.7px;
592  }
593}
594@media (max-width: 719px) {
595  .icon-tile--90 .icon-tile__icon {
596    height: 8rem;
597  }
598  .icon-tile--90 .icon-tile__icon img {
599    height: 6rem;
600    width: 6rem;
601  }
602}
603#Team-Sidebar-With-Cta .cms-rich-text-container:not(:has(#Team-Tiles)) {
604  background: #f3f0f6;
605  border-radius: 3rem;
606  padding: 3rem;
607}
608
609#Team-Sidebar-With-Cta #Team-Tiles .c-cta-tile {
610  display: flex;
611  flex-direction: row;
612padding:0;
613}
614#Team-Sidebar-With-Cta #Team-Tiles .c-cta-tile__image {
615  border-radius: 3rem 0 0 3rem;
616  width: 50%;
617  min-width: 160px;
618  height: 300px;
619}
620#Team-Sidebar-With-Cta #Team-Tiles .c-cta-tile__content {
621    margin: 3rem 2rem 4rem;
622}
623#Team-Sidebar-With-Cta #Team-Tiles .c-cta-tile__cta {
624    right: 20px;
625    bottom: 25px;
626}
627#Team-Sidebar-With-Cta .cms-rich-text-container .o-container{
628padding-left:0!important;
629padding-right:0!important;
630
631}
632
633/* Feefo */
634@media (max-width:719px){#Feefo-Novuna-Comp {margin-top: 30px;margin-bottom:15px;}}@media (max-width:719px){#Feefo-Novuna-Comp .hide{display:none}}#Feefo-Novuna-Comp{border-radius:20px;background:#F7F7F7;padding:0 15px}@media (max-width:1199px){#Feefo-Novuna-Comp .cms-rich-text-container .o-row{gap:30px 0}}@media (min-width:720px){#Feefo-Novuna-Comp .title-tile{margin:20px 0}}#Feefo-Novuna-Comp .title-tile .title p{font-weight:600;color:#000;font-family:Silka;font-size:26px;font-style:normal;line-height:30px;letter-spacing:-.75px;margin:15px 0}#Feefo-Novuna-Comp .title-tile .title p span{font-weight:400}#Feefo-Novuna-Comp .tile{background-color:#fff;padding:20px;border-radius:20px;height:100%}#Feefo-Novuna-Comp .stars{max-width:200px;padding:0;margin:0 auto}#Feefo-Novuna-Comp .tile p{margin:10px 0}#Feefo-Novuna-Comp .tile p,#Feefo-Novuna-Comp .title-tile p{font-family:Arial,Helvetica,san-serif;font-size:12px;font-style:normal;font-weight:400;line-height:18px;letter-spacing:-.24px}#Feefo-Novuna-Comp .title-tile p{text-align:center}#Feefo-Novuna-Comp .title-tile p small{font-size:1rem;line-height:1rem}#Feefo-Novuna-Comp .quote{border-radius:15px 15px 0 15px;padding:15px;background:#FFF;box-shadow:0 1.5px 5px 0 rgb(0 0 0 / .25)}#Feefo-Novuna-Comp .quote p{font-family:silka,arial,san-serif;margin:0;font-family:Silka;font-size:15px;font-style:normal;font-weight:600;line-height:20px;letter-spacing:-.5px}
635
636
637#BCF-Outlook iframe{display: block;height: 100vh;  border: none; width:100%;}
638
639
640/* Forms */
641.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-fieldset{position:relative}.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-fieldset:last-of-type{padding-bottom:0}.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-fieldset:nth-of-type(1){z-index:10}.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-fieldset:nth-of-type(2){z-index:9}.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-fieldset:nth-of-type(3){z-index:8}.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-fieldset:nth-of-type(4){z-index:7}.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-navigation{padding-top:3rem}.o-inFieldLabel input:not([type=file]){max-width: 36rem;}.o-select--option:first-of-type {height:50px}@media(min-width:720px){.o-select--option{padding: 0.3rem 1rem;}.o-select--option:first-of-type {    height:30px;}}
642
643
644@media (min-width: 720px) {
645    #ccc #ccc-notify:not(.ccc-banner)[role=region] {
646max-height: 0 !important;        
647min-height: fit-content !important; 
648        /* clear: both; */
649        max-width: 65rem;
650        top: 50%;
651        bottom: auto;
652        left: 50%;
653        -webkit-transform: translate(-50%, -50%) !important;
654        transform: translate(-50%, -50%) !important;
655        -webkit-animation: none !important;
656        animation: none !important;
657        border-radius: .3rem;
658        z-index: 1;
659        padding: 2.5rem 2rem;
660        opacity: 1;
661        display: block;
662    }
663}
664
665
666#ccc-module.ccc-module--slideout.ccc-module--right {
667    /* right: 0; */
668    -webkit-animation-name: slide-left;
669    animation-name: slide-left;
670    -webkit-animation-duration: .4s;
671    animation-duration: .4s;
672    -webkit-animation-iteration-count: 1;
673    animation-iteration-count: 1;
674    /* position: absolute; */
675    top: 60% !important;
676    left: 50% !important;
677    margin-right: -50% !important;
678    transform: translate(-50%, -50%) !important;
679}
680
681
682
683/* Accordions */
684@media (max-width: 720px) {
685    .c-accordion-panel.hideOnMobile .c-accordion__title:not(.currrentSelected) {
686        display: flex !important;
687    }
688}
689
690#Feedback .findthiscontenthelpful{margin-bottom:2rem}#Feedback .findthiscontenthelpful legend{display:none!important}#Feedback div.titleanddescription{margin:0}#Feedback .c-forms{width: 405px;text-align: center}#Feedback .umbraco-forms-fieldset{padding:4rem 4rem 0 4rem}
690#Feedback .umbraco-forms-form .o-input--textarea{height:12rem}#Feedback .c-forms h2{margin-bottom: 0.5rem}
691
692/* 3 Column text card rounded */
693#Text-card .c-text-card__inner{border-radius:20px;padding:3rem 2rem 2rem;margin-bottom:0}#Text-card .c-text-card__inner h3,#Text-card .c-text-card__inner p{color:#333}#Text-card .c-text-card__inner h3{font-size:2rem;line-height:2.6rem;margin-bottom:1rem}#Text-card .c-text-card__inner p{font-size:1.4rem;line-height:1.8rem}
694
695/* Rounded CTA tiles */
696#Rounded .c-cta-tile.toggle-background,
697#Rounded .c-tile-grid .tile.toggle-background {
698border-radius:20px;
699/* background-color:#3d0061; */
700padding-bottom: 0;
701}
702#Rounded .c-cta-tile__image,
703#Rounded .c-tile-grid .tile.toggle-background .tile__image{
704border-radius:20px 20px 0 0;
705}
706#Rounded .c-tile-grid .tile__content {
707    margin: 2rem 0 2.5rem;
708}
709#Rounded .c-tile-grid .tile:has(.tile__cta) .tile__content {
710    margin-bottom: 4rem;
711}
712#Rounded .c-tile-grid h3,
713#Rounded .c-cta-tile h3{
714margin-bottom:1.25rem;
715line-height: 2.2rem;
716}
717#Rounded .c-cta-tile p,
718#Rounded .c-cta-tile a,
719#Rounded .c-cta-tile h1,
720#Rounded .c-cta-tile h2,
721#Rounded .c-cta-tile h3,
722#Rounded .c-tile-grid p,
723#Rounded .c-tile-grid a,
724#Rounded .c-tile-grid h1,
725#Rounded .c-tile-grid h2,
726#Rounded .c-tile-grid h3{
727/* color:#ffffff; */
728}
729
730#Rounded-img img{
731 border-radius:2rem;
732}
733
734/* Coloured Icon tiles */
735#Icon-tiles .icon-tile{border-radius:20px 20px}#Icon-tiles .icon-tile__text{background-color:#3d0061;border-radius:0 0 20px 20px}.icon-tile__icon {    position: relative;    width: 100%;    -webkit-box-align: center;    -ms-flex-align: center;    align-items: center;    -webkit-box-pack: center;    -ms-flex-pack: center;    justify-content: center;    -ms-flex-negative: 0;    flex-shrink: 0;    overflow: hidden;}.icon-tile--120 .icon-tile__icon {height: 16rem;}.icon-tile--120 .icon-tile__icon img, .icon-tile--120 .icon-tile__icon svg {height: 12rem;width: 12rem;}.c-tile-grid .tile__title,.grid-section .c-tile-grid .tile__title,.tile__heading{font-size:1.8rem}.icon-tile__text p,.tile__content p:last-child{margin-bottom:0}.c-tile-grid,.grid-section .c-tile-grid{margin:0 -.5rem;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap}.c-tile-grid .tile,.grid-section .c-tile-grid .tile{margin:0 .5rem 2rem;position:relative;float:none}.c-tile-grid .tile.toggle-background,.grid-section .c-tile-grid .tile.toggle-background{background-color:#f7f7f7;padding-bottom:2rem;margin-bottom:2.5rem}.c-tile-grid .tile.toggle-background .tile__image,.grid-section .c-tile-grid .tile.toggle-background .tile__image{height:19rem}.c-tile-grid .tile.toggle-background .tile__content,.grid-section .c-tile-grid .tile.toggle-background .tile__content{padding-left:2rem;padding-right:2rem}.c-tile-grid .tile.toggle-background .tile__cta,.grid-section .c-tile-grid .tile.toggle-background .tile__cta{padding-left:2rem;padding-right:2rem;margin-bottom:2rem}.c-tile-grid .tile .o-btn:not(.o-btn--link),.grid-section .c-tile-grid .tile .o-btn:not(.o-btn--link){min-width:20rem}.c-tile-grid .tile .o-btn--link,.grid-section .c-tile-grid .tile .o-btn--link{min-width:0}.c-tile-grid--2.background-toggled,.grid-section .c-tile-grid--2.background-toggled{-webkit-box-pack:justify;-ms-flex-pack:justify;justify-content:space-between}@media (min-width:965px){.c-tile-grid--2.background-toggled,.grid-section .c-tile-grid--2.background-toggled{padding-bottom:1rem}.c-tile-grid--2 .tile.toggle-background:last-child,.c-tile-grid--2 .tile.toggle-background:nth-last-child(2),.grid-section .c-tile-grid--2 .tile.toggle-background:last-child{margin-bottom:3rem}}@media (min-width:720px) and (max-width:964px){.c-tile-grid--2.background-toggled,.grid-section .c-tile-grid--2.background-toggled{padding-bottom:2.5rem}.c-tile-grid--2 .tile.toggle-background:last-child,.c-tile-grid--2 .tile.toggle-background:nth-last-child(2),.grid-section .c-tile-grid--2 .tile.toggle-background:last-child{margin-bottom:1rem}.c-tile-grid--2 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--2 .tile.toggle-background .tile__image{height:17.2rem}}@media (min-width:320px) and (max-width:719px){.c-tile-grid--2.background-toggled,.grid-section .c-tile-grid--2.background-toggled{padding-bottom:2rem}}.c-tile-grid--2 .tile,.grid-section .c-tile-grid--2 .tile{-webkit-box-flex:0;
735-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}@media (max-width:965px){.c-tile-grid--2 .tile,.grid-section .c-tile-grid--2 .tile{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}}.c-tile-grid--2 .tile.toggle-background,.grid-section .c-tile-grid--2 .tile.toggle-background{-webkit-box-flex:calc(49% - 10px);-ms-flex:calc(49% - 10px);flex:calc(49% - 1rem);max-width:calc(49% - .88rem)}@media (min-width:575px) and (max-width:719px){.c-tile-grid--2 .tile.toggle-background:last-child,.c-tile-grid--2 .tile.toggle-background:nth-last-child(2),.grid-section .c-tile-grid--2 .tile.toggle-background:last-child{margin-bottom:0}.c-tile-grid--2 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--2 .tile.toggle-background .tile__image{height:13.2rem}}@media (max-width:575px){.c-tile-grid--2 .tile.toggle-background,.grid-section .c-tile-grid--2 .tile.toggle-background{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}.c-tile-grid--2 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--2 .tile.toggle-background .tile__image{height:15.8rem}}@media (min-width:320px) and (max-width:574px){.c-tile-grid--2 .tile.toggle-background:last-child,.grid-section .c-tile-grid--2 .tile.toggle-background:last-child{margin-bottom:0}}.c-tile-grid--3.background-toggled,.grid-section .c-tile-grid--3.background-toggled{-webkit-box-pack:justify;-ms-flex-pack:justify;justify-content:space-between}.c-tile-grid--3 .tile,.grid-section .c-tile-grid--3 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(33.33333% - 10px);flex:0 0 calc(33.33333% - 1rem);max-width:calc(33.33333% - 1rem)}@media (max-width:965px){.c-tile-grid--3 .tile,.grid-section .c-tile-grid--3 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}}@media (max-width:720px){.c-tile-grid .tile.toggle-background .tile__title,.grid-section .c-tile-grid .tile.toggle-background .tile__title{font-size:1.6rem}.c-tile-grid .tile.toggle-background .tile__cta span:first-child,.c-tile-grid .tile.toggle-background p,.grid-section .c-tile-grid .tile.toggle-background .tile__cta span:first-child{font-size:1.4rem}.c-tile-grid--3 .tile,.grid-section .c-tile-grid--3 .tile{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%;margin:0}}@media (min-width:965px){.c-tile-grid--3 .tile.toggle-background,.grid-section .c-tile-grid--3 .tile.toggle-background{-webkit-box-flex:calc(32% - 10px);-ms-flex:calc(32% - 10px);flex:calc(32% - 1rem);max-width:calc(32% - 1rem)}.c-tile-grid--3 .tile.toggle-background:last-child,.c-tile-grid--3 .tile.toggle-background:nth-last-child(2),.c-tile-grid--3 .tile.toggle-background:nth-last-child(3),.grid-section .c-tile-grid--3 .tile.toggle-background:last-child{margin-bottom:3rem}}@media (min-width:720px) and (max-width:964px){.c-tile-grid--3 .tile.toggle-background,.grid-section .c-tile-grid--3 .tile.toggle-background{-webkit-box-flex:calc(49% - 10px);-ms-flex:calc(49% - 10px);flex:calc(49% - 1rem);max-width:calc(49% - 1rem)}.c-tile-grid--3 .tile.toggle-background:last-child,.c-tile-grid--3 .tile.toggle-background:nth-last-child(2),.grid-section .c-tile-grid--3 .tile.toggle-background:last-child{margin-bottom:1rem}.c-tile-grid--3 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--3 .tile.toggle-background .tile__image{height:17.2rem}}@media (min-width:576px) and (max-width:719px){.c-tile-grid--3 .tile.toggle-background,.grid-section .c-tile-grid--3 .tile.toggle-background{-webkit-box-flex:calc(49% - 10px);-ms-flex:calc(49% - 10px);flex:calc(49% - 1rem);max-width:calc(49% - 1rem)}.c-tile-grid--3 .tile.toggle-background:last-child,.c-tile-grid--3 .tile.toggle-background:nth-last-child(2),.grid-section .c-tile-grid--3 .tile.toggle-background:last-child{margin-bottom:0}.c-tile-grid--3 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--3 .tile.toggle-background .tile__image{height:13.2rem}}@media (min-width:320px) and (max-width:576px){.c-tile-grid--3 .tile.toggle-background:last-child,.grid-section .c-tile-grid--3 .tile.toggle-background:last-child{margin-bottom:0}}@media (max-width:575px){.c-tile-grid--3 .tile.toggle-background,.grid-section .c-tile-grid--3 .tile.toggle-background{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}.c-tile-grid--3 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--3 .tile.toggle-background .tile__image{height:15.8rem}}@media (min-width:1200px){.c-tile-grid--3 .tile.toggle-background .tile__image,.grid-section .c-tile-grid--3 .tile.toggle-background .tile__image{width:100%}}.c-tile-grid--4 .tile,.grid-section .c-tile-grid--4 .tile{-webkit-box-flex:0;
735-ms-flex:0 0 calc(25% - 10px);flex:0 0 calc(25% - 1rem);max-width:calc(25% - 1rem)}@media (max-width:965px){.c-tile-grid--4 .tile,.grid-section .c-tile-grid--4 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(33.33333% - 10px);flex:0 0 calc(33.33333% - 1rem);max-width:calc(33.33333% - 1rem)}}@media (max-width:720px){.c-tile-grid--4 .tile,.grid-section .c-tile-grid--4 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}}@media (max-width:575px){.c-tile-grid--4 .tile,.grid-section .c-tile-grid--4 .tile{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}}.c-tile-grid--5 .tile,.grid-section .c-tile-grid--5 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(20% - 10px);flex:0 0 calc(20% - 1rem);max-width:calc(20% - 1rem)}@media (max-width:965px){.c-tile-grid--5 .tile,.grid-section .c-tile-grid--5 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(25% - 10px);flex:0 0 calc(25% - 1rem);max-width:calc(25% - 1rem)}}@media (max-width:720px){.c-tile-grid--5 .tile,.grid-section .c-tile-grid--5 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(33.33333% - 10px);flex:0 0 calc(33.33333% - 1rem);max-width:calc(33.33333% - 1rem)}}@media (max-width:576px){.c-tile-grid--5 .tile,.grid-section .c-tile-grid--5 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}}@media (max-width:480px){.c-tile-grid--5 .tile,.grid-section .c-tile-grid--5 .tile{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}}.c-tile-grid--6 .tile,.grid-section .c-tile-grid--6 .tile{-webkit-box-flex:0;
735-ms-flex:0 0 calc(16.66667% - 10px);flex:0 0 calc(16.66667% - 1rem);max-width:calc(16.66667% - 1rem)}@media (max-width:965px){.c-tile-grid--6 .tile,.grid-section .c-tile-grid--6 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(20% - 10px);flex:0 0 calc(20% - 1rem);max-width:calc(20% - 1rem)}}@media (max-width:720px){.c-tile-grid--6 .tile,.grid-section .c-tile-grid--6 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(25% - 10px);flex:0 0 calc(25% - 1rem);max-width:calc(25% - 1rem)}}@media (max-width:575px){.c-tile-grid--6 .tile,.grid-section .c-tile-grid--6 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(33.33333% - 10px);flex:0 0 calc(33.33333% - 1rem);max-width:calc(33.33333% - 1rem)}}@media (max-width:480px){.c-tile-grid--6 .tile,.grid-section .c-tile-grid--6 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}}.c-tile-grid--7 .tile,.grid-section .c-tile-grid--7 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(14.28571% - 10px);flex:0 0 calc(14.28571% - 1rem);max-width:calc(14.28571% - 1rem)}@media (max-width:1199px){.c-tile-grid--7 .tile,.grid-section .c-tile-grid--7 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(20% - 10px);flex:0 0 calc(20% - 1rem);max-width:calc(20% - 1rem)}}@media (max-width:965px){.c-tile-grid--7 .tile,.grid-section .c-tile-grid--7 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(25% - 10px);flex:0 0 calc(25% - 1rem);max-width:calc(25% - 1rem)}.c-tile-grid.c-tile-grid--icons .tile.icon-tile--120,.grid-section .c-tile-grid.c-tile-grid--icons .tile.icon-tile--120{-webkit-box-flex:0;-ms-flex:0 0 calc(33.33333% - 10px);flex:0 0 calc(33.33333% - 1rem);max-width:calc(33.33333% - 1rem)}}@media (max-width:720px){.c-tile-grid--7 .tile,.grid-section .c-tile-grid--7 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(33.33333% - 10px);flex:0 0 calc(33.33333% - 1rem);max-width:calc(33.33333% - 1rem)}.c-tile-grid.c-tile-grid--icons .tile.icon-tile--120,.grid-section .c-tile-grid.c-tile-grid--icons .tile.icon-tile--120{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}}@media (max-width:575px){.c-tile-grid--7 .tile,.grid-section .c-tile-grid--7 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 10px);flex:0 0 calc(50% - 1rem);max-width:calc(50% - 1rem)}.c-tile-grid.c-tile-grid--icons .tile.icon-tile--120,.grid-section .c-tile-grid.c-tile-grid--icons .tile.icon-tile--120{-webkit-box-flex:0;-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}}.c-tile-grid--md-2,.grid-section .c-tile-grid--md-2{margin:0 -1.5rem}.c-tile-grid--md-2 .tile,.grid-section .c-tile-grid--md-2 .tile{-webkit-box-flex:0;-ms-flex:0 0 calc(50% - 3rem);flex:0 0 calc(50% - 3rem);margin:0 1.5rem 2rem}@media (max-width:575px){.c-tile-grid--md-2,.grid-section .c-tile-grid--md-2{margin:0}.c-tile-grid--md-2 .tile,.grid-section .c-tile-grid--md-2 .tile{width:100%;margin:0 0 2rem}}@media (min-width:965px){.c-tile-grid--md-2,.grid-section .c-tile-grid--md-2{margin:0}.c-tile-grid--md-2 .tile,.grid-section .c-tile-grid--md-2 .tile{float:none;margin:0 0 2rem;width:100%}}.tile{width:100%;margin-bottom:2rem;position:relative;float:left}.tile__heading{margin-bottom:1rem;padding-top:.8rem;padding-left:2rem;border-left:.5rem solid #cbcbcb;line-height:1.9rem;min-height:65px}.tile__image{display:block;height:18.5rem;background-size:cover;background-position:50%;background-repeat:no-repeat}.tile__content{margin:2rem .2rem 5rem;font-size:1.6rem}.tile__cta{position:absolute;bottom:0}.tile__cta .o-btn--link{padding-left:0}.tile__cta .o-btn--link>span:first-child{font-size:1.65rem}.tile__cta .o-btn--link .o-btn__icon-right{margin-bottom:-.2rem;font-size:1.4rem}.icon-tile,.icon-tile__icon{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-orient:vertical;-webkit-box-direction:normal;-ms-flex-direction:column;flex-direction:column}.icon-tile__text{padding:2rem 1.5rem;text-align:center;font-size:1.6rem;line-height:1.8rem;-webkit-box-flex:1;-ms-flex-positive:1;flex-grow:1;word-break:break-word}.icon-tile--bg .icon-tile__text{background-color:#737373;color:#fff;margin:0}
736
737
738/* Carousel controls */
739div.c-cta-tiles-carousel__controls{gap:10px}div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-next{margin:0;padding-right: 3px}div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-prev{margin:0;padding-left: 3px}div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-prev,div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-next{width:40px;height:40px;align-items: center;justify-content: center;display: flex;/* color: #45006D; */border: 3px solid #45006D;background-color:#F3F0F6}div.c-cta-tiles-carousel__controls .swiper-button-disabled{opacity: .5;border:none;border: 3px solid #F3F0F6}
740
741
742section div.c-fcard__panel{
743    display: flex;
744    align-items: center;
745}
746
747.c-fcard__content > .o-btn, .c-fcard__link{
748    margin-top: 1.5rem;
749}
750
751@media (min-width: 720px) {
752#Rounded     .c-tile-grid--3 .tile.toggle-background, #Rounded .grid-section .c-tile-grid--3 .tile.toggle-background {
753        -webkit-box-flex: calc(33.33% - 1rem);
754        -ms-flex: calc(33.33% - 1rem);
755        flex: calc(33.33% - 1rem);
756        max-width: calc(33.33% - 2rem);
757
758}}
759
760@media (min-width: 720px) {
761#Rounded .c-tile-grid, 
762#Rounded .grid-section .c-tile-grid,
763#Rounded .c-tile-grid .tile, 
764#Rounded .grid-section .c-tile-grid .tile {
765 gap: 30px;
766justify-content: flex-start;
767padding-bottom: 3rem;
768margin:0;
769}}
770
771div.c-text-card__inner {
772    border-radius: 2rem;
773}
774
775
776.c-forms--multiStep  .c-forms--progress ol {
777    -ms-flex-wrap: nowrap;
778    flex-wrap: nowrap;
779}
780.c-forms--multiStep .c-forms--progress li, .c-forms--multiStep .c-forms--progress li:first-child {
781    flex: 1 1 auto;
782    margin-left: 0;
783}
784.c-forms--multiStep .c-forms--progress li:before{
785content:none;
786}
787
788/* New forms */
789@media (max-width:575px){div.c-forms .umbraco-forms-submitmessage,div.c-forms--news,div.c-forms:not(.c-forms--news) .umbraco-forms-fieldset{padding:1.5rem}div.c-forms .umbraco-forms-navigation .o-btn:first-child{margin:0;width:100%}div.c-forms .umbraco-forms-navigation .o-row .o-col-md-12{margin:0;padding:0}div.umbraco-forms-container .o-form-group:last-of-type,fieldset.umbraco-forms-fieldset>.o-row{margin-bottom:0}div.c-forms__page.umbraco-forms-page:not(.c-forms--multiStep) .umbraco-forms-navigation{padding-bottom:2rem}div.o-inFieldLabel input:not([type=file]){max-width:100%;width:100%}}
790
791
792</style>
793
794    
794<script >
795        document.createElement('template');
796    </script>
796
797
798
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800src: "https://js.monitor.azure.com/scripts/b/ai.2.min.js", // The SDK URL Source
801crossOrigin: "anonymous", 
802cfg: { // Application Insights Configuration
803    connectionString: 'InstrumentationKey=620fee42-b835-4e40-badf-cff462b68d35'
804}});</script>
804</head>
805<body data-gtm-department="">
806    
807
808    
809<style>
810
811
812
813
814
815
816#Careers_form .o-inFieldLabel label {
817    padding-right: 20px;
818}
819
820#Careers_form .umbraco-forms-form h2{
821    font-size: 2.2rem;
822    line-height: 2.8rem;
823}
824
825#Careers_form .umbraco-forms-fieldset{
826padding:1.5rem;
827margin-bottom: 4.5rem;
828}
829
830#Careers_form .richtext{
831width:100%;
832margin-bottom:1rem;
833}
834#Careers_form  .umbraco-forms-navigation{
835text-align: center;
836padding: 2rem 0 3rem;
837}
838
839@media (min-width: 720px) {
840#Careers_form .umbraco-forms-form{
841width:80%;
842margin: 0 auto;
843}
844#Careers_form .umbraco-forms-fieldset{
845padding:3rem 3rem 0;
846}
847
848#Careers_form .o-row{
849margin-bottom:0;
850}
851
852#Careers_form .umbraco-forms-container{
853display: flex;
854flex-wrap: wrap;
855}
856
857#Careers_form .umbraco-forms-fieldset .o-form-group.shortanswer {
858display: block;
859        min-width: 50%;
860}}
861#Careers_form .o-inFieldLabel input:not([type=file]) {
862    max-width: 100%;
863}
864
865
866
867
868#Careers_awards .c-cta-tile__content {
869    display: none;
870}
871
872#Careers_video .video-wrap, #Careers_video .video-wrap--plyr{
873height:400px;
874padding-bottom:0;
875 }
876
877#Careers_video .video-wrap--plyr {
878    border-radius: 1.5rem;
879}
880
881#Careers_sidebar img{
882border-radius:20px;
883}
884
885#Careers_banner .c-banner--container.c-banner--is-a-banner {
886    border-radius: 20px;
887}
888@media (min-width: 720px) {
889#Careers_banner .c-banner__content {
890        background: linear-gradient(0, rgba(61, 0, 97, 0.65) 47%, rgba(47, 0, 62, 0.8) 77%);
891    }}
892
893
894
895
896
897
898#Careers_cta-tiles .tile{
899background-color:rgb(61 0 97);
900    min-height: 265px;
901}
902
903#Careers_cta-tiles .tile__heading {
904    padding: 0; 
905    border-left: 0;
906min-height:auto;
907text-align:center;
908font-weight:600;
909color:#ffffff;
910margin-bottom:0; 
911}
912#Careers_cta-tiles .tile__image-block{
913height: 17rem;
914    width: 17rem;
915    text-align: center;
916    margin: auto;
917    padding: 1rem;
918    display: block;
919}
920#Careers_cta-tiles .tile__image-block{
921    object-fit: scale-down;
922padding:0;
923}
924#Careers_cta-tiles .c-tile-grid, #Careers_cta-tiles  .grid-section .c-tile-grid {
925    gap: 2rem;
926margin:0;
927}
928#Careers_cta-tiles .c-tile-grid .tile, #Careers_cta-tiles .grid-section .c-tile-grid .tile {
929    margin: 0;
930padding:2.5rem 1.5rem 2rem;
931border-radius:2rem;
932}
933#Careers_cta-tiles .c-tile-grid--4 .tile, #Careers_cta-tiles .grid-section .c-tile-grid--4 .tile {
934    -ms-flex: 0 0 calc(50% - 1.5rem);
935flex: 0 0 calc(50% - 1.5rem);
936    max-width: calc(50% - 1.5rem);
937}
938#Careers_cta-tiles .tile .tile__image-link{
939display: none;
940}
941#Careers_cta-tiles .tile .tile__content {
942display: block;
943color:#ffffff;
944}
945
946
947@media (min-width: 964px) {
948#Careers_cta-tiles .c-tile-grid--4 .tile, #Careers_cta-tiles .grid-section .c-tile-grid--4 .tile {
949    -ms-flex: 0 0 calc(25% - 1.5rem);
950flex: 0 0 calc(25% - 1.5rem);
951    max-width: calc(25% - 1.5rem);
952}
953#Careers_cta-tiles .tile__image-block{
954height: 17rem;
955    width: 17rem;
956    text-align: center;
957    margin: auto;
958    padding: 1rem;
959    display: block;
960}
961#Careers_cta-tiles .tile .tile__image-link{
962display: block;
963}
964#Careers_cta-tiles .tile:hover .tile__image-link{
965display: none;
966}
967#Careers_cta-tiles .tile .tile__content {
968    margin: 0;
969color:#ffffff;
970display: none;
971}
972#Careers_cta-tiles .tile:hover .tile__content {
973display: block;
974}}
975
976
977#Careers_awards .c-cta-tile {
978    width: 227px !important;        
979margin-right: 0!important;
980}
981#Careers_awards .c-cta-tiles-carousel__controls {
982    width: fit-content;
983    padding: 15px 0;
984    margin: 0 auto;
985}
986@media (min-width: 720px) {
987#Careers_awards .c-cta-tiles-carousel__controls {
988    justify-content: space-between;
989    width: stretch;
990    position: absolute;
991    top: 45%;
992padding:0;
993        margin-right: 0!important;
994}
995
996#Careers_awards .c-cta-tiles-carousel__container {
997    margin: 60px;
998}}
999
1000#Careers_awards .c-cta-tiles-carousel__controls p{
1001display:none;
1002}
1003
1004
1005/* Carousel controls */
1006div.c-cta-tiles-carousel__controls{gap:10px}div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-next{margin:0;padding-right: 3px}div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-prev{margin:0;padding-left: 3px}div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-prev,div.c-cta-tiles-carousel__controls .c-cta-tiles-carousel__button-next{width:40px;height:40px;align-items: center;justify-content: center;display: flex;color: #45006D;border: 3px solid #45006D;background-color:#F3F0F6}div.c-cta-tiles-carousel__controls .swiper-button-disabled{opacity: .5;border:none;border: 3px solid #F3F0F6}
1007
1008
1009
1010</style>
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1011
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1013                <iframe src="https://www.googletagmanager.com/ns.html?id=
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1016<!-- End Google Tag Manager (noscript) -->
1017
1018
1019
1020    
1021
1022
1023
1024
1025
1026
1027
1028
1029
1030
1031<header class="c-header ">
1032    <div class="c-header__top">
1033            <div id="header-search" class="c-header__search hidden">
1034                <div class="c-header__search-wrapper">
1035                    <div class="o-container">
1036                        <form action="/search/" role="search">
1037                            <div class="o-form-group">
1038                                <label for="header-search-input" class="sr-only o-label">Search</label>
1039                                <input type="text" class="text o-input" id="header-search-input" name="query" placeholder="What are you looking for?" required />
1040                                <button type="submit" class="o-btn o-btn--green o-btn--small gi-icon-btn gi-icon-search">
1041                                    <span>Search</span>
1042                                </button>
1043                            </div>
1044                            <a href="javascript:;" class="c-header__search-close" data-dismiss="modal" data-toggle-control="header-search">
1045                                <span class="close-title" hidden>close</span>
1046                                <span class="gi-icon-close close-icon" aria-hidden="true"></span>
1047                            </a>
1048                        </form>
1049                    </div>
1050                </div>
1051            </div>
1052
1053        <div class="o-container">
1054            <div class="c-header__main">
1055
1056                    <a href="/business-cash-flow/" title="Novuna" class="c-header__logo">
1057                        <img src="/media/lrelg5rd/novuna_no-business-unit.svg" alt="Novuna logo" class="logo__siteBrand" />
1058<picture><source srcset='/media/gbih3ckr/novuna-logo-stacked-web-header-sub_bcf.svg' type='image/svg'><img src='/media/gbih3ckr/novuna-logo-stacked-web-header-sub_bcf.svg' alt='Novuna Logo Stacked Web Header Sub BCF' class='logo__link logo__desktop'></picture><picture><source srcset='/media/gbih3ckr/novuna-logo-stacked-web-header-sub_bcf.svg' type='image/svg'><img src='/media/gbih3ckr/novuna-logo-stacked-web-header-sub_bcf.svg' alt='Novuna Logo Stacked Web Header Sub BCF' class='logo__link logo__mobile'></picture>                    </a>
1059
1060                <div class="c-header__top-right">
1061                    <div class="c-header__top-nav">
1062
1063
1064                            <a href="javascript:;" class="o-btn o-btn--secondary-outline gi-icon-btn gi-icon-search " data-toggle-control="header-search" role="button">
1065                                <span class="search-text hidden-sm-down">Search</span>
1066                            </a>
1067
1068
1069
1070
1071                    </div>
1072
1073                        <a class="c-header__main-nav-control hidden-lg-up" data-hide-right="false" href="#" data-nav-control="primary-nav" data-nav-type="main">
1074                            <span class="burger">
1075                                <span></span>
1076                            </span>
1077                        </a>
1078                </div>
1079            </div>
1080        </div>
1081    </div>
1082
1083
1084    <div class="c-header__bottom">
1085        <div class="o-container">
1086            <div class="c-header__secondary">
1087                    <nav aria-label="header sub" class="hidden-md-down">
1088                        <ul role="menubar" class="c-header__bottom-nav" itemscope="itemscope" itemtype="http://schema.org/SiteNavigationElement">
1089                                        <li itemprop="url" role="presentation">
1090                                            <a itemprop="name" href="/news-and-insights/">News &amp; Insights</a>
1091                                        </li>
1092                                        <li itemprop="url" role="presentation">
1093                                            <a itemprop="name" href="/contact-us/">Contact us</a>
1094                                        </li>
1095                        </ul>
1096                    </nav>
1097            </div>
1098
1099                <nav aria-label="main" class="c-header__main-nav" id="primary-nav">
1100                    
1101
1102                    <ul role="menubar" class="c-nav" itemscope="itemscope" itemtype="http://schema.org/SiteNavigationElement">
1103                        
1104
1105        <li role="presentation" class="c-nav__link " itemprop="url">
1106            <a  href="/about-novuna/" target="" itemprop="name">
1107                <span>About Novuna</span>
1108            </a>
1109
1110                <div class="c-nav__mega">
1111                    <div class="c-nav__mega--container">
1112
1113                            <div class="item ">
1114                                <ul>
1115                                    <li>
1116                                        <a class="mega-nav-header-link" href="/about-novuna/our-story/">
1117                                            Our Story
1118                                        </a>
1119                                    </li>
1120
1121                                </ul>
1122                            </div>
1123                            <div class="item ">
1124                                <ul>
1125                                    <li>
1126                                        <a class="mega-nav-header-link" href="/about-novuna/our-global-strength/">
1127                                            Our Global Strength
1128                                        </a>
1129                                    </li>
1130
1131                                </ul>
1132                            </div>
1133                            <div class="item item__mb">
1134                                <ul>
1135                                    <li>
1136                                        <a class="mega-nav-header-link" href="/about-novuna/our-culture-and-careers/">
1137                                            Our Culture and Careers
1138                                        </a>
1139                                    </li>
1140
1141                                            <li>
1142                                                <a class="mega-nav-link" href="/about-novuna/our-culture-and-careers/inclusion-and-diversity/">
1143                                                    Inclusion and Diversity
1144
1145
1146                                                </a>
1147                                            </li>
1148                                </ul>
1149                            </div>
1150                            <div class="item ">
1151                                <ul>
1152                                    <li>
1153                                        <a class="mega-nav-header-link" href="/about-novuna/committed-to-wellbeing-and-responsibility/">
1154                                            Committed to Wellbeing and Responsibility
1155                                        </a>
1156                                    </li>
1157
1158                                </ul>
1159                            </div>
1160
1161                    </div>
1162                </div>
1163                <a href="#" class="c-nav__subNav-toggle" data-mega-nav="sub-nav-9240"></a>
1164                <div class="c-nav__link--sub-panel">
1165
1166                        <ul class="c-nav__subNav" role="menubar">
1167                            <li class="header" role="presentation" itemprop="name">
1168                                <a class="mega-menu-back-link">Back to main menu</a>
1169                                <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back-9240"></a>
1170                            </li>
1171
1172        <li role="presentation" itemprop="name">
1173            <a href="/about-novuna/our-story/">
1174                Our Story
1175
1176            </a>
1177
1178
1179        </li>
1180        <li role="presentation" itemprop="name">
1181            <a href="/about-novuna/our-global-strength/">
1182                Our Global Strength
1183
1184            </a>
1185
1186
1187        </li>
1188        <li role="presentation" itemprop="name">
1189            <a href="/about-novuna/our-culture-and-careers/">
1190                Our Culture and Careers
1191
1192            </a>
1193
1194                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-9243"></a>
1195        <div class="c-nav__link--sub-panel">
1196
1197                <ul class="c-nav__subNav" role="menubar">
1198                    <li class="header" role="presentation" itemprop="name">
1199                        <a class="mega-menu-back-link">Back to Our Culture and Careers</a>
1200                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
1201                    </li>
1202
1203        <li role="presentation" itemprop="name">
1204            <a href="/about-novuna/our-culture-and-careers/inclusion-and-diversity/">
1205                Inclusion and Diversity
1206
1207            </a>
1208
1209
1210        </li>
1211
1212                </ul>
1213
1214        </div>
1215
1216        </li>
1217        <li role="presentation" itemprop="name">
1218            <a href="/about-novuna/committed-to-wellbeing-and-responsibility/">
1219                Committed to Wellbeing and Responsibility
1220
1221            </a>
1222
1223
1224        </li>
1225
1226                        </ul>
1227
1228                </div>
1229
1230        </li>
1231        <li role="presentation" class="c-nav__link " itemprop="url">
1232            <a  href="/consumer-finance/" target="" itemprop="name">
1233                <span>Consumer Finance</span>
1234            </a>
1235
1236                <div class="c-nav__mega">
1237                    <div class="c-nav__mega--container">
1238
1239                            <div class="item ">
1240                                <ul>
1241                                    <li>
1242                                        <a class="mega-nav-header-link" href="/consumer-finance/our-specialist-retail-sectors/">
1243                                            Our Specialist Retail Sectors
1244                                        </a>
1245                                    </li>
1246
1247                                </ul>
1248                            </div>
1249                            <div class="item item__mb">
1250                                <ul>
1251                                    <li>
1252                                        <a class="mega-nav-header-link" href="/consumer-finance/retail-finance-options/">
1253                                            Retail Finance Options
1254                                        </a>
1255                                    </li>
1256
1257                                            <li>
1258                                                <a class="mega-nav-link" href="/consumer-finance/retail-finance-options/buy-now-pay-later/">
1259                                                    Buy Now Pay Later
1260
1261
1262                                                </a>
1263                                            </li>
1264                                            <li>
1265                                                <a class="mega-nav-link" href="/consumer-finance/retail-finance-options/interest-free-credit/">
1266                                                    Interest Free Credit
1267
1268
1269                                                </a>
1270                                            </li>
1271                                            <li>
1272                                                <a class="mega-nav-link" href="/consumer-finance/retail-finance-options/interest-bearing-credit/">
1273                                                    Interest Bearing Credit
1274
1275
1276                                                </a>
1277                                            </li>
1278                                            <li>
1279                                                <a class="mega-nav-link" href="/consumer-finance/membership-and-fee-finance/">
1280                                                    Membership And Fee Finance
1281
1282
1283                                                </a>
1284                                            </li>
1285                                            <li>
1286                                                <a class="mega-nav-link" href="/consumer-finance/retail-finance-options/fca-authorisation/">
1287                                                    FCA Authorisation
1288
1289
1290                                                </a>
1291                                            </li>
1292                                </ul>
1293                            </div>
1294                            <div class="item item__mb">
1295                                <ul>
1296                                    <li>
1297                                        <a class="mega-nav-header-link" href="/consumer-finance/point-of-sale-solutions/">
1298                                            Point of Sale Solutions
1299                                        </a>
1300                                    </li>
1301
1302                                            <li>
1303                                                <a class="mega-nav-link" href="/consumer-finance/point-of-sale-solutions/our-credit-system/">
1304                                                    Our Credit System
1305
1306
1307                                                </a>
1308                                            </li>
1309                                            <li>
1310                                                <a class="mega-nav-link" href="/consumer-finance/point-of-sale-solutions/tailored-finance/">
1311                                                    Tailored Finance
1312
1313
1314                                                </a>
1315                                            </li>
1316                                            <li>
1317                                                <a class="mega-nav-link" href="/consumer-finance/point-of-sale-solutions/fraud-detection/">
1318                                                    Fraud Detection
1319
1320
1321                                                </a>
1322                                            </li>
1323                                </ul>
1324                            </div>
1325                            <div class="item ">
1326                                <ul>
1327                                    <li>
1328                                        <a class="mega-nav-header-link" href="/consumer-finance/novuna-experience/">
1329                                            Novuna Experience
1330                                        </a>
1331                                    </li>
1332
1333                                </ul>
1334                            </div>
1335                            <div class="item item__mb">
1336                                <ul>
1337                                    <li>
1338                                        <a class="mega-nav-header-link" href="/consumer-finance/resources/">
1339                                            Resources
1340                                        </a>
1341                                    </li>
1342
1343                                            <li>
1344                                                <a class="mega-nav-link" href="/consumer-finance/resources/case-studies/">
1345                                                    Case Studies
1346
1347
1348                                                </a>
1349                                            </li>
1350                                            <li>
1351                                                <a class="mega-nav-link" href="/news-and-insights/consumer-finance/" target="_blank">
1352                                                    News &amp; Insights
1353
1354
1355                                                </a>
1356                                            </li>
1357                                            <li>
1358                                                <a class="mega-nav-link" href="/consumer-finance/our-experts/">
1359                                                    The Novuna Team
1360
1361
1362                                                </a>
1363                                            </li>
1364                                </ul>
1365                            </div>
1366                            <div class="item ">
1367                                <ul>
1368                                    <li>
1369                                        <a class="mega-nav-header-link" href="https://www.novunapersonalfinance.co.uk/retail-finance/" target="_blank">
1370                                            For Shoppers
1371                                                <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
1372                                        </a>
1373                                    </li>
1374
1375                                </ul>
1376                            </div>
1377                            <div class="item ">
1378                                <ul>
1379                                    <li>
1380                                        <a class="mega-nav-header-link" href="/consumer-finance/boost-your-retail-sales/">
1381                                            Boost your retail sales
1382                                        </a>
1383                                    </li>
1384
1385                                </ul>
1386                            </div>
1387                            <div class="item ">
1388                                <ul>
1389                                    <li>
1390                                        <a class="mega-nav-header-link" href="/consumer-finance/turn-browsers-into-buyers/">
1391                                            Turn browsers into buyers
1392                                        </a>
1393                                    </li>
1394
1395                                </ul>
1396                            </div>
1397
1398                    </div>
1399                </div>
1400                <a href="#" class="c-nav__subNav-toggle" data-mega-nav="sub-nav-5450"></a>
1401                <div class="c-nav__link--sub-panel">
1402
1403                        <ul class="c-nav__subNav" role="menubar">
1404                            <li class="header" role="presentation" itemprop="name">
1405                                <a class="mega-menu-back-link">Back to main menu</a>
1406                                <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back-5450"></a>
1407                            </li>
1408
1409        <li role="presentation" itemprop="name">
1410            <a href="/consumer-finance/our-specialist-retail-sectors/">
1411                Our Specialist Retail Sectors
1412
1413            </a>
1414
1415
1416        </li>
1417        <li role="presentation" itemprop="name">
1418            <a href="/consumer-finance/retail-finance-options/">
1419                Retail Finance Options
1420
1421            </a>
1422
1423                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-6033"></a>
1424        <div class="c-nav__link--sub-panel">
1425
1426                <ul class="c-nav__subNav" role="menubar">
1427                    <li class="header" role="presentation" itemprop="name">
1428                        <a class="mega-menu-back-link">Back to Retail Finance Options</a>
1429                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
1430                    </li>
1431
1432        <li role="presentation" itemprop="name">
1433            <a href="/consumer-finance/retail-finance-options/buy-now-pay-later/">
1434                Buy Now Pay Later
1435
1436            </a>
1437
1438
1439        </li>
1440        <li role="presentation" itemprop="name">
1441            <a href="/consumer-finance/retail-finance-options/interest-free-credit/">
1442                Interest Free Credit
1443
1444            </a>
1445
1446
1447        </li>
1448        <li role="presentation" itemprop="name">
1449            <a href="/consumer-finance/retail-finance-options/interest-bearing-credit/">
1450                Interest Bearing Credit
1451
1452            </a>
1453
1454
1455        </li>
1456        <li role="presentation" itemprop="name">
1457            <a href="/consumer-finance/membership-and-fee-finance/">
1458                Membership And Fee Finance
1459
1460            </a>
1461
1462
1463        </li>
1464        <li role="presentation" itemprop="name">
1465            <a href="/consumer-finance/retail-finance-options/fca-authorisation/">
1466                FCA Authorisation
1467
1468            </a>
1469
1470
1471        </li>
1472
1473                </ul>
1474
1475        </div>
1476
1477        </li>
1478        <li role="presentation" itemprop="name">
1479            <a href="/consumer-finance/point-of-sale-solutions/">
1480                Point of Sale Solutions
1481
1482            </a>
1483
1484                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-6078"></a>
1485        <div class="c-nav__link--sub-panel">
1486
1487                <ul class="c-nav__subNav" role="menubar">
1488                    <li class="header" role="presentation" itemprop="name">
1489                        <a class="mega-menu-back-link">Back to Point of Sale Solutions</a>
1490                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
1491                    </li>
1492
1493        <li role="presentation" itemprop="name">
1494            <a href="/consumer-finance/point-of-sale-solutions/our-credit-system/">
1495                Our Credit System
1496
1497            </a>
1498
1499
1500        </li>
1501        <li role="presentation" itemprop="name">
1502            <a href="/consumer-finance/point-of-sale-solutions/tailored-finance/">
1503                Tailored Finance
1504
1505            </a>
1506
1507
1508        </li>
1509        <li role="presentation" itemprop="name">
1510            <a href="/consumer-finance/point-of-sale-solutions/fraud-detection/">
1511                Fraud Detection
1512
1513            </a>
1514
1515
1516        </li>
1517
1518                </ul>
1519
1520        </div>
1521
1522        </li>
1523        <li role="presentation" itemprop="name">
1524            <a href="/consumer-finance/novuna-experience/">
1525                Novuna Experience
1526
1527            </a>
1528
1529
1530        </li>
1531        <li role="presentation" itemprop="name">
1532            <a href="/consumer-finance/resources/">
1533                Resources
1534
1535            </a>
1536
1537                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-6113"></a>
1538        <div class="c-nav__link--sub-panel">
1539
1540                <ul class="c-nav__subNav" role="menubar">
1541                    <li class="header" role="presentation" itemprop="name">
1542                        <a class="mega-menu-back-link">Back to Resources</a>
1543                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
1544                    </li>
1545
1546        <li role="presentation" itemprop="name">
1547            <a href="/consumer-finance/resources/case-studies/">
1548                Case Studies
1549
1550            </a>
1551
1552
1553        </li>
1554        <li role="presentation" itemprop="name">
1555            <a href="/news-and-insights/consumer-finance/">
1556                News &amp; Insights
1557
1558            </a>
1559
1560
1561        </li>
1562        <li role="presentation" itemprop="name">
1563            <a href="/consumer-finance/our-experts/">
1564                The Novuna Team
1565
1566            </a>
1567
1568
1569        </li>
1570
1571                </ul>
1572
1573        </div>
1574
1575        </li>
1576        <li role="presentation" itemprop="name">
1577            <a href="https://www.novunapersonalfinance.co.uk/retail-finance/">
1578                For Shoppers
1579
1580                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
1581            </a>
1582
1583
1584        </li>
1585        <li role="presentation" itemprop="name">
1586            <a href="/consumer-finance/boost-your-retail-sales/">
1587                Boost your retail sales
1588
1589            </a>
1590
1591
1592        </li>
1593        <li role="presentation" itemprop="name">
1594            <a href="/consumer-finance/turn-browsers-into-buyers/">
1595                Turn browsers into buyers
1596
1597            </a>
1598
1599
1600        </li>
1601
1602                        </ul>
1603
1604                </div>
1605
1606        </li>
1607        <li role="presentation" class="c-nav__link " itemprop="url">
1608            <a  href="/business-finance/" target="" itemprop="name">
1609                <span>Business Finance</span>
1610            </a>
1611
1612                <div class="c-nav__mega">
1613                    <div class="c-nav__mega--container">
1614
1615                            <div class="item item__mb">
1616                                <ul>
1617                                    <li>
1618                                        <a class="mega-nav-header-link" href="/business-finance/finance-products/">
1619                                            Finance Products
1620                                        </a>
1621                                    </li>
1622
1623                                            <li>
1624                                                <a class="mega-nav-link" href="/business-finance/project-finance/">
1625                                                    Project Finance
1626
1627
1628                                                </a>
1629                                            </li>
1630                                            <li>
1631                                                <a class="mega-nav-link" href="/business-finance/finance-introducers/b2b-finance/">
1632                                                    B2B Finance
1633
1634
1635                                                </a>
1636                                            </li>
1637                                            <li>
1638                                                <a class="mega-nav-link" href="/business-finance/finance-introducers/stock-finance/">
1639                                                    Stock Finance
1640
1641
1642                                                </a>
1643                                            </li>
1644                                            <li>
1645                                                <a class="mega-nav-link" href="/business-finance/finance-products/block-discounting/">
1646                                                    Block Discounting
1647
1648
1649                                                </a>
1650                                            </li>
1651                                            <li>
1652                                                <a class="mega-nav-link" href="/business-finance/finance-introducers/finance-brokers/">
1653                                                    Finance Brokers
1654
1655
1656                                                </a>
1657                                            </li>
1658                                </ul>
1659                            </div>
1660                            <div class="item ">
1661                                <ul>
1662                                    <li>
1663                                        <a class="mega-nav-header-link" href="/business-finance/project-finance/">
1664                                            Project finance
1665                                        </a>
1666                                    </li>
1667
1668                                </ul>
1669                            </div>
1670                            <div class="item item__mb">
1671                                <ul>
1672                                    <li>
1673                                        <a class="mega-nav-header-link" href="/business-finance/asset-finance/">
1674                                            Asset finance
1675                                        </a>
1676                                    </li>
1677
1678                                            <li>
1679                                                <a class="mega-nav-link" href="/business-finance/asset-finance/construction-finance/">
1680                                                    Construction finance
1681
1682
1683                                                </a>
1684                                            </li>
1685                                            <li>
1686                                                <a class="mega-nav-link" href="/business-finance/asset-finance/manufacturing-finance/">
1687                                                    Manufacturing finance
1688
1689
1690                                                </a>
1691                                            </li>
1692                                            <li>
1693                                                <a class="mega-nav-link" href="/business-finance/asset-finance/transport-finance/">
1694                                                    Transport finance
1695
1696
1697                                                </a>
1698                                            </li>
1699                                            <li>
1700                                                <a class="mega-nav-link" href="/business-finance/asset-finance/agriculture-finance/">
1701                                                    Agriculture finance
1702
1703
1704                                                </a>
1705                                            </li>
1706                                            <li>
1707                                                <a class="mega-nav-link" href="/business-finance/asset-finance/technology-finance/">
1708                                                    Technology f
1708inance
1709
1710
1711                                                </a>
1712                                            </li>
1713                                            <li>
1714                                                <a class="mega-nav-link" href="/business-finance/asset-finance/renewable-energy-finance/">
1715                                                    Renewable energy finance
1716
1717
1718                                                </a>
1719                                            </li>
1720                                            <li>
1721                                                <a class="mega-nav-link" href="/business-finance/asset-finance/healthcare-finance/">
1722                                                    Healthcare finance
1723
1724
1725                                                </a>
1726                                            </li>
1727                                            <li>
1728                                                <a class="mega-nav-link" href="/business-finance/asset-finance/garage-equipment-finance/">
1729                                                    Garage equipment finance
1730
1731
1732                                                </a>
1733                                            </li>
1734                                            <li>
1735                                                <a class="mega-nav-link" href="/business-finance/asset-finance/business-car-finance/">
1736                                                    Business car finance
1737
1738
1739                                                </a>
1740                                            </li>
1741                                </ul>
1742                            </div>
1743                            <div class="item item__mb">
1744                                <ul>
1745                                    <li>
1746                                        <a class="mega-nav-header-link" href="/business-finance/finance-introducers/">
1747                                            Finance Introducers
1748                                        </a>
1749                                    </li>
1750
1751                                            <li>
1752                                                <a class="mega-nav-link" href="/business-finance/finance-introducers/b2b-finance/">
1753                                                    B2B Finance
1754
1755
1756                                                </a>
1757                                            </li>
1758                                            <li>
1759                                                <a class="mega-nav-link" href="/business-finance/finance-introducers/stock-finance/">
1760                                                    Stock Finance
1761
1762
1763                                                </a>
1764                                            </li>
1765                                            <li>
1766                                                <a class="mega-nav-link" href="/business-finance/finance-introducers/finance-brokers/">
1767                                                    Finance Brokers
1768
1769
1770                                                </a>
1771                                            </li>
1772                                </ul>
1773                            </div>
1774                            <div class="item item__mb">
1775                                <ul>
1776                                    <li>
1777                                        <a class="mega-nav-header-link" href="/business-finance/resource-centre/">
1778                                            Resource Centre
1779                                        </a>
1780                                    </li>
1781
1782                                            <li>
1783                                                <a class="mega-nav-link" href="/business-finance/business-finance-faqs/">
1784                                                    Business Finance FAQs
1785
1786
1787                                                </a>
1788                                            </li>
1789                                            <li>
1790                                                <a class="mega-nav-link" href="/business-finance/resource-centre/the-research-newsroom/">
1791                                                    Research newsroom
1792
1793
1794                                                </a>
1795                                            </li>
1796                                            <li>
1797                                                <a class="mega-nav-link" href="/business-finance/resource-centre/reports-and-analysis-the-lens-of-an-sme/">
1798                                                    Reports: The lens of an SME
1799
1800
1801                                                </a>
1802                                            </li>
1803                                            <li>
1804                                                <a class="mega-nav-link" href="/business-finance/resource-centre/the-sustainable-business-podcast/">
1805                                                    Sustainable Business Podcast
1806
1807
1808                                                </a>
1809                                            </li>
1810                                            <li>
1811                                                <a class="mega-nav-link" href="/business-finance/resource-centre/sustainability-toolkit/">
1812                                                    Sustainability Toolkit
1813
1814
1815                                                </a>
1816                                            </li>
1817                                            <li>
1818                                                <a class="mega-nav-link" href="/business-finance/resource-centre/case-studies/">
1819                                                    Case studies
1820
1821
1822                                                </a>
1823                                            </li>
1824                                            <li>
1825                                                <a class="mega-nav-link" href="/business-finance/resource-centre/guides-and-downloads/">
1826                                                    Guides and Downloads
1827
1828
1829                                                </a>
1830                                            </li>
1831                                            <li>
1832                                                <a class="mega-nav-link" href="/business-finance/resource-centre/business-owner-insights/">
1833                                                    Business Owner Insights
1834
1835
1836                                                </a>
1837                                            </li>
1838                                            <li>
1839                                                <a class="mega-nav-link" href="/business-finance/resource-centre/smart-business-planning/">
1840                                                    Smart Business Planning
1841
1842
1843                                                </a>
1844                                            </li>
1845                                </ul>
1846                            </div>
1847
1848                    </div>
1849                </div>
1850                <a href="#" class="c-nav__subNav-toggle" data-mega-nav="sub-nav-5476"></a>
1851                <div class="c-nav__link--sub-panel">
1852
1853                        <ul class="c-nav__subNav" role="menubar">
1854                            <li class="header" role="presentation" itemprop="name">
1855                                <a class="mega-menu-back-link">Back to main menu</a>
1856                                <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back-5476"></a>
1857                            </li>
1858
1859        <li role="presentation" itemprop="name">
1860            <a href="/business-finance/finance-products/">
1861                Finance Products
1862
1863            </a>
1864
1865                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-5981"></a>
1866        <div class="c-nav__link--sub-panel">
1867
1868                <ul class="c-nav__subNav" role="menubar">
1869                    <li class="header" role="presentation" itemprop="name">
1870                        <a class="mega-menu-back-link">Back to Finance Products</a>
1871                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
1872                    </li>
1873
1874        <li role="presentation" itemprop="name">
1875            <a href="/business-finance/project-finance/">
1876                Project Finance
1877
1878            </a>
1879
1880
1881        </li>
1882        <li role="presentation" itemprop="name">
1883            <a href="/business-finance/finance-introducers/b2b-finance/">
1884                B2B Finance
1885
1886            </a>
1887
1888
1889        </li>
1890        <li role="presentation" itemprop="name">
1891            <a href="/business-finance/finance-introducers/stock-finance/">
1892                Stock Finance
1893
1894            </a>
1895
1896
1897        </li>
1898        <li role="presentation" itemprop="name">
1899            <a href="/business-finance/finance-products/block-discounting/">
1900                Block Discounting
1901
1902            </a>
1903
1904
1905        </li>
1906        <li role="presentation" itemprop="name">
1907            <a href="/business-finance/finance-introducers/finance-brokers/">
1908                Finance Brokers
1909
1910            </a>
1911
1912
1913        </li>
1914
1915                </ul>
1916
1917        </div>
1918
1919        </li>
1920        <li role="presentation" itemprop="name">
1921            <a href="/business-finance/project-finance/">
1922                Project finance
1923
1924            </a>
1925
1926
1927        </li>
1928        <li role="presentation" itemprop="name">
1929            <a href="/business-finance/asset-finance/">
1930                Asset finance
1931
1932            </a>
1933
1934                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-6073"></a>
1935        <div class="c-nav__link--sub-panel">
1936
1937                <ul class="c-nav__subNav" role="menubar">
1938                    <li class="header" role="presentation" itemprop="name">
1939                        <a class="mega-menu-back-link">Back to Asset finance</a>
1940                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
1941                    </li>
1942
1943        <li role="presentation" itemprop="name">
1944            <a href="/business-finance/asset-finance/construction-finance/">
1945                Construction finance
1946
1947            </a>
1948
1949
1950        </li>
1951        <li role="presentation" itemprop="name">
1952            <a href="/business-finance/asset-finance/manufacturing-finance/">
1953                Manufacturing finance
1954
1955            </a>
1956
1957
1958        </li>
1959        <li role="presentation" itemprop="name">
1960            <a href="/business-finance/asset-finance/transport-finance/">
1961                Transport finance
1962
1963            </a>
1964
1965
1966        </li>
1967        <li role="presentation" itemprop="name">
1968            <a href="/business-finance/asset-finance/agriculture-finance/">
1969                Agriculture finance
1970
1971            </a>
1972
1973
1974        </li>
1975        <li role="presentation" itemprop="name">
1976            <a href="/business-finance/asset-finance/technology-finance/">
1977                Technology finance
1978
1979            </a>
1980
1981
1982        </li>
1983        <li role="presentation" itemprop="name">
1984            <a href="/business-finance/asset-finance/renewable-energy-finance/">
1985                Renewable energy finance
1986
1987            </a>
1988
1989
1990        </li>
1991        <li role="presentation" itemprop="name">
1992            <a href="/business-finance/asset-finance/healthcare-finance/">
1993                Healthcare finance
1994
1995            </a>
1996
1997
1998        </li>
1999        <li role="presentation" itemprop="name">
2000            <a href="/business-finance/asset-finance/garage-equipment-finance/">
2001                Garage equipment finance
2002
2003            </a>
2004
2005
2006        </li>
2007        <li role="presentation" itemprop="name">
2008            <a href="/business-finance/asset-finance/business-car-finance/">
2009                Business car finance
2010
2011            </a>
2012
2013
2014        </li>
2015
2016                </ul>
2017
2018        </div>
2019
2020        </li>
2021        <li role="presentation" itemprop="name">
2022            <a href="/business-finance/finance-introducers/">
2023                Finance Introducers
2024
2025            </a>
2026
2027                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-6137"></a>
2028        <div class="c-nav__link--sub-panel">
2029
2030                <ul class="c-nav__subNav" role="menubar">
2031                    <li class="header" role="presentation" itemprop="name">
2032                        <a class="mega-menu-back-link">Back to Finance Introducers</a>
2033                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2034                    </li>
2035
2036        <li role="presentation" itemprop="name">
2037            <a href="/business-finance/finance-introducers/b2b-finance/">
2038                B2B Finance
2039
2040            </a>
2041
2042
2043        </li>
2044        <li role="presentation" itemprop="name">
2045            <a href="/business-finance/finance-introducers/stock-finance/">
2046                Stock Finance
2047
2048            </a>
2049
2050
2051        </li>
2052        <li role="presentation" itemprop="name">
2053            <a href="/business-finance/finance-introducers/finance-brokers/">
2054                Finance Brokers
2055
2056            </a>
2057
2058
2059        </li>
2060
2061                </ul>
2062
2063        </div>
2064
2065        </li>
2066        <li role="presentation" itemprop="name">
2067            <a href="/business-finance/resource-centre/">
2068                Resource Centre
2069
2070            </a>
2071
2072                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-6169"></a>
2073        <div class="c-nav__link--sub-panel">
2074
2075                <ul class="c-nav__subNav" role="menubar">
2076                    <li class="header" role="presentation" itemprop="name">
2077                        <a class="mega-menu-back-link">Back to Resource Centre</a>
2078                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2079                    </li>
2080
2081        <li role="presentation" itemprop="name">
2082            <a href="/business-finance/business-finance-faqs/">
2083                Business Finance FAQs
2084
2085            </a>
2086
2087
2088        </li>
2089        <li role="presentation" itemprop="name">
2090            <a href="/business-finance/resource-centre/the-research-newsroom/">
2091                Research newsroom
2092
2093            </a>
2094
2095
2096        </li>
2097        <li role="presentation" itemprop="name">
2098            <a href="/business-finance/resource-centre/reports-and-analysis-the-lens-of-an-sme/">
2099                Reports: The lens of an SME
2100
2101            </a>
2102
2103
2104        </li>
2105        <li role="presentation" itemprop="name">
2106            <a href="/business-finance/resource-centre/the-sustainable-business-podcast/">
2107                Sustainable Business Podcast
2108
2109            </a>
2110
2111
2112        </li>
2113        <li role="presentation" itemprop="name">
2114            <a href="/business-finance/resource-centre/sustainability-toolkit/">
2115                Sustainability Toolkit
2116
2117            </a>
2118
2119
2120        </li>
2121        <li role="presentation" itemprop="name">
2122            <a href="/business-finance/resource-centre/case-studies/">
2123                Case studies
2124
2125            </a>
2126
2127
2128        </li>
2129        <li role="presentation" itemprop="name">
2130            <a href="/business-finance/resource-centre/guides-and-downloads/">
2131                Guides and Downloads
2132
2133            </a>
2134
2135
2136        </li>
2137        <li role="presentation" itemprop="name">
2138            <a href="/business-finance/resource-centre/business-owner-insights/">
2139                Business Owner Insights
2140
2141            </a>
2142
2143
2144        </li>
2145        <li role="presentation" itemprop="name">
2146            <a href="/business-finance/resource-centre/smart-business-planning/">
2147                Smart Business Planning
2148
2149            </a>
2150
2151
2152        </li>
2153
2154                </ul>
2155
2156        </div>
2157
2158        </li>
2159
2160                        </ul>
2161
2162                </div>
2163
2164        </li>
2165        <li role="presentation" class="c-nav__link active" itemprop="url">
2166            <a  href="/business-cash-flow/" target="" itemprop="name">
2167                <span>Business Cash Flow</span>
2168            </a>
2169
2170                <div class="c-nav__mega">
2171                    <div class="c-nav__mega--container">
2172
2173                            <div class="item item__mb">
2174                                <ul>
2175                                    <li>
2176                                        <a class="mega-nav-header-link" href="/business-cash-flow/solutions/">
2177                                            Business cash flow solutions
2178                                        </a>
2179                                    </li>
2180
2181                                            <li>
2182                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/quick-funding/">
2183                                                    I need funds quickly
2184
2185                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2186
2187                                                </a>
2188                                            </li>
2189                                            <li>
2190                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/growth-funding-options/">
2191                                                    I want to invest in growth
2192
2193                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2194
2195                                                </a>
2196                                            </li>
2197                                            <li>
2198                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/late-payment-solutions/">
2199                                                    I have late paying customers
2200
2201                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2202
2203                                                </a>
2204                                            </li>
2205                                            <li>
2206                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/cash-flow-management/">
2207                                                    I want to avoid future cash flow issues
2208
2209                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2210
2211                                                </a>
2212                                            </li>
2213                                            <li>
2214                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/supply-chain-finance/">
2215                                                    I import goods or need supplier support
2216
2217                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2218
2219                                                </a>
2220                                            </li>
2221                                            <li>
2222                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/business-loans/">
2223                                                    I&#x2019;m looking for a business loan
2224
2225                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2226
2227                                                </a>
2228                                            </li>
2229                                </ul>
2230                            </div>
2231                            <div class="item item__mb">
2232                                <ul>
2233                                    <li>
2234                                        <a class="mega-nav-header-link" href="/business-cash-flow/solutions/debt-financing/">
2235                                            Debt financing
2236                                        </a>
2237                                    </li>
2238
2239                                            <li>
2240                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/business-loans/">
2241                                                    Business loans
2242
2243                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2244
2245                                                </a>
2246                                            </li>
2247                                            <li>
2248                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-finance/">
2249                                                    Invoice financing
2250
2251                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2252
2253                                                </a>
2254                                            </li>
2255                                            <li>
2256                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-factoring/">
2257                                                    Invoice factoring
2258
2259                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2260
2261                                                </a>
2262                                            </li>
2263                                            <li>
2264                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-discounting/">
2265                                                    Invoice discounting
2266
2267                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2268
2269                                                </a>
2270                                            </li>
2271                                            <li>
2272                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/debt-factoring/">
2273                                                    Debt factoring
2274
2275                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2276
2277                                                </a>
2278                                            </li>
2279                                            <li>
2280                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/accounts-receivable-factoring/">
2281                                                    Accounts receivable factoring
2282
2283                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2284
2285                                                </a>
2286                                            </li>
2287                                            <li>
2288                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/spot-factoring/">
2289                                                    Spot factoring
2290
2291                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2292
2293                                                </a>
2294                                            </li>
2295                                            <li>
2296                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/reverse-factoring/">
2297                                                    Reverse factoring
2298
2299                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2300
2301                                                </a>
2302                                            </li>
2303                                            <li>
2304                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/recourse-non-recourse-factoring/">
2305                                                    Recourse &amp; non-recourse factoring
2306
2307                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2308
2309                                                </a>
2310                                            </li>
2311                                            <li>
2312                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/selective-invoice-finance/">
2313                                                    Selective invoice finance
2314
2315                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2316
2317                                                </a>
2318                                            </li>
2319                                            <li>
2320                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/development-finance/">
2321                                                    Development finance
2322
2323                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2324
2325                                                </a>
2326                                            </li>
2327                                            <li>
2328                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/project-finance/">
2329                                                    Project finance
2330
2331                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2332
2333                                                </a>
2334                                            </li>
2335                                            <li>
2336                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/revenue-based-finance/">
2337                                                    Revenue based finance
2338
2339                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2340
2341                                                </a>
2342                                            </li>
2343                                            <li>
2344                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/asset-finance/">
2345                                                    Asset finance
2346
2347                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2348
2349                                                </a>
2350                                            </li>
2351                                            <li>
2352                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/asset-finance/equipment-finance/">
2353                                                    Equipment finance
2354
2355                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2356
2357                                                </a>
2358                                            </li>
2359                                </ul>
2360                            </div>
2361                            <div class="item it
2361em__mb">
2362                                <ul>
2363                                    <li>
2364                                        <a class="mega-nav-header-link" href="/news-and-insights/business-cash-flow/what-is-equity-financing/">
2365                                            Equity financing
2366                                        </a>
2367                                    </li>
2368
2369                                            <li>
2370                                                <a class="mega-nav-link" href="/news-and-insights/business-cash-flow/what-is-angel-investment/">
2371                                                    Angel investment
2372
2373
2374                                                </a>
2375                                            </li>
2376                                            <li>
2377                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-equity-crowdfunding">
2378                                                    Equity crowdfunding
2379
2380                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2381
2382                                                </a>
2383                                            </li>
2384                                            <li>
2385                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-venture-capital">
2386                                                    Venture capital
2387
2388                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2389
2390                                                </a>
2391                                            </li>
2392                                            <li>
2393                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-an-ipo">
2394                                                    IPO
2395
2396                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2397
2398                                                </a>
2399                                            </li>
2400                                            <li>
2401                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-friends-and-family-investment">
2402                                                    Friends &amp; family investment
2403
2404                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2405
2406                                                </a>
2407                                            </li>
2408                                </ul>
2409                            </div>
2410                            <div class="item item__mb">
2411                                <ul>
2412                                    <li>
2413                                        <a class="mega-nav-header-link" href="/business-cash-flow/industries-we-support/">
2414                                            Industries we support
2415                                        </a>
2416                                    </li>
2417
2418                                            <li>
2419                                                <a class="mega-nav-link" href="/business-cash-flow/industries-we-support/construction/">
2420                                                    Construction
2421
2422
2423                                                </a>
2424                                            </li>
2425                                            <li>
2426                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/commercial-property/">
2427                                                    Commercial property
2428
2429                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2430
2431                                                </a>
2432                                            </li>
2433                                            <li>
2434                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/e-commerce/">
2435                                                    E-commerce
2436
2437                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2438
2439                                                </a>
2440                                            </li>
2441                                            <li>
2442                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/hospitality/">
2443                                                    Hospitality
2444
2445                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2446
2447                                                </a>
2448                                            </li>
2449                                            <li>
2450                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/manufacturing/">
2451                                                    Manufacturing
2452
2453                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2454
2455                                                </a>
2456                                            </li>
2457                                            <li>
2458                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/recruitment-agencies/">
2459                                                    Recruitment agencies
2460
2461                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2462
2463                                                </a>
2464                                            </li>
2465                                            <li>
2466                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/retail/">
2467                                                    Retail
2468
2469                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2470
2471                                                </a>
2472                                            </li>
2473                                            <li>
2474                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/transportation/">
2475                                                    Transportation
2476
2477                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2478
2479                                                </a>
2480                                            </li>
2481                                </ul>
2482                            </div>
2483                            <div class="item item__mb">
2484                                <ul>
2485                                    <li>
2486                                        <a class="mega-nav-header-link" href="/business-cash-flow/about-us/">
2487                                            About us
2488                                        </a>
2489                                    </li>
2490
2491                                            <li>
2492                                                <a class="mega-nav-link" href="https://www.novuna.co.uk/business-cash-flow/about-us/speak-to-an-expert/">
2493                                                    Speak to an expert
2494
2495                                                        <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2496
2497                                                </a>
2498                                            </li>
2499                                </ul>
2500                            </div>
2501
2502                    </div>
2503                </div>
2504                <a href="#" class="c-nav__subNav-toggle" data-mega-nav="sub-nav-5514"></a>
2505                <div class="c-nav__link--sub-panel">
2506
2507                        <ul class="c-nav__subNav" role="menubar">
2508                            <li class="header" role="presentation" itemprop="name">
2509                                <a class="mega-menu-back-link">Back to main menu</a>
2510                                <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back-5514"></a>
2511                            </li>
2512
2513        <li role="presentation" itemprop="name">
2514            <a href="/business-cash-flow/solutions/">
2515                Business cash flow solutions
2516
2517            </a>
2518
2519                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-8843"></a>
2520        <div class="c-nav__link--sub-panel">
2521
2522                <ul class="c-nav__subNav" role="menubar">
2523                    <li class="header" role="presentation" itemprop="name">
2524                        <a class="mega-menu-back-link">Back to Business cash flow solutions</a>
2525                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2526                    </li>
2527
2528        <li role="presentation" itemprop="name">
2529            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/quick-funding/">
2530                I need funds quickly
2531
2532                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2533            </a>
2534
2535
2536        </li>
2537        <li role="presentation" itemprop="name">
2538            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/growth-funding-options/">
2539                I want to invest in growth
2540
2541                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2542            </a>
2543
2544
2545        </li>
2546        <li role="presentation" itemprop="name">
2547            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/late-payment-solutions/">
2548                I have late paying customers
2549
2550                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2551            </a>
2552
2553
2554        </li>
2555        <li role="presentation" itemprop="name">
2556            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/cash-flow-management/">
2557                I want to avoid future cash flow issues
2558
2559                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2560            </a>
2561
2562
2563        </li>
2564        <li role="presentation" itemprop="name">
2565            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/supply-chain-finance/">
2566                I import goods or need supplier support
2567
2568                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2569            </a>
2570
2571
2572        </li>
2573        <li role="presentation" itemprop="name">
2574            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/business-loans/">
2575                I&#x2019;m looking for a business loan
2576
2577                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2578            </a>
2579
2580
2581        </li>
2582
2583                </ul>
2584
2585        </div>
2586
2587        </li>
2588        <li role="presentation" itemprop="name">
2589            <a href="/business-cash-flow/solutions/debt-financing/">
2590                Debt financing
2591
2592            </a>
2593
2594                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-8851"></a>
2595        <div class="c-nav__link--sub-panel">
2596
2597                <ul class="c-nav__subNav" role="menubar">
2598                    <li class="header" role="presentation" itemprop="name">
2599                        <a class="mega-menu-back-link">Back to Debt financing</a>
2600                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2601                    </li>
2602
2603        <li role="presentation" itemprop="name">
2604            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/business-loans/">
2605                Business loans
2606
2607                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2608            </a>
2609
2610
2611        </li>
2612        <li role="presentation" itemprop="name">
2613            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-finance/">
2614                Invoice financing
2615
2616                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2617            </a>
2618
2619
2620        </li>
2621        <li role="presentation" itemprop="name">
2622            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-factoring/">
2623                Invoice factoring
2624
2625                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2626            </a>
2627
2628
2629        </li>
2630        <li role="presentation" itemprop="name">
2631            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-discounting/">
2632                Invoice discounting
2633
2634                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2635            </a>
2636
2637
2638        </li>
2639        <li role="presentation" itemprop="name">
2640            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/debt-factoring/">
2641                Debt factoring
2642
2643                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2644            </a>
2645
2646
2647        </li>
2648        <li role="presentation" itemprop="name">
2649            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/accounts-receivable-factoring/">
2650                Accounts receivable factoring
2651
2652                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2653            </a>
2654
2655
2656        </li>
2657        <li role="presentation" itemprop="name">
2658            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/spot-factoring/">
2659                Spot factoring
2660
2661                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2662            </a>
2663
2664
2665        </li>
2666        <li role="presentation" itemprop="name">
2667            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/reverse-factoring/">
2668                Reverse factoring
2669
2670                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2671            </a>
2672
2673
2674        </li>
2675        <li role="presentation" itemprop="name">
2676            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/recourse-non-recourse-factoring/">
2677                Recourse &amp; non-recourse factoring
2678
2679                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2680            </a>
2681
2682
2683        </li>
2684        <li role="presentation" itemprop="name">
2685            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/selective-invoice-finance/">
2686                Selective invoice finance
2687
2688                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2689            </a>
2690
2691
2692        </li>
2693        <li role="presentation" itemprop="name">
2694            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/development-finance/">
2695                Development finance
2696
2697                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2698            </a>
2699
2700
2701        </li>
2702        <li role="presentation" itemprop="name">
2703            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/project-finance/">
2704                Project finance
2705
2706                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2707            </a>
2708
2709
2710        </li>
2711        <li role="presentation" itemprop="name">
2712            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/revenue-based-finance/">
2713                Revenue based finance
2714
2715                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2716            </a>
2717
2718
2719        </li>
2720        <li role="presentation" itemprop="name">
2721            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/asset-finance/">
2722                Asset finance
2723
2724                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2725            </a>
2726
2727
2728        </li>
2729        <li role="presentation" itemprop="name">
2730            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/asset-finance/equipment-finance/">
2731                Equipment finance
2732
2733                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2734            </a>
2735
2736
2737        </li>
2738
2739                </ul>
2740
2741        </div>
2742
2743        </li>
2744        <li role="presentation" itemprop="name">
2745            <a href="/news-and-insights/business-cash-flow/what-is-equity-financing/">
2746                Equity financing
2747
2748            </a>
2749
2750                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-8867"></a>
2751        <div class="c-nav__link--sub-panel">
2752
2753                <ul class="c-nav__subNav" role="menubar">
2754                    <li class="header" role="presentation" itemprop="name">
2755                        <a class="mega-menu-back-link">Back to Equity financing</a>
2756                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2757                    </li>
2758
2759        <li role="presentation" itemprop="name">
2760            <a href="/news-and-insights/business-cash-flow/what-is-angel-investment/">
2761                Angel investment
2762
2763            </a>
2764
2765
2766        </li>
2767        <li role="presentation" itemprop="name">
2768            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-equity-crowdfunding">
2769                Equity crowdfunding
2770
2771                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2772            </a>
2773
2774
2775        </li>
2776        <li role="presentation" itemprop="name">
2777            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-venture-capital">
2778                Venture capital
2779
2780                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2781            </a>
2782
2783
2784        </li>
2785        <li role="presentation" itemprop="name">
2786            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-an-ipo">
2787                IPO
2788
2789                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2790            </a>
2791
2792
2793        </li>
2794        <li role="presentation" itemprop="name">
2795            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-friends-and-family-investment">
2796                Friends &amp; family investment
2797
2798                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2799            </a>
2800
2801
2802        </li>
2803
2804                </ul>
2805
2806        </div>
2807
2808        </li>
2809        <li role="presentation" itemprop="name">
2810            <a href="/business-cash-flow/industries-we-support/">
2811                Industries we support
2812
2813            </a>
2814
2815                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-8873"></a>
2816        <div class="c-nav__link--sub-panel">
2817
2818                <ul class="c-nav__subNav" role="menubar">
2819                    <li class="header" role="presentation" itemprop="name">
2820                        <a class="mega-menu-back-link">Back to Industries we support</a>
2821                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2822                    </li>
2823
2824        <li role="presentation" itemprop="name">
2825            <a href="/business-cash-flow/industries-we-support/construction/">
2826                Construction
2827
2828            </a>
2829
2830
2831        </li>
2832        <li role="presentation" itemprop="name">
2833            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/commercial-property/">
2834                Commercial property
2835
2836                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2837            </a>
2838
2839
2840        </li>
2841        <li role="presentation" itemprop="name">
2842            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/e-commerce/">
2843                E-commerce
2844
2845                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2846            </a>
2847
2848
2849        </li>
2850        <li role="presentation" itemprop="name">
2851            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/hospitality/">
2852                Hospitality
2853
2854                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2855            </a>
2856
2857
2858        </li>
2859        <li role="presentation" itemprop="name">
2860            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/manufacturing/">
2861                Manufacturing
2862
2863                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2864            </a>
2865
2866
2867        </li>
2868        <li role="presentation" itemprop="name">
2869            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/recruitment-agencies/">
2870                Recruitment agencies
2871
2872                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2873            </a>
2874
2875
2876        </li>
2877        <li role="presentation" itemprop="name">
2878            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/retail/">
2879                Retail
2880
2881                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2882            </a>
2883
2884
2885        </li>
2886        <li role="presentation" itemprop="name">
2887            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/transportation/">
2888                Transportation
2889
2890                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2891            </a>
2892
2893
2894        </li>
2895
2896                </ul>
2897
2898        </div>
2899
2900        </li>
2901        <li role="presentation" itemprop="name">
2902            <a href="/business-cash-flow/about-us/">
2903                About us
2904
2905            </a>
2906
2907                    <a href="#" class="c-nav__subSubNav-toggle" data-mega-nav="sub-nav-8882"></a>
2908        <div class="c-nav__link--sub-panel">
2909
2910                <ul class="c-nav__subNav" role="menubar">
2911                    <li class="header" role="presentation" itemprop="name">
2912                        <a class="mega-menu-back-link">Back to About us</a>
2913                        <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back"></a>
2914                    </li>
2915
2916        <li role="presentation" itemprop="name">
2917            <a href="https://www.novuna.co.uk/business-cash-flow/about-us/speak-to-an-expert/">
2918                Speak to an expert
2919
2920                    <img src="/_res/dist/img/css-images/external-link.png" alt="External Link" />
2921            </a>
2922
2923
2924        </li>
2925
2926                </ul>
2927
2928        </div>
2929
2930        </li>
2931
2932                        </ul>
2933
2934                </div>
2935
2936        </li>
2937        <li role="presentation" class="c-nav__link " itemprop="url">
2938            <a  href="/personal-finance/" target="" itemprop="name">
2939                <span>Personal Finance</span>
2940            </a>
2941
2942
2943        </li>
2944        <li role="presentation" class="c-nav__link " itemprop="url">
2945            <a  href="/vehicle-solutions/" target="" itemprop="name">
2946                <span>Vehicle Solutions</span>
2947            </a>
2948
2949
2950        </li>
2951        <li role="presentation" class="c-nav__link " itemprop="url">
2952            <a  href="/sustainability/" target="" itemprop="name">
2953                <span>Sustainability</span>
2954            </a>
2955
2956                <div class="c-nav__mega">
2957                    <div class="c-nav__mega--container">
2958
2959                            <div class="item ">
2960                                <ul>
2961                                    <li>
2962                                        <a class="mega-nav-header-link" href="/sustainability/decarbonisation-and-green-assets/">
2963                                            Decarbonisation and Green Assets
2964                                        </a>
2965                                    </li>
2966
2967                                </ul>
2968                            </div>
2969                            <div class="item ">
2970                                <ul>
2971                                    <li>
2972                                        <a class="mega-nav-header-link" href="/sustainability/governance/">
2973                                            Governance
2974                                        </a>
2975                                    </li>
2976
2977                                </ul>
2978                            </div>
2979
2980                    </div>
2981                </div>
2982                <a href="#" class="c-nav__subNav-toggle" data-mega-nav="sub-nav-5568"></a>
2983                <div class="c-nav__link--sub-panel">
2984
2985                        <ul class="c-nav__subNav" role="menubar">
2986                            <li class="header" role="presentation" itemprop="name">
2987                                <a class="mega-menu-back-link">Back to main menu</a>
2988                                <a href="#" class="c-nav__subSubNav-header" data-mega-sub-back="sub-nav-back-5568"></a>
2989                            </li>
2990
2991        <li role="presentation" itemprop="name">
2992            <a href="/sustainability/decarbonisation-and-green-assets/">
2993                Decarbonisation and Green Assets
2994
2995            </a>
2996
2997
2998        </li>
2999        <li role="presentation" itemprop="name">
3000            <a href="/sustainability/governance/">
3001                Governance
3002
3003            </a>
3004
3005
3006        </li>
3007
3008                        </ul>
3009
3010                </div>
3011
3012        </li>
3013        <li role="presentation" class="c-nav__link " itemprop="url">
3014            <a  href="https://careers.novuna.co.uk/" target="_blank" itemprop="name">
3015                <span>Careers</span>
3016            </a>
3017
3018
3019        </li>
3020
3021
3022            <li itemprop="url" role="presentation" class="c-nav__global-link c-nav__link">
3023                <a itemprop="name" href="/news-and-insights/" >News &amp; Insights</a>
3024            </li>
3025            <li itemprop="url" role="presentation" class="c-nav__global-link c-nav__link">
3026                <a itemprop="name" href="/contact-us/" >Contact us</a>
3027            </li>
3028
3029                    </ul>
3030                </nav>
3031        </div>
3032    </div>
3033            <div class="u-backgroundColor--brandDarker">
3034                <div class="o-container">
3035                    <nav aria-label="Section Sub" class="c-header__page-nav">
3036                        <ul itemscope="" itemtype="http://schema.org/SiteNavigationElement" 
3036class="c-page-subnav c-page-subnav__dropdown">
3037                                    <li itemprop="url" role="presentation" class="c-page-subnav__link active hasSubNav">
3038                                        <a itemprop="name" data-qa="Business cash flow solutions" href="/business-cash-flow/solutions/">
3039                                            Business cash flow solutions
3040
3041                                                    <span class="c-nav__subNav-chevron"></span>
3042                                        </a>
3043                                                <ul class="c-nav__subNav-desktop" role="menubar" id="sub-nav-8843">
3044                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3045                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/quick-funding/" itemprop="name">
3046                                                                <span>I need funds quickly</span>
3047                                                            </a>
3048                                                        </li>
3049                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3050                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/growth-funding-options/" itemprop="name">
3051                                                                <span>I want to invest in growth</span>
3052                                                            </a>
3053                                                        </li>
3054                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3055                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/late-payment-solutions/" itemprop="name">
3056                                                                <span>I have late paying customers</span>
3057                                                            </a>
3058                                                        </li>
3059                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3060                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/cash-flow-management/" itemprop="name">
3061                                                                <span>I want to avoid future cash flow issues</span>
3062                                                            </a>
3063                                                        </li>
3064                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3065                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/supply-chain-finance/" itemprop="name">
3066                                                                <span>I import goods or need supplier support</span>
3067                                                            </a>
3068                                                        </li>
3069                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3070                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/business-loans/" itemprop="name">
3071                                                                <span>I&#x2019;m looking for a business loan</span>
3072                                                            </a>
3073                                                        </li>
3074                                                </ul>
3075                                    </li>
3076                                    <li itemprop="url" role="presentation" class="c-page-subnav__link  hasSubNav">
3077                                        <a itemprop="name" data-qa="Debt financing" href="/business-cash-flow/solutions/debt-financing/">
3078                                            Debt financing
3079
3080                                                    <span class="c-nav__subNav-chevron"></span>
3081                                        </a>
3082                                                <ul class="c-nav__subNav-desktop" role="menubar" id="sub-nav-8851">
3083                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3084                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/business-loans/" itemprop="name">
3085                                                                <span>Business loans</span>
3086                                                            </a>
3087                                                        </li>
3088                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3089                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-finance/" itemprop="name">
3090                                                                <span>Invoice financing</span>
3091                                                            </a>
3092                                                        </li>
3093                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3094                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-factoring/" itemprop="name">
3095                                                                <span>Invoice factoring</span>
3096                                                            </a>
3097                                                        </li>
3098                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3099                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-discounting/" itemprop="name">
3100                                                                <span>Invoice discounting</span>
3101                                                            </a>
3102                                                        </li>
3103                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3104                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/debt-factoring/" itemprop="name">
3105                                                                <span>Debt factoring</span>
3106                                                            </a>
3107                                                        </li>
3108                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3109                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/accounts-receivable-factoring/" itemprop="name">
3110                                                                <span>Accounts receivable factoring</span>
3111                                                            </a>
3112                                                        </li>
3113                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3114                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/spot-factoring/" itemprop="name">
3115                                                                <span>Spot factoring</span>
3116                                                            </a>
3117                                                        </li>
3118                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3119                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/reverse-factoring/" itemprop="name">
3120                                                                <sp
3120an>Reverse factoring</span>
3121                                                            </a>
3122                                                        </li>
3123                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3124                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/recourse-non-recourse-factoring/" itemprop="name">
3125                                                                <span>Recourse &amp; non-recourse factoring</span>
3126                                                            </a>
3127                                                        </li>
3128                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3129                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/selective-invoice-finance/" itemprop="name">
3130                                                                <span>Selective invoice finance</span>
3131                                                            </a>
3132                                                        </li>
3133                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3134                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/development-finance/" itemprop="name">
3135                                                                <span>Development finance</span>
3136                                                            </a>
3137                                                        </li>
3138                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3139                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/project-finance/" itemprop="name">
3140                                                                <span>Project finance</span>
3141                                                            </a>
3142                                                        </li>
3143                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3144                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/revenue-based-finance/" itemprop="name">
3145                                                                <span>Revenue based finance</span>
3146                                                            </a>
3147                                                        </li>
3148                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3149                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/asset-finance/" itemprop="name">
3150                                                                <span>Asset finance</span>
3151                                                            </a>
3152                                                        </li>
3153                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3154                                                            <a href="https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/asset-finance/equipment-finance/" itemprop="name">
3155                                                                <span>Equipment finance</span>
3156                                                            </a>
3157                                                        </li>
3158                                                </ul>
3159                                    </li>
3160                                    <li itemprop="url" role="presentation" class="c-page-subnav__link  hasSubNav">
3161                                        <a itemprop="name" data-qa="Equity financing" href="/news-and-insights/business-cash-flow/what-is-equity-financing/">
3162                                            Equity financing
3163
3164                                                    <span class="c-nav__subNav-chevron"></span>
3165                                        </a>
3166                                                <ul class="c-nav__subNav-desktop" role="menubar" id="sub-nav-8867">
3167                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3168                                                            <a href="/news-and-insights/business-cash-flow/what-is-angel-investment/" itemprop="name">
3169                                                                <span>Angel investment</span>
3170                                                            </a>
3171                                                        </li>
3172                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3173                                                            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-equity-crowdfunding" itemprop="name">
3174                                                                <span>Equity crowdfunding</span>
3175                                                            </a>
3176                                                        </li>
3177                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3178                                                            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-venture-capital" itemprop="name">
3179                                                                <span>Venture capital</span>
3180                                                            </a>
3181                                                        </li>
3182                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3183                                                            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-an-ipo" itemprop="name">
3184                                                                <span>IPO</span>
3185                                                            </a>
3186                                                        </li>
3187                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3188                                                            <a href="https://www.novuna.co.uk/news-and-insights/business-cash-flow/what-is-friends-and-family-investment" itemprop="name">
3189                                                                <span>Friends &amp; family investment</span>
3190                                                            </a>
3191                                                        </li>
3192                                                </ul>
3193                                    </li>
3194                                    <li itemprop="url" role="presentation" class="c-page-subnav__link  hasSubNav">
3195                                        <a itemprop="name" data-qa="Industries we support" href="/business-cash-flow/industries-we-support/">
3196                                            Industries we support
3197
3198                                                    <span class="c-nav__subNav-chevron"></span>
3199                                        </a>
3200                                                <ul class="c-nav__subNav-desktop" role="menubar" id="sub-nav-8873">
3201                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3202                                                            <a href="/business-cash-flow/industries-we-support/construction/" itemprop="name">
3203                                                                <span>Construction</span>
3204                                                            </a>
3205                                                        </li>
3206                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3207                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/commercial-property/" itemprop="name">
3208                                                                <sp
3208an>Commercial property</span>
3209                                                            </a>
3210                                                        </li>
3211                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3212                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/e-commerce/" itemprop="name">
3213                                                                <span>E-commerce</span>
3214                                                            </a>
3215                                                        </li>
3216                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3217                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/hospitality/" itemprop="name">
3218                                                                <span>Hospitality</span>
3219                                                            </a>
3220                                                        </li>
3221                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3222                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/manufacturing/" itemprop="name">
3223                                                                <span>Manufacturing</span>
3224                                                            </a>
3225                                                        </li>
3226                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3227                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/recruitment-agencies/" itemprop="name">
3228                                                                <span>Recruitment agencies</span>
3229                                                            </a>
3230                                                        </li>
3231                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3232                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/retail/" itemprop="name">
3233                                                                <span>Retail</span>
3234                                                            </a>
3235                                                        </li>
3236                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3237                                                            <a href="https://www.novuna.co.uk/business-cash-flow/industries-we-support/transportation/" itemprop="name">
3238                                                                <span>Transportation</span>
3239                                                            </a>
3240                                                        </li>
3241                                                </ul>
3242                                    </li>
3243                                    <li itemprop="url" role="presentation" class="c-page-subnav__link  hasSubNav">
3244                                        <a itemprop="name" data-qa="About us" href="/business-cash-flow/about-us/">
3245                                            About us
3246
3247                                                    <span class="c-nav__subNav-chevron"></span>
3248                                        </a>
3249                                                <ul class="c-nav__subNav-desktop" role="menubar" id="sub-nav-8882">
3250                                                        <li role="presentation" class="c-nav__link " itemprop="url">
3251                                                            <a href="https://www.novuna.co.uk/business-cash-flow/about-us/speak-to-an-expert/" itemprop="name">
3252                                                                <sp
3252an>Speak to an expert</span>
3253                                                            </a>
3254                                                        </li>
3255                                                </ul>
3256                                    </li>
3257                        </ul>
3258                    </nav>
3259                </div>
3260            </div>
3261</header>
3262
3263
3264
3265    <aside class="c-stickywidget c-stickywidget--2">
3266    <input type="radio" name="stickywidget__item" class="c-stickywidget__radio c-stickywidget__radio--close" id="close" aria-controls="close" checked />
3267    <input type="radio" name="stickywidget__item" class="c-stickywidget__radio" id="stickywidget__item1bafca93-98d8-4454-8c44-5738dd9ec296" aria-controls="stickywidget__item1bafca93-98d8-4454-8c44-5738dd9ec296">
3268    <div class="c-stickywidget__item">
3269        <label class="c-stickywidget__icon c-stickywidget__icon--tab c-stickywidget__icon--71dc99" for="stickywidget__item1bafca93-98d8-4454-8c44-5738dd9ec296" title="Contact us">
3270            <span class="c-stickywidget__icon-image c-stickywidget__icon-image--call"></span>
3271        </label>
3272        <div class="c-stickywidget__content">
3273            <h4 class="c-stickywidget__title c-stickywidget__title--71dc99 ">
3274                <span class="c-stickywidget__icon">
3275                    <span class="c-stickywidget__icon-image c-stickywidget__icon-image--call"></span>
3276                </span>
3277                <span class="c-stickywidget__title-text">
3278                    Contact us
3279                </span>
3280                <label class="c-stickywidget__icon c-stickywidget__icon--close-icon" for="close" title="Close">
3281                    <span class="gi-icon-arrow-right c-stickywidget__icon-glyph"></span>
3282                </label>
3283            </h4>
3284            <div class="c-stickywidget__text">
3285                <p>For more information please click below to call us</p>
3286<p><strong><a style="color: #fff;" href="tel:01952956920" class="InfinityNumber">01952 956920</a></strong></p>
3287<p>08:45 - 17:15 Monday to Thursday<br>08:45 - 16:45 Friday</p>
3288            </div>
3289        </div>
3290    </div>
3291    <input type="radio" name="stickywidget__item" class="c-stickywidget__radio c-stickywidget__radio--close" id="close" aria-controls="close" checked />
3292    <input type="radio" name="stickywidget__item" class="c-stickywidget__radio" id="stickywidget__item5f2c781f-5ddc-4cae-8a8e-30515395c571" aria-controls="stickywidget__item5f2c781f-5ddc-4cae-8a8e-30515395c571">
3293    <div class="c-stickywidget__item">
3294        <label class="c-stickywidget__icon c-stickywidget__icon--tab c-stickywidget__icon--3d0061" for="stickywidget__item5f2c781f-5ddc-4cae-8a8e-30515395c571" title="Email us">
3295            <span class="c-stickywidget__icon-image c-stickywidget__icon-image--email"></span>
3296        </label>
3297        <div class="c-stickywidget__content">
3298            <h4 class="c-stickywidget__title c-stickywidget__title--3d0061 ">
3299                <span class="c-stickywidget__icon">
3300                    <span class="c-stickywidget__icon-image c-stickywidget__icon-image--email"></span>
3301                </span>
3302                <span class="c-stickywidget__title-text">
3303                    Email us
3304                </span>
3305                <label class="c-stickywidget__icon c-stickywidget__icon--close-icon" for="close" title="Close">
3306                    <span class="gi-icon-arrow-right c-stickywidget__icon-glyph"></span>
3307                </label>
3308            </h4>
3309            <div class="c-stickywidget__text">
3310                <p>For more information please email us at the below address and someone will respond to your enquiry within 48 hours</p>
3311<p class="blue size17"><strong><a style="font-size: 13px;" rel="noopener" href="mailto:[email protected]" target="_blank">[email protected]</a></strong></p>
3312            </div>
3313        </div>
3314    </div>
3315    </aside>
3316
3317
3318    <main id="main" class="">
3319
3320        <section class="u-grid u-max-width-full u-m-auto ">
3321
3322<div class="o-container c-breadcrumb--container">
3323    <nav class="c-breadcrumb">
3324
3325            <ul class="hidden u-display--block-md"
3326                itemscope
3327                itemtype="http://schema.org/BreadcrumbList">
3328
3329                        <li itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem" class="c-breadcrumb__item">
3330                            <a itemprop="item" href="/">
3331                                Home
3332                                <meta itemprop="name" content="Home">
3333                            </a>
3334                            <meta itemprop="position" content="1">
3335                            <span class="gi-icon-arrow-right"></span>
3336                        </li>
3337                        <li itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem" class="c-breadcrumb__item">
3338                            <a itemprop="item" href="/business-cash-flow/">
3339                                Business Cash Flow
3340                                <meta itemprop="name" content="Business Cash Flow">
3341                            </a>
3342                            <meta itemprop="position" content="2">
3343                            <span class="gi-icon-arrow-right"></span>
3344                        </li>
3345                        <li itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem" class="c-breadcrumb__item">
3346                            <a itemprop="item" href="/business-cash-flow/solutions/">
3347                                Solutions
3348                                <meta itemprop="name" content="Solutions">
3349                            </a>
3350                            <meta itemprop="position" content="3">
3351                            <span class="gi-icon-arrow-right"></span>
3352                        </li>
3353                        <li itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem" class="c-breadcrumb__item">
3354                            <a itemprop="item" href="/business-cash-flow/solutions/debt-financing/">
3355                                Debt financing
3356                                <meta itemprop="name" content="Debt financing">
3357                            </a>
3358                            <meta itemprop="position" content="4">
3359                            <span class="gi-icon-arrow-right"></span>
3360                        </li>
3361                        <li itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem" class="c-breadcrumb__item">
3362                            <span>
3363                                Accounts receivable factoring
3364
3365                                    <meta itemprop="name" content="Accounts receivable factoring">
3366                                    <meta itemprop="position" content="5">
3367                            </span>
3368                        </li>
3369            </ul>
3370                <ul class="u-display--hidden-md">
3371                    <li class="c-breadcrumb__item c-breadcrumb__item--back">
3372                        <a href="/business-cash-flow/solutions/debt-financing/"><span class="gi-icon-arrow-left"></span><span>Back to Debt financing</span></a>
3373                    </li>
3374                </ul>
3375
3376    </nav>
3377</div>
3378
3379        </section>
3380
3381        
3382
3383            <div class="c-page-container">
3384                
3385
3386
3387<section>
3388    <div class="grid-section">
3389
3390
3391<section class="u-backgroundColor--neutralLighter o-section-full u-p-30 ">
3392    <div class="o-container">
3393        <div class="o-row">
3394                <div class="o-col-xs-12 o-col-sm-12 o-col-lg-6">
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3396
3397        <section class="">
3398            
3399<div class="cms-rich-text-container">
3400    
3401</div>
3402
3403        </section>
3404        <section class="">
3405            
3406<div class="cms-rich-text-container">
3407    
3408</div>
3409
3410        </section>
3411        <section class="">
3412            
3413
3414<section class="video">
3415
3416    <div class="video__video video__video--width-full">
3417
3418                <div class="video-wrap">
3419                    <lite-youtube videoid="XC7KjflYqK0"></lite-youtube>
3420                </div>
3421
3422    </div>
3423
3424
3425</section>
3426
3427
3428
3429        </section>
3430
3431                </div>
3432                <div class="o-col-xs-12 o-col-sm-12 o-col-lg-6">
3433                    
3434
3435        <section class="">
3436            
3437<div class="cms-rich-text-container">
3438    
3439</div>
3440
3441        </section>
3442        <section class="">
3443            
3444<div class="cms-rich-text-container">
3445    
3446</div>
3447
3448        </section>
3449        <section class="">
3450            
3451<div class="cms-rich-text-container">
3452    <h1 class="light"><span class="u-color--purple">Accounts receivable factoring</span></h1>
3453</div>
3454
3455        </section>
3456        <section class="">
3457            
3458<div class="cms-rich-text-container">
3459    <ul class="o-list o-list__core-style">
3460<li>
3461<h4><strong>Cash flow challenge: </strong>I need to unlock cash tied up in unpaid invoices.</h4>
3462</li>
3463<li>
3464<h4><strong>Perfect for</strong>: Businesses that invoice other businesses and want to improve cash flow while outsourcing collections.
3464</h4>
3465</li>
3466</ul>
3467<p style="text-align: left;">Novuna helps you compare accounts receivable factoring providers, apply with expert support and secure finance that grows with your business.<strong><br></strong></p>
3468<p style="text-align: left;"> </p>
3469</div>
3470
3471        </section>
3472
3473                </div>
3474        </div>
3475    </div>
3476</section>
3477
3478<section class="u-backgroundColor--white p-lg">
3479    <div class="o-container">
3480        <div class="o-row">
3481                <div class="o-col-xs-12 o-col-sm-12 o-col-lg-6">
3482                    
3483
3484        <section class="">
3485            
3486<div class="cms-rich-text-container">
3487    
3488</div>
3489
3490        </section>
3491        <section class="m-0 pl-sm">
3492            
3493<div class="cms-rich-text-container">
3494    <h2 class="purple weightLight" style="padding-top: 20px;">Compare accounts receivable factoring quotes compiled by the multi-award winning Novuna Business Cash Flow</h2>
3495<h2>Get paid in 24 hours if needed</h2>
3496<ul>
3497<li class="cms-rich-text-container">
3498<h3>Rates from 0.5%</h3>
3499</li>
3500<li class="cms-rich-text-container">
3501<h3>Same day funding available</h3>
3502</li>
3503<li class="cms-rich-text-container">
3504<h3>Get up to 100% of invoice value</h3>
3505</li>
3506<li class="cms-rich-text-container">
3507<h3>Expert help to guide you through the process</h3>
3508</li>
3509</ul>
3510</div>
3511
3512        </section>
3513        <section class="">
3514            
3515<div class="cms-rich-text-container">
3516    <p><a href="https://www.feefo.com/en-GB/reviews/novuna-business-cash-flow"> <img style="max-width: 100%; height: auto; display: block;" src="/media/5drdcpiw/bcf-feefo.png?rmode=max&amp;width=500" alt="Feefo reviews for Novuna Business Cash Flow"> </a></p>
3517</div>
3518
3519        </section>
3520
3521                </div>
3522                <div class="o-col-xs-12 o-col-sm-12 o-col-lg-6">
3523                    
3524
3525        <section class="">
3526            <div class="c-form__leadcapture u-backgroundColor--neutralLight u-has-bg-icon">
3527        <span class="o-icon__bg o-icon__bg--top-right o-icon__bg--mid o-icon__bg--tilt-left gi-icon-message"></span>
3528
3529    <div id="getaquote" style="display: block; height: 10px; margin-top: 10px;"></div>
3530<h2 class="purple light" style="text-align: left;">Compare quotes from the top UK lenders in minutes</h2>
3531    <p>We'll compare the best cash flow finance options available to make sure you get you the best deal.</p>
3532
3533
3534
3535
3536
3537
3538
3539
3540    <div id="umbraco_form_f2d3c933fa864fb6953939f84f875bf1" class="umbraco-forms-form bcfcompareproductsforminvoicefinance umbraco-forms-HitachiForm">
3541
3542<form action="/business-cash-flow/solutions/debt-financing/accounts-receivable-factoring/" enctype="multipart/form-data" id="formff725803726c4a158dc5797fa3c0d9ae" method="post"><input data-val="true" data-val-required="The FormId field is required." name="FormId" type="hidden" value="f2d3c933-fa86-4fb6-9539-39f84f875bf1" /><input data-val="true" data-val-required="The FormName field is required." name="FormName" type="hidden" value="BCF - Compare Products Form - Invoice Finance" /><input data-val="true" data-val-required="The RecordId field is required." name="RecordId" type="hidden" value="00000000-0000-0000-0000-000000000000" /><input name="PreviousClicked" type="hidden" value="" /><input name="Theme" type="hidden" value="HitachiForm" />            <input type="hidden" name="FormStep" value="0" />
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3544
3545
3546
3547<div class="c-forms__page umbraco-forms-page">
3548    <div class="o-row">
3549        <div class="o-col-md-12">
3550
3551                <fieldset class="umbraco-forms-fieldset" id="ed6b9318-18b2-463f-9f0a-d170b01cec68">
3552
3553
3554                    <div class="o-row">
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3556                            <div class="o-col-md-12 umbraco-forms-container">
3557
3558                                        <div class="o-form-group  umbraco-forms-field whatisyourapproximateannualturnover shortanswer" >
3559
3560                                                                    <label for="847dc2aa-c723-40d5-b949-c2057520e825" class="o-label">
3561                                                    What is your approximate annual turnover? (&#xA3;)                                                                     </label>
3562                                                            <div class="umbraco-forms-field-wrapper">
3563                                                                <div class=" ">
3564                                                    
3565<input type="text" name="847dc2aa-c723-40d5-b949-c2057520e825" id="847dc2aa-c723-40d5-b949-c2057520e825" class="text o-input" value="" maxlength="500"
3566data-val="true" data-val-regex="Please enter a valid number. For example, if your turnover is &#xA3;500k, enter 500000." data-regex="^[0-9]*$"/>
3567
3568                                                                </div>
3569
3570<span class="field-validation-valid" data-valmsg-for="847dc2aa-c723-40d5-b949-c2057520e825" data-valmsg-replace="true"></span>
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3572
3573
3574                                                        </div>
3575                                        <div class="o-form-group  umbraco-forms-field whatisthenameofyourbusiness shortanswer mandatory alternating" >
3576
3577                                                                    <label for="966053e9-48f6-4618-bbd0-a5fe68437e9c" class="o-label">
3578                                                    What is the name of your business?                                                                                 <span class="o-indicator">*</span>
3579                                                                    </label>
3580                                                            <div class="umbraco-forms-field-wrapper">
3581                                                                <div class=" ">
3582                                                    
3583<input type="text" name="966053e9-48f6-4618-bbd0-a5fe68437e9c" id="966053e9-48f6-4618-bbd0-a5fe68437e9c" class="text o-input" value="" maxlength="500"
3584data-val="true" data-val-required="Please provide a value for What is the name of your business?"/>
3585
3586                                                                </div>
3587
3588<span class="field-validation-valid" data-valmsg-for="966053e9-48f6-4618-bbd0-a5fe68437e9c" data-valmsg-replace="true"></span>
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3595                                                                    <label for="8e175d4f-6515-472a-bab4-6df8c906d4a7" class="o-label">
3596                                                    What is your first name?                                                                                 <span class="o-indicator">*</span>
3597                                                                    </label>
3598                                                            <div class="umbraco-forms-field-wrapper">
3599                                                                <div class=" ">
3600                                                    
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3602    <input type="text" name="8e175d4f-6515-472a-bab4-6df8c906d4a7" id="8e175d4f-6515-472a-bab4-6df8c906d4a7" data-umb="8e175d4f-6515-472a-bab4-6df8c906d4a7" data-ga-field-type="name" class="text o-input" value="" maxlength="255"
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3604
3605
3606                                                                </div>
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3616                                                    What is your last name?                                                                                 <span class="o-indicator">*</span>
3617                                                                    </label>
3618                                                            <div class="umbraco-forms-field-wrapper">
3619                                                                <div class=" ">
3620                                                    
3621
3622    <input type="text" name="6d8e1008-cf1c-4a2c-eeea-1c84b038e8f0" id="6d8e1008-cf1c-4a2c-eeea-1c84b038e8f0" data-umb="6d8e1008-cf1c-4a2c-eeea-1c84b038e8f0" data-ga-field-type="last name" class="text o-input" value="" maxlength="255"
3623            data-val="true"  data-val-required="Please provide a value for What is your last name?"  />
3624
3625
3626                                                                </div>
3627
3628<span class="field-validation-valid" data-valmsg-for="6d8e1008-cf1c-4a2c-eeea-1c84b038e8f0" data-valmsg-replace="true"></span>
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3631
3632                                                        </div>
3633                                        <div class="o-form-group  umbraco-forms-field emailaddress datalayerfieldtypes mandatory" >
3634
3635                                                                    <label for="fb20901e-c4a6-4760-bca3-3878b95d8d65" class="o-label">
3636                                                    What is your email address?                                                                                 <sp
3636an class="o-indicator">*</span>
3637                                                                    </label>
3638                                                            <div class="umbraco-forms-field-wrapper">
3639                                                                <div class=" ">
3640                                                    
3641
3642    <input type="text" name="fb20901e-c4a6-4760-bca3-3878b95d8d65" id="fb20901e-c4a6-4760-bca3-3878b95d8d65" data-umb="fb20901e-c4a6-4760-bca3-3878b95d8d65" data-ga-field-type="email" class="text o-input" value="" maxlength="255"
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3644
3645
3646                                                                </div>
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3651
3652                                                        </div>
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3654
3655                                                                    <label for="0434af63-935e-4956-b845-77d9c27cbb51" class="o-label">
3656                                                    What is your phone number?                                                                                 <span class="o-indicator">*</span>
3657                                                                    </label>
3658                                                            <div class="umbraco-forms-field-wrapper">
3659                                                                <div class=" ">
3660                                                    
3661
3662    <input type="text" name="0434af63-935e-4956-b845-77d9c27cbb51" id="0434af63-935e-4956-b845-77d9c27cbb51" data-umb="0434af63-935e-4956-b845-77d9c27cbb51" data-ga-field-type="phone number" class="text o-input" value="" maxlength="255"
3663            data-val="true"  data-val-required="Please provide a value for What is your phone number?"  data-val-regex="Please provide a valid value for What is your phone number?" data-val-regex-pattern="^[0-9]*$"  />
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3665
3666                                                                </div>
3667
3668<span class="field-validation-valid" data-valmsg-for="0434af63-935e-4956-b845-77d9c27cbb51" data-valmsg-replace="true"></span>
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3671
3672                                                        </div>
3673                                        <div class="o-form-group  umbraco-forms-field wheredidyouhearaboutus shortanswer" >
3674
3675                                                                    <label for="18598e14-6448-4780-f0d1-db5cade06e53" class="o-label">
3676                                                    Where did you hear about us?                                                                     </label>
3677                                                            <div class="umbraco-forms-field-wrapper">
3678                                                                <div class=" ">
3679                                                    
3680<input type="text" name="18598e14-6448-4780-f0d1-db5cade06e53" id="18598e14-6448-4780-f0d1-db5cade06e53" class="text o-input" value="" maxlength="500"
3681/>
3682
3683                                                                </div>
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3685<span class="field-validation-valid" data-valmsg-for="18598e14-6448-4780-f0d1-db5cade06e53" data-valmsg-replace="true"></span>
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3688
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3881
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3883        </section>
3884
3885                </div>
3886        </div>
3887    </div>
3888</section>
3889
3890<section class="u-backgroundColor--neutralLighter o-section-full p-lg">
3891    <div class="o-container">
3892        <div class="o-row">
3893                <div class="o-col-xs-12">
3894                    
3895                </div>
3896        </div>
3897    </div>
3898</section>
3899
3900<section class="u-backgroundColor--white p-lg">
3901    <div class="o-container">
3902        <div class="o-row">
3903                <div class="o-col-xs-12">
3904                    
3905
3906        <section class="">
3907            
3908<div class="cms-rich-text-container">
3909    <h3 class="light" style="text-align: center;"><span class="u-color--purple">Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.</span></h3>
3910<p style="text-align: center;">Call us on&nbsp;<a href="tel:02046321977"><strong>020 4632 1977</strong></a>&nbsp;to speak to a real cash flow expert. We’ll help you apply for the right type of finance and make sure you get a great deal for your business.</p>
3911<p style="text-align: center;">Or click '<strong>Boost your cash flow'</strong> below to compare providers.</p>
3912</div>
3913
3914        </section>
3915        <section class="">
3916            
3917<div class="cms-rich-text-container">
3918    <p style="text-align: center;"><a style="margin-top: 15px;" href="#form" title="Quote" class="o-btn o-btn--secondary"><strong>Boost your cash flow</strong></a> <a style="text-align: left;" href="/business-cash-flow/about-us/speak-to-an-expert/" title="Speak to an expert" class="o-btn o-btn--primary">Speak to an expert</a></p>
3919</div>
3920
3921        </section>
3922
3923                </div>
3924        </div>
3925    </div>
3926</section>
3927
3928<section class="u-backgroundColor--neutralLighter o-section-full p-lg">
3929    <div class="o-container">
3930        <div class="o-row">
3931                <div class="o-col-xs-12">
3932                    
3933                </div>
3934        </div>
3935    </div>
3936</section>
3937
3938<section class="u-backgroundColor--neutralLighter o-section-full p-lg">
3939    <div class="o-container">
3940        <div class="o-row">
3941                <div class="o-col-xs-12">
3942                    
3943                </div>
3944        </div>
3945    </div>
3946</section>
3947
3948<div class="cms-rich-text-container">
3949    
3950</div>
3951
3952<section class="White Full width Remove top margin Padding 30px">
3953    <div class="o-container">
3954        <div class="o-row">
3955                <div class="o-col-xs-12 o-col-md-4 o-col-lg-4">
3956                    
3957
3958        <section class="">
3959            
3960<div class="c-subNav">
3961        <h3 class="c-subNav__title">Related funding options</h3>
3962
3963    <a href="#" data-nav-control="c-subNav_326b08f2-ab25-4b83-b0e9-271e2fdf29f1" data-nav-type="sub" class="c-subNav__toggleControl">
3964        Pages in this Section
3965        <span class="icon gi-icon-arrow-down"></span>
3966    </a>
3967
3968    <nav aria-label="page subnavigation">
3969        <ul role="menu" id="c-subNav_326b08f2-ab25-4b83-b0e9-271e2fdf29f1">
3970                <li role="presentation">
3971                        <a href="/business-cash-flow/solutions/debt-financing/invoice-discounting/"  class="c-subNav__item">
3972                            Invoice discounting
3973                        </a>
3974                </li>
3975                <li role="presentation">
3976                        <a href="/business-cash-flow/solutions/debt-financing/spot-factoring/"  class="c-subNav__item">
3977                            Spot factoring
3978                        </a>
3979                </li>
3980                <li role="presentation">
3981                        <a href="/business-cash-flow/solutions/debt-financing/selective-invoice-finance/"  class="c-subNav__item">
3982                            Selective invoice finance
3983                        </a>
3984                </li>
3985                <li role="presentation">
3986                        <a href="/business-cash-flow/solutions/debt-financing/debt-factoring/"  class="c-subNav__item">
3987                            Debt factoring
3988                        </a>
3989                </li>
3990                <li role="presentation">
3991                        <a href="/business-cash-flow/solutions/debt-financing/"  class="c-subNav__item">
3992                            Back to all debt financing solutions
3993                        </a>
3994                </li>
3995        </ul>
3996
3997    </nav>
3998</div>
3999
4000        </section>
4001
4002                </div>
4003                <div class="o-col-xs-12 o-col-md-8 o-col-lg-8">
4004                    
4005
4006        <section class="">
4007            
4008<div class="cms-rich-text-container">
4009    <h2 class="light" style="text-align: left;"><span class="u-color--purple">What is accounts receivable factoring?</span></h2>
4010<p dir="ltr">Accounts receivable factoring allows your business to sell unpaid invoices to a third-party finance provider (known as a factor) in exchange for immediate working c
4010apital.</p>
4011<p dir="ltr">You’ll typically receive up to 90% of the invoice value upfront, with the remaining balance (minus fees) paid once your customer settles the invoice. The factoring company also takes responsibility for collecting payment giving you more time to focus on running your business.</p>
4012<p dir="ltr">In most cases, this process is the same as invoice factoring or debt factoring. The term ‘accounts receivable factoring’ is often used in accounting software, procurement, or international trade especially in North America.</p>
4013</div>
4014
4015        </section>
4016        <section class="pt-sm">
4017            
4018<div class="cms-rich-text-container">
4019    <h2 class="light" style="text-align: left;"><span class="u-color--purple">How it works with Novuna Business Cash Flow</span></h2>
4020<ol>
4021<li aria-level="1">
4022<p dir="ltr">Tell us your funding challenge - complete a short form or call</p>
4023</li>
4024<li aria-level="1">
4025<p dir="ltr">We compare providers and recommend a great fit for your situation</p>
4026</li>
4027<li aria-level="1">
4028<p dir="ltr">You apply with full support from a cash flow expert</p>
4029</li>
4030<li aria-level="1">
4031<p dir="ltr">Access funds fast, often within 24-72 hours</p>
4032</li>
4033</ol>
4034<p><strong>Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.</strong></p>
4035</div>
4036
4037        </section>
4038        <section class="">
4039            
4040<div class="cms-rich-text-container">
4041    <p style="text-align: left;"><a style="margin-top: 15px;" href="#form" title="Quote" class="o-btn o-btn--secondary"><strong>Boost your cash flow</strong></a> <a style="text-align: left;" href="/business-cash-flow/about-us/speak-to-an-expert/" title="Speak to an expert" class="o-btn o-btn--primary">Speak to an expert</a></p>
4042</div>
4043
4044        </section>
4045
4046                </div>
4047        </div>
4048    </div>
4049</section>
4050
4051
4052<hr class="dotted-line" />
4053
4054
4055<section class=" ">
4056    <div class="o-container">
4057        <div class="o-row">
4058                <div class="o-col-xs-12">
4059                    
4060
4061        <section class="">
4062            
4063<div class="cms-rich-text-container">
4064    <div id="feefo-service-review-carousel-widgetId" class="feefo-review-carousel-widget-service"></div>
4065</div>
4066
4067        </section>
4068        <section class="">
4069            
4070<div class="cms-rich-text-container">
4071    
4072</div>
4073
4074        </section>
4075        <section class="">
4076            
4077<div class="cms-rich-text-container">
4078    <p style="text-align: center;"><a href="/business-cash-flow/feefo-reviews/" title="Feefo reviews" class="o-btn o-btn--secondary-outline">Read more reviews</a></p>
4079</div>
4080
4081        </section>
4082
4083                </div>
4084        </div>
4085    </div>
4086</section>
4087
4088<section class=" ">
4089    <div class="o-container">
4090        <div class="o-row">
4091                <div class="o-col-xs-12">
4092                    
4093
4094        <section class="">
4095            
4096<hr class="dotted-line" />
4097
4098
4099        </section>
4100        <section class="">
4101            
4102<div class="cms-rich-text-container">
4103    
4104</div>
4105
4106        </section>
4107        <section class="">
4108            
4109<div class="cms-rich-text-container">
4110    <h2 class="light" style="text-align: center;"><span class="u-color--purple">Is accounts receivable factoring right for you?</span></h2>
4111</div>
4112
4113        </section>
4114        <section class="">
4115            
4116
4117    <div class="c-text-card-container three-column">
4118
4119            <div class="c-text-card c-text-card--step  c-text-card--align-center">
4120                <div class="c-text-card__inner">
4121
4122                        <h3 class="icon-heading icon-heading--stacked">
4123                                <span class="icon-heading__icon Icon gi-icon-tick"></span>
4124
4125                            <span>You want to turn outstanding invoices into working capital </span>
4126                        </h3>
4127
4128                    <p class="p1">Factoring provides immediate cash by selling your invoices, improving liquidity.</p>
4129
4130                    <div class="c-text-card__cta-group c-text-card__cta-group--centered">
4131
4132
4133                    </div>
4134                </div>
4135            </div>
4136            <div class="c-text-card c-text-card--step  c-text-card--align-center">
4137                <div class="c-text-card__inner">
4138
4139                        <h3 class="icon-heading icon-heading--stacked">
4140                                <span class="icon-heading__icon Icon gi-icon-tick"></span>
4141
4142                            <span>You&#x2019;d like help managing collections and debtor relationships</span>
4143                        </h3>
4144
4145                    <p class="p1">Factoring includes credit control services, taking pressure off your team.</p>
4146
4147                    <div class="c-text-card__cta-group c-text-card__cta-group--centered">
4148
4149
4150                    </div>
4151                </div>
4152            </div>
4153            <div class="c-text-card c-text-card--step  c-text-card--align-center">
4154                <div class="c-text-card__inner">
4155
4156                        <h3 class="icon-heading icon-heading--stacked">
4157                                <span class="icon-heading__icon Icon gi-icon-tick"></span>
4158
4159                            <span>You regularly invoice other businesses (B2B)</span>
4160                        </h3>
4161
4162                    <p class="p1">Best suited for B2B companies with consistent invoicing and debtor activity.</p>
4163
4164                    <div class="c-text-card__cta-group c-text-card__cta-group--centered">
4165
4166
4167                    </div>
4168                </div>
4169            </div>
4170    </div>
4171
4172
4173        </section>
4174        <section class="">
4175            
4176<div class="cms-rich-text-container">
4177    <h3 class="light" style="text-align: center;" dir="ltr">If that’s your situation, we can help you compare lenders and secure a facility that works for you.</h3>
4178<p style="text-align: center;"><a style="margin-top: 15px;" href="#form" title="Quote" class="o-btn o-btn--secondary"><strong>Boost your cash flow</strong></a> <a style="text-align: left;" href="/business-cash-flow/about-us/speak-to-an-expert/" title="Speak to an expert" class="o-btn o-btn--primary">Speak to an expert</a></p>
4179</div>
4180
4181        </section>
4182        <section class="">
4183            
4184<hr class="dotted-line" />
4185
4186
4187        </section>
4188
4189                </div>
4190        </div>
4191    </div>
4192</section>
4193
4194<section class=" ">
4195    <div class="o-container">
4196        <div class="o-row">
4197                <div class="o-col-xs-12">
4198                    
4199
4200        <section class="">
4201            
4202<div class="cms-rich-text-container">
4203    <h2 class="light" style="text-align: center;"><span class="u-color--purple">Novuna can support businesses with a range of funding challenges</span><span class="u-color--purple"></span></h2>
4204</div>
4205
4206        </section>
4207
4208                </div>
4209        </div>
4210    </div>
4211</section>
4212
4213
4214<div class="card-group  ">
4215    <div class="card-group__inner">
4216        <!-- ReSharper disable once UnknownCssClass -->
4217        <div class="row row--no-margin-bottom twoCol">
4218
4219                <div class="col--12-xs col--6-lg">
4220                    <div class="card-container">
4221                        <div class="card ">
4222                            <div class="card__header " data-mh="card__header">
4223                                    <h4 class="card__title card__title--novuna-light-purple">I want faster access to invoice payments</h4>
4224                            </div>
4225
4226                            <div class="card__body card__body--novuna-light-purple " data-mh="card__body">
4227
4228                            </div>
4229                        </div>
4230
4231                    </div>
4232                </div>
4233                <div class="col--12-xs col--6-lg">
4234                    <div class="card-container">
4235                        <div class="card ">
4236                            <div class="card__header " data-mh="card__header">
4237                                    <h4 class="card__title card__title--novuna-light-purple">I want to stay in control of collections</h4>
4238                            </div>
4239
4240                            <div class="card__body card__body--novuna-light-purple " data-mh="card__body">
4241
4242                            </div>
4243                        </div>
4244
4245                    </div>
4246                </div>
4247                <div class="col--12-xs col--6-lg">
4248                    <div class="card-container">
4249                        <div class="card ">
4250                            <div class="card__header " data-mh="card__header">
4251                                    <h4 class="card__title card__title--novuna-light-purple"> I want finance that scales with accounts receivable</h4>
4252                            </div>
4253
4254                            <div class="card__body card__body--novuna-light-purple " data-mh="card__body">
4255
4256                                    <a href="/business-cash-flow/solutions/debt-financing/debt-factoring/" class="card__button card__button--novuna-light-purple" >
4257                                        <span>Debt factoring</span>
4258                                        <span class="Button-icon gi-icon-arrow-right"></span>
4259                                    </a>
4260                            </div>
4261                        </div>
4262
4263                    </div>
4264                </div>
4265                <div class="col--12-xs col--6-lg">
4266                    <div class="card-container">
4267                        <div class="card ">
4268                            <div class="card__header " data-mh="card__header">
4269                                    <h4 class="card__title card__title--novuna-light-purple">I need help chasing payments</h4>
4270                            </div>
4271
4272                            <div class="card__body card__body--novuna-light-purple " data-mh="card__body">
4273
4274                                    <a href="/business-cash-flow/solutions/late-payment-solutions/credit-control/" class="card__button card__button--novuna-light-purple" >
4275                                        <span>Credit control</span>
4276                                        <span class="Button-icon gi-icon-arrow-right"></span>
4277                                    </a>
4278                            </div>
4279                        </div>
4280
4281                    </div>
4282                </div>
4283        </div>
4284    </div>
4285</div>
4286
4287
4288<section id="howcanithelp" class=" ">
4289    <div class="o-container">
4290        <div class="o-row">
4291                <div class="o-col-xs-12">
4292                    
4293
4294        <section class="">
4295            
4296<hr class="dotted-line" />
4297
4298
4299        </section>
4300        <section class="">
4301            
4302<div class="cms-rich-text-container">
4303    
4304</div>
4305
4306        </section>
4307        <section class="">
4308            
4309<div class="cms-rich-text-container">
4310    <h2 class="light" style="text-align: center;"><span class="u-color--purple">How we help</span></h2>
4311<h3 class="light" style="text-align: center;">How Novuna helps businesses access funding fast</h3>
4312</div>
4313
4314        </section>
4315        <section class="">
4316            
4317
4318    <div class="c-text-card-container three-column">
4319
4320            <div class="c-text-card c-text-card--step  ">
4321                <div class="c-text-card__inner">
4322
4323                        <h3 class="step-heading" data-mh="card-title" data-step="1">Tell us what you need</h3>
4324
4325                    <p>Start with a simple form or call - tell us your business challenge.</p>
4326
4327                    <div class="c-text-card__cta-group c-text-card__cta-group--right">
4328
4329
4330                    </div>
4331                </div>
4332            </div>
4333            <div class="c-text-card c-text-card--step  ">
4334                <div class="c-text-card__inner">
4335
4336                        <h3 class="step-heading" data-mh="card-title" data-step="2">We compare your options</h3>
4337
4338                    <p class="p1">We compare multiple providers to get you a great deal.</p>
4339
4340                    <div class="c-text-card__cta-group c-text-card__cta-group--right">
4341
4342
4343                    </div>
4344                </div>
4345            </div>
4346            <div class="c-text-card c-text-card--step  ">
4347                <div class="c-text-card__inner">
4348
4349                        <h3 class="step-heading" data-mh="card-title" data-step="3">Choose the right type of funding</h3>
4350
4351                    <p>Access a range of short-term funding options including loans, advances, and invoice finance.</p>
4352
4353                    <div class="c-text-card__cta-group c-text-card__cta-group--right">
4354
4355
4356                    </div>
4357                </div>
4358            </div>
4359            <div class="c-text-card c-text-card--step  ">
4360                <div class="c-text-card__inner">
4361
4362                        <h3 class="step-heading" data-mh="card-title" data-step="4">Apply with expert support</h3>
4363
4364                    <p>Get help applying - with a real expert on hand throughout.</p>
4365
4366                    <div class="c-text-card__cta-group c-text-card__cta-group--right">
4367
4368
4369                    </div>
4370                </div>
4371            </div>
4372            <div class="c-text-card c-text-card--step  ">
4373                <div class="c-text-card__inner">
4374
4375                        <h3 class="step-heading" data-mh="card-title" data-step="5">Get clear, transparent terms</h3>
4376
4377                    <p>No jargon, no surprises - just honest advice with no hidden fees.</p>
4378
4379                    <div class="c-text-card__cta-group c-text-card__cta-group--right">
4380
4381
4382                    </div>
4383                </div>
4384            </div>
4385            <div class="c-text-card c-text-card--step  ">
4386                <div class="c-text-card__inner">
4387
4388                        <h3 class="step-heading" data-mh="card-title" data-step="6">Receive funding that grows with your sales</h3>
4389
4390                    <p>Accounts receivable factoring is a scalable solution that flexes as your turnover increases.</p>
4391
4392                    <div class="c-text-card__cta-group c-text-card__cta-group--right">
4393
4394
4395                    </div>
4396                </div>
4397            </div>
4398    </div>
4399
4400
4401        </section>
4402
4403                </div>
4404        </div>
4405    </div>
4406</section>
4407
4408<hr class="dotted-line" />
4409
4410
4411<div class="cms-rich-text-container">
4412    
4413</div>
4414
4415<div class="cms-rich-text-container">
4416    <div style="margin: 0 auto; max-width: 1000px;">
4417<h2 class="light" style="text-align: center;"><span class="u-color--purple">Why take action now</span></h2>
4418<h3 class="light" style="text-align: center;">
4418Free up working capital and reduce payment delays</h3>
4419</div>
4420</div>
4421
4422
4423    <div class="o-row c-tile-grid c-tile-grid--icons c-tile-grid--3  ">
4424
4425            <div class="tile icon-tile icon-tile--bg icon-tile--90" data-mh="icon-tile">
4426
4427                <div class="icon-tile__icon">
4428
4429                        <img src="/media/gvmhm3l2/novunaicons__fast-release.png" />
4430                        <img src="/media/gvmhm3l2/novunaicons__fast-release.png" class="icon--reflection" />
4431
4432                </div>
4433
4434                    <div class="icon-tile__text">
4435                        <p>Accounts receivable factoring unlocks the value in unpaid invoices</p>
4436                    </div>
4437
4438            </div>
4439            <div class="tile icon-tile icon-tile--bg icon-tile--90" data-mh="icon-tile">
4440
4441                <div class="icon-tile__icon">
4442
4443                        <img src="/media/httnpcld/icons_rgb_300dpi_executive-committee.png" />
4444                        <img src="/media/httnpcld/icons_rgb_300dpi_executive-committee.png" class="icon--reflection" />
4445
4446                </div>
4447
4448                    <div class="icon-tile__text">
4449                        <p>The sooner you act, the better your options</p>
4450                    </div>
4451
4452            </div>
4453            <div class="tile icon-tile icon-tile--bg icon-tile--90" data-mh="icon-tile">
4454
4455                <div class="icon-tile__icon">
4456
4457                        <img src="/media/a3eplnc3/icons_rgb_300dpi_remuneration-committee.png" />
4458                        <img src="/media/a3eplnc3/icons_rgb_300dpi_remuneration-committee.png" class="icon--reflection" />
4459
4460                </div>
4461
4462                    <div class="icon-tile__text">
4463                        <p>We help you avoid high-cost lending by comparing the right products upfront</p>
4464                    </div>
4465
4466            </div>
4467    </div>
4468
4469
4470<hr class="dotted-line" />
4471
4472
4473<div class="cms-rich-text-container">
4474    
4475</div>
4476
4477<div class="cms-rich-text-container">
4478    <h2 class="light" style="text-align: center;"><span class="u-color--purple">Why choose Novuna Business Cash Flow?</span></h2>
4479<h3 class="light" style="text-align: center;"> Businesses trust us for accounts receivable finance</h3>
4480</div>
4481
4482<section class=" ">
4483    <div class="o-container">
4484        <div class="o-row">
4485                <div class="o-col-xs-12 o-col-sm-12 o-col-lg-6">
4486                    
4487
4488        <section class="">
4489            
4490    <ul class="c-icon-list">
4491            <li>
4492                    <span class="c-icon-list__icon">
4493                        <span class="gi-circle-solid u-color--success o-icon__stacked-background"></span>
4494                        <span class="u-color--white gi-icon-tick o-icon__stacked-inner"></span>
4495                    </span>
4496
4497                <div>
4498                    <p>Over 40 years of experience in business finance</p>
4499                </div>
4500            </li>
4501            <li>
4502                    <span class="c-icon-list__icon">
4503                        <span class="gi-circle-solid u-color--success o-icon__stacked-background"></span>
4504                        <span class="u-color--white gi-icon-tick o-icon__stacked-inner"></span>
4505                    </span>
4506
4507                <div>
4508                    <p>Access to multiple funding partners - not just our own products</p>
4509                </div>
4510            </li>
4511
4512    </ul>
4513
4514        </section>
4515
4516                </div>
4517                <div class="o-col-xs-12 o-col-sm-12 o-col-lg-6">
4518                    
4519
4520        <section class="">
4521            
4522    <ul class="c-icon-list">
4523            <li>
4524                    <span class="c-icon-list__icon">
4525                        <span class="gi-circle-solid u-color--success o-icon__stacked-background"></span>
4526                        <span class="u-color--white gi-icon-tick o-icon__stacked-inner"></span>
4527                    </span>
4528
4529                <div>
4530                    <p>Personal support from real cash flow experts</p>
4531                </div>
4532            </li>
4533            <li>
4534                    <span class="c-icon-list__icon">
4535                        <span class="gi-circle-solid u-color--success o-icon__stacked-background"></span>
4536                        <span class="u-color--white gi-icon-tick o-icon__stacked-inner"></span>
4537                    </span>
4538
4539                <div>
4540                    <p>Transparent advice based on what’s best for your business</p>
4541                </div>
4542            </li>
4543
4544    </ul>
4545
4546        </section>
4547
4548                </div>
4549        </div>
4550    </div>
4551</section>
4552
4553<hr class="dotted-line" />
4554
4555
4556<div class="cms-rich-text-container">
4557    <h3 class="light" style="text-align: center;">We're highly rated by our existing customers</h3>
4558</div>
4559
4560<section class="c-fcard c-fcard--left">
4561
4562        <div class="c-fcard__image">
4563            <picture data-js="lazyload">
4564                    <source data-srcset="/media/3m2pitv5/young-businesswoman-in-a-modern-office.jpg?width=660&amp;height=335&amp;v=1db87b5e4622830" media="(min-width: 965px)">
4565                    <source data-srcset="/media/3m2pitv5/young-businesswoman-in-a-modern-office.jpg?width=335&amp;height=335&amp;v=1db87b5e4622830&amp;format=webp&amp;quality=80" media="(min-width: 720px)">
4566                <source data-srcset="/media/3m2pitv5/young-businesswoman-in-a-modern-office.jpg?width=660&amp;height=335&amp;v=1db87b5e4622830&amp;format=webp&amp;quality=80" media="(min-width: 575px)">
4567                <source data-srcset="/media/3m2pitv5/young-businesswoman-in-a-modern-office.jpg?width=540&amp;height=335&amp;v=1db87b5e4622830&amp;format=webp&amp;quality=80" media="(min-width: 0)">
4568                <img src="/media/3m2pitv5/young-businesswoman-in-a-modern-office.jpg?anchor=center&amp;mode=crop&amp;width=50" alt="" class="c-fcard__picture c-fcard__picture--for-col-12" />
4569            </picture>
4570            <picture data-js="lazyload">
4571                <img src="/media/3m2pitv5/young-businesswoman-in-a-modern-office.jpg?width=660&amp;height=335&amp;v=1db87b5e4622830&amp;format=webp&amp;quality=80" alt="" class="c-fcard__picture c-fcard__picture--for-col-6" />
4572            </picture>
4573        </div>
4574
4575    <div class="c-fcard__panel u-backgroundColor--lightgrey">
4576        <div class="c-fcard__content cms-rich-text-container ">
4577
4578            <h4 class="light">"The communication and <strong>support has been outstanding.</strong>&nbsp;Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so<strong>&nbsp;user friendly</strong> and the drawdown payments are very efficient in the fast moving world of temporary payroll.'</h4>
4579
4580                <a href="/business-cash-flow/feefo-reviews/" class="o-btn o-btn--primary">
4581                    More reviews
4582                </a>
4583        </div>
4584    </div>
4585</section>
4586
4587
4588<hr class="dotted-line" />
4589
4590
4591<div class="cms-rich-text-container">
4592    <h3 class="light" style="text-align: center;">We're a multi-award winning business cash flow specialist</h3>
4593</div>
4594
4595    <div class="c-client-banner-container c-client-banner-container-5 enable-carousel  c-client-banner-container--noBackground " id="c-client-banner-ffcf52f6-4bbb-48ce-8af7-2d4365ce23c5">
4596        <div class="c-client-banner  c-client-banner--noBackground c-client-banner-5 c-client-banner-wrapper">
4597                <div class="c-client">
4598                        <div class="c-client__logo" data-mh="client-logo">
4599                            <div class="c-client__logo-container">
4600                                <img src="/media/4gwlgqbr/bmf26-multiwin-invsmefinsec.png" alt="Innovation in the SME Sector 2026">
4601                            </div>
4602                        </div>
4603                    <p class="c-client__text">Innovation in the SME Sector 2026</p>
4604                </div>
4605                <div class="c-client">
4606                        <div class="c-client__logo" data-mh="client-logo">
4607                            <div class="c-client__logo-container">
4608                                <img src="/media/bmgfk1zk/bmf26-hc-factoringprov.png" alt="Best Provider 2026 ">
4609                            </div>
4610                        </div>
4611                    <p class="c-client__text">Best Provider 2026 </p>
4612                </div>
4613                <div class="c-client">
4614                        <div class="c-client__logo" data-mh="client-logo">
4615                            <div class="c-client__logo-container">
4616                                <img src="/media/ehdi0gwz/bca-winner-tile-2026-novuna-business-cash-flow.png" alt="Lender of the Year 2026">
4617                            </div>
4618                        </div>
4619                    <p class="c-client__text">Lender of the Year 2026</p>
4620                </div>
4621                <div class="c-client">
4622                        <div class="c-client__logo" data-mh="client-logo">
4623                            <div class="c-client__logo-container">
4624                                <img src="/media/af2bxmid/lendingawards_winner_signature_239.jpg" alt="Alternative SME Lender of the Year">
4625                            </div>
4626                        </div>
4627                    <p class="c-client__text">Alternative SME Lender of the Year</p>
4628                </div>
4629                <div class="c-client">
4630                        <div class="c-client__logo" data-mh="client-logo">
4631                            <div class="c-client__logo-container">
4632                                <img src="/media/4asnhvlj/ca_winners_winnerlogos-2339.jpg" alt="SME Lender of the Year 2023">
4633                            </div>
4634                        </div>
4635                    <p class="c-client__text">SME Lender of the Year 2023</p>
4636                </div>
4637        </div>
4638        <div class="c-client-banner-carousel__controls">
4639            <p>
4639Swipe</p>
4640            <a href="#" class="c-client-banner-carousel__button-prev" aria-controls="cta-tiles-carousel-">
4641                <span class="gi-icon-arrow-left"></span>
4642            </a>
4643            <a href="#" class="c-client-banner-carousel__button-next" aria-controls="cta-tiles-carousel-">
4644                <span class="gi-icon-arrow-right"></span>
4645            </a>
4646        </div>
4647    </div>
4648
4649
4650<section class=" ">
4651    <div class="o-container">
4652        <div class="o-row o-row--no-margin">
4653                <div class="o-col-xs-12">
4654                    
4655
4656        <section class="">
4657            
4658<hr class="dotted-line" />
4659
4660
4661        </section>
4662        <section class="">
4663            
4664<div class="cms-rich-text-container">
4665    
4666</div>
4667
4668        </section>
4669        <section class="">
4670            
4671<div class="cms-rich-text-container">
4672    <h2 class="light" style="text-align: center;"><span class="u-color--purple">What funding looks like in your sector</span></h2>
4673<h3 class="light" style="text-align: center;">Get advice tailored to the challenges in your industry</h3>
4674</div>
4675
4676        </section>
4677
4678                </div>
4679        </div>
4680    </div>
4681</section>
4682
4683<section class=" ">
4684    <div class="o-container">
4685        <div class="o-row o-row--no-margin-top">
4686                <div class="o-col-xs-12">
4687                    
4688
4689        <section class="">
4690            
4691
4692<section class="c-latest-articles">
4693
4694    
4694<script type="text/html" id="d984532f-8d6b-4ae4-a0f2-ab2aed09ba80">{&quot;hideArticleSummary&quot;:true,&quot;articleLimit&quot;:0,&quot;tags&quot;:[&quot;Construction&quot;,&quot;Manufacturing&quot;,&quot;Professional Services&quot;,&quot;Hospitality&quot;,&quot;Quick Funding&quot;,&quot;Retail&quot;,&quot;E-Commerce&quot;,&quot;Transportation&quot;],&quot;categories&quot;:[4889],&quot;home&quot;:&quot;&quot;,&quot;row&quot;:&quot;&quot;,&quot;grid&quot;:false}</script>
4694
4695    <div class="c-article-list " id="articles-list-3801525d-8230-4290-9089-0cbf15059940" data-dynamic-list="latest-articles" data-page="1" data-article-list-config="d984532f-8d6b-4ae4-a0f2-ab2aed09ba80" data-has-server-rendered="true" data-total-pages="12">
4696                <article class="c-article-tile" data-link-url="/news-and-insights/business-cash-flow/invoice-finance-for-construction-companies/">
4697                    <div class="c-article-tile__inner" tabindex="0">
4698                        <div class="c-article-tile__image-container">
4699                            <img class="lazy" src="/media/hdfpbqgr/beautiful-view-construction-site-city-sunset.webp?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" data-src="/media/hdfpbqgr/beautiful-view-construction-site-city-sunset.webp?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" alt="" />
4700                        </div>
4701                        <a href="/news-and-insights/business-cash-flow/invoice-finance-for-construction-companies/" class="c-article-tile__title">
4702                            <h3>Invoice finance for construction companies</h3>
4703                            <span class="c-article-tile__date">NOV 2025 | 2 Minute Read</span>
4704                        </a>
4705                    </div>
4706                </article>
4707                <article class="c-article-tile" data-link-url="/news-and-insights/business-cash-flow/working-capital-loans-for-manufacturers-fund-big-orders-and-equipment-upgrades/">
4708                    <div class="c-article-tile__inner" tabindex="0">
4709                        <div class="c-article-tile__image-container">
4710                            <img class="lazy" src="/media/bzybmjsx/site-engineer-construction-site.webp?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" data-src="/media/bzybmjsx/site-engineer-construction-site.webp?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" alt="" />
4711                        </div>
4712                        <a href="/news-and-insights/business-cash-flow/working-capital-loans-for-manufacturers-fund-big-orders-and-equipment-upgrades/" class="c-article-tile__title">
4713                            <h3>Working capital loans for manufacturers - fund big orders and equipment upgrades</h3>
4714                            <span class="c-article-tile__date">NOV 2025 | 2 Minute Read</span>
4715                        </a>
4716                    </div>
4717                </article>
4718                <article class="c-article-tile" data-link-url="/news-and-insights/business-cash-flow/business-loans-for-ecommerce-funding-options-for-online-retailers/">
4719                    <div class="c-article-tile__inner" tabindex="0">
4720                        <div class="c-article-tile__image-container">
4721                            <img class="lazy" src="/media/a25f2j3x/istock-1205213679-3.jpg?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" data-src="/media/a25f2j3x/istock-1205213679-3.jpg?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" alt="Two people discussing their finances, a notepad and calculator in front of them" />
4722                        </div>
4723                        <a href="/news-and-insights/business-cash-flow/business-loans-for-ecommerce-funding-options-for-online-retailers/" class="c-article-tile__title">
4724                            <h3>Business loans for ecommerce - funding options for online retailers</h3>
4725                            <span class="c-article-tile__date">NOV 2025 | 2 Minute Read</span>
4726                        </a>
4727                    </div>
4728                </article>
4729                <article class="c-article-tile" data-link-url="/news-and-insights/business-cash-flow/when-demand-drops-what-manufacturers-can-do-to-protect-cash-flow/">
4730                    <div class="c-article-tile__inner" tabindex="0">
4731                        <div class="c-article-tile__image-container">
4732                            <img class="lazy" src="/media/phyf53n0/smiling-businessman-businesswoman-using-laptop-factory.webp?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" data-src="/media/phyf53n0/smiling-businessman-businesswoman-using-laptop-factory.webp?anchor=center&amp;mode=crop&amp;width=255&amp;height=170&amp;quality=80" alt="" />
4733                        </div>
4734                        <a href="/news-and-insights/business-cash-flow/when-demand-drops-what-manufacturers-can-do-to-protect-cash-flow/" class="c-article-tile__title">
4735                            <h3>When demand drops - what manufacturers can do to protect cash flow</h3>
4736                            <span class="c-article-tile__date">NOV 2025 | 2 Minute Read</span>
4737                        </a>
4738                    </div>
4739                </article>
4740    </div>
4741    <nav class="c-pagination">
4742        <a href="javascript:void(0)" class="c-pagination__item c-pagination__item--link c-pagination__item--disabled" data-page-step="-1"><span class="gi-icon-arrow-left"></span></a>
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4756    <li class="c-pagination__item">
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4758    </li>
4759</template>
4760
4761
4762<template data-template="paginationControl">
4763    <li class="">
4764        <a class="c-pagination__item" href="javascript:void(0)">{{pageNumber}}</a>
4765    </li>
4766</template>
4767<template data-template="articelTile">
4768    <article class="c-article-tile" data-link-url="">
4769        <div class="c-article-tile__inner" tabindex=0>
4770            <div class="c-article-tile__image-container">
4771                <img class="lazy" src="/media/duemj4xh/two-million-remote-working-businesses-sitting-ducks-for-cyber-attacks-according-to-research.jpg?width=255&amp;height=170&amp;v=1db87b52f0cf410&amp;format=webp&amp;quality=80" data-src="/media/duemj4xh/two-million-remote-working-businesses-sitting-ducks-for-cyber-attacks-according-to-research.jpg?width=255&amp;height=170&amp;v=1db87b52f0cf410&amp;format=webp&amp;quality=80" />
4772            </div>
4773            <a href="" class="c-article-tile__title">
4774                <h3>{{article_title}}</h3>
4775                <span class="c-article-tile__date">{{article_date}} | {{read_time}} Minute Read</span>
4776            </a>
4777        </div>
4778        <div class="c-article-tile__description">
4779            {{article_summary}}
4780        </div>
4781    </article>
4782</template>
4783
4784
4785
4786        </section>
4787        <section class="">
4788            
4789<div class="cms-rich-text-container">
4790    <p style="text-align: center;"><a href="/news-and-insights/business-cash-flow/" title="Business Cash Flow" class="o-btn o-btn--secondary">See all sector specific advice</a></p>
4791</div>
4792
4793        </section>
4794        <section class="">
4795            
4796<div class="cms-rich-text-container">
4797    
4798</div>
4799
4800        </section>
4801        <section class="">
4802            
4803<hr class="dotted-line" />
4804
4805
4806        </section>
4807        <section class="">
4808            
4809<div class="cms-rich-text-container">
4810    
4811</div>
4812
4813        </section>
4814        <section class="">
4815            
4816<div class="cms-rich-text-container">
4817    <h2 class="light" style="text-align: center;"><span class="u-color--purple">FAQs</span></h2>
4818</div>
4819
4820        </section>
4821
4822                </div>
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4824    </div>
4825</section>
4826
4827<section class="u-backgroundColor--neutralSectionGrey p-xl">
4828    <div class="o-container">
4829        <div class="o-row">
4830                <div class="o-col-xs-12">
4831                    
4832
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4834            
4835<div class="cms-rich-text-container">
4836    <h3 class="u-color--brandMid weightLight"><span class="u-color--purple">How does accounts receivable factoring work in the UK?</span></h3>
4837<p>You send your sales invoices to a factoring provider, who pays you a percentage upfront (typically up to 90%). Once your customers settle the invoice, the provider pays the remaining balance minus their service fee.</p>
4838<p>&nbsp;</p>
4839<h3 class="u-color--brandMid weightLight"><span class="u-color--purple">What types of businesses use factoring?</span></h3>
4840<p class="p1">Factoring is widely used by <span class="u-color--purple"><strong>SMEs, manufacturers, wholesalers, and service-based companies</strong></span> that offer trade credit. It’s especially useful for firms that experience long payment terms or seasonal demand fluctuations.</p>
4841<p dir="ltr">&nbsp;</p>
4842<h3 class="u-color--brandMid weightLight"><span class="u-color--purple">Is accounts receivable factoring the same as invoice finance?</span></h3>
4843<p class="p1">Not exactly. Both involve using unpaid invoices to release cash, but <strong><a href="/business-cash-flow/solutions/debt-financing/invoice-factoring/" title="Invoice factoring">invoice factoring</a></strong> includes <strong><a href="/business-cash-flow/solutions/late-payment-solutions/credit-control/" title="Credit control">credit control</a></strong> and debt collection handled by the lender, whereas <a href="/business-cash-flow/solutions/debt-financing/invoice-discounting/" title="Invoice discounting">invoice discounting </a>allows businesses to retain control of their customer relationships.</p>
4844</div>
4845
4846        </section>
4847
4848                </div>
4849        </div>
4850    </div>
4851</section>
4852
4853<hr class="dotted-line" />
4854
4855
4856<section id="form" class=" ">
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4861
4862        <section class="">
4863            
4864<div class="cms-rich-text-container">
4865    
4866</div>
4867
4868        </section>
4869
4870                </div>
4871        </div>
4872    </div>
4873</section>
4874
4875<section class=" ">
4876    <div class="o-container">
4877        <div class="o-row">
4878                <div class="o-col-xs-12">
4879                    
4880
4881        <section class="">
4882            <div class="c-form__leadcapture u-backgroundColor--neutralLight u-has-bg-icon">
4883        <span class="o-icon__bg o-icon__bg--top-right o-icon__bg--mid o-icon__bg--tilt-left gi-icon-message"></span>
4884
4885    <h2 class="purple light" style="text-align: left;">We compare a range of accounts receivable factoring providers to get you a great deal.</h2>
4886<p><strong>Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.</strong></p>
4887    <p>Complete the form below to compare and save with Novuna Business Cash Flow:</p>
4888
4889
4890
4891
4892
4893
4894
4895
4896    <div id="umbraco_form_f2d3c933fa864fb6953939f84f875bf1" class="umbraco-forms-form bcfcompareproductsforminvoicefinance umbraco-forms-HitachiForm">
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4898<form action="/business-cash-flow/solutions/debt-financing/accounts-receivable-factoring/" enctype="multipart/form-data" id="form863245d23ebd43d3a91fd78910eb81d0" method="post"><input data-val="true" data-val-required="The FormId field is required." name="FormId" type="hidden" value="f2d3c933-fa86-4fb6-9539-39f84f875bf1" /><input data-val="true" data-val-required="The FormName field is required." name="FormName" type="hidden" value="BCF - Compare Products Form - Invoice Finance" /><input data-val="true" data-val-required="The RecordId field is required." name="RecordId" type="hidden" value="00000000-0000-0000-0000-000000000000" /><input name="PreviousClicked" type="hidden" value="" /><input name="Theme" type="hidden" value="HitachiForm" />            <input type="hidden" name="FormStep" value="0" />
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4901
4902
4903<div class="c-forms__page umbraco-forms-page">
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4907                <fieldset class="umbraco-forms-fieldset" id="ed6b9318-18b2-463f-9f0a-d170b01cec68">
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4910                    <div class="o-row">
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4915
4916                                                                    <label for="847dc2aa-c723-40d5-b949-c2057520e825" class="o-label">
4917                                                    What is your approximate annual turnover? (&#xA3;)                                                                     </label>
4918                                                            <div class="umbraco-forms-field-wrapper">
4919                                                                <div class=" ">
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4921<input type="text" name="847dc2aa-c723-40d5-b949-c2057520e825" id="847dc2aa-c723-40d5-b949-c2057520e825" class="text o-input" value="" maxlength="500"
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4934                                                    What is the name of your business?                                                                                 <span class="o-indicator">*</span>
4935                                                                    </label>
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4991                                                                    <label for="fb20901e-c4a6-4760-bca3-3878b95d8d65" class="o-label">
4992                                                    What is your email address?                                                                                 <span class="o-indicator">*</span>
4993                                                                    </label>
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4995                                                                <div class=" ">
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5011                                                                    <label for="0434af63-935e-4956-b845-77d9c27cbb51" class="o-label">
5012                                                    What is your phone number?                                                                                 <sp
5012an class="o-indicator">*</span>
5013                                                                    </label>
5014                                                            <div class="umbraco-forms-field-wrapper">
5015                                                                <div class=" ">
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5021
5022                                                                </div>
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5028                                                        </div>
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5031                                                                    <label for="18598e14-6448-4780-f0d1-db5cade06e53" class="o-label">
5032                                                    Where did you hear about us?                                                                     </label>
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5036<input type="text" name="18598e14-6448-4780-f0d1-db5cade06e53" id="18598e14-6448-4780-f0d1-db5cade06e53" class="text o-input" value="" maxlength="500"
5037/>
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5256    </picture>
5257
5258        </section>
5259
5260                </div>
5261        </div>
5262    </div>
5263</section>
5264
5265    </div>
5266</section>
5267
5268
5269
5270
5271
5272
5273
5274                    <a class="o-page-anchor c-footer__back-to-top" href="#main"><span>Back to top</span></a>
5275            </div>
5276
5277        <div class="o-modal" tabindex="-1" role="dialog" id="modal">
5278            <div class="o-modal-dialog o-modal-dialog-centered  o-modal-lg" role="document">
5279                <div class="o-modal-content">
5280                    <div class="o-modal-header">
5281                        <h3 class="o-modal-title"></h3>
5282                        <a href="javascript:;" class="o-modal-close" data-dismiss="modal">
5283                            <span class="close-title"></span>
5284                            <span class="gi-icon-close close-icon" aria-hidden="true"></span>
5285                        </a>
5286                    </div>
5287                    <div class="o-modal-body">
5288                    </div>
5289                </div>
5290            </div>
5291        </div>
5292
5293    </main>
5294
5295<script >
5296    window.lazySizesConfig = window.lazySizesConfig || {};
5297    window.lazySizesConfig.customMedia = {
5298        '--small': '(max-width: 719px)',
5299        '--medium': '(max-width: 964px)',
5300        '--large': '(max-width: 1199px)'
5301    };
5302</script>
vendor: 2 bytes, line 5302
5302
5303<script src="/_res/dist/libraries/lazyload.min.js"></script>
vendor: 2 bytes, line 5303
5303
5304<script >
5305    let images = document.querySelectorAll(".lazy");
5306    lazyload(images);
5307</script>
5307
5308
5309
5310
5311<footer class="c-footer">
5312    <div class="o-container">
5313
5314        <div class="o-row o-row--first">
5315            <div class="o-col-12 o-col-sm-6 c-footer__logo">
5316                    <img src="/media/tqapjphw/ba-website-footer.png" alt="Official Finance Partner for British Athletics Logo" />
5317            </div>
5318            <div class="o-col-12 o-col-sm-6 c-social-icons">
5319                            <a href="https://www.facebook.com/NovunaCapital" title="Facebook" target="_blank" rel="noopener">
5320<picture><source srcset='/media/mwsllztd/si__facebook.svg' type='image/svg'><img src='/media/mwsllztd/si__facebook.svg' alt='Facebook' class=''></picture>                            </a>
5321                            <a href="https://twitter.com/_Novuna" title="Twitter" target="_blank" rel="noopener">
5322<picture><source srcset='/media/qhdjxrcw/si__x.png?format=webp&quality=80' type='image/webp'><source srcset='/media/qhdjxrcw/si__x.png' type='image/jpeg'><img src='/media/qhdjxrcw/si__x.png' alt='Twitter' class=''></picture>                            </a>
5323                            <a href="https://www.linkedin.com/company/novuna" title="Linkedin" target="_blank" rel="noopener">
5324<picture><source srcset='/media/bypfar0x/si__linkedin.svg' type='image/svg'><img src='/media/bypfar0x/si__linkedin.svg' alt='Linkedin' class=''></picture>                            </a>
5325                            <a href="https://www.youtube.com/channel/UCxnnzk1vUU92O9PWaQp_8PQ" title="YouTube" >
5326<picture><source srcset='/media/io5gibmr/si__youtube.svg' type='image/svg'><img src='/media/io5gibmr/si__youtube.svg' alt='YouTube' class=''></picture>                            </a>
5327                            <a href="https://www.instagram.com/_novuna/" title="https://www.instagram.com/_novuna/" target="_blank" rel="noopener">
5328<picture><source srcset='/media/exbdk3xz/si__instagram.svg' type='image/svg'><img src='/media/exbdk3xz/si__instagram.svg' alt='https://www.instagram.com/_novuna/' class=''></picture>                            </a>
5329            </div>
5330        </div>
5331
5332            <nav class="o-row c-footer__nav" aria-label="Footer">
5333                            <a class="nav__links"  href="/privacy-policy/" itemprop="name">Privacy Policy</a>
5334                            <a class="nav__links"  href="/terms-of-use/" itemprop="name">Terms of Use</a>
5335                            <a class="nav__links"  href="/crain/" itemprop="name">CRAIN</a>
5336                            <a class="nav__links"  href="/complaints-policy/" itemprop="name">Complaints Policy</a>
5337                            <a class="nav__links"  href="/cookies-policy/" itemprop="name">Cookies Policy</a>
5338                            <a class="nav__links"  href="/financial-crime/" itemprop="name">Financial Crime</a>
5339                            <a class="nav__links"  href="/site-map/" itemprop="name">Site Map</a>
5340                            <a class="nav__links" target="_blank" rel="noopener" href="https://www.mitsubishihccapital.co.uk/" itemprop="name">mitsubishihccapital.co.uk</a>
5341                            <a class="nav__links" target="_blank" rel="noopener" href="/media/cr5kj4d0/mhcuk-anti-slavery-statement-2025.pdf" itemprop="name">Anti Slavery Statement</a>
5342            </nav>
5343
5344        <hr />
5345
5346
5347            <div class="o-row c-footer__copyright">
5348                <p><strong>© Novuna 2026.&nbsp; All rights reserved.&nbsp;</strong></p>
5349            </div>
5350
5351            <div class="o-row c-footer__content">
5352                <p>Novuna is a trading style of Mitsubishi HC Capital UK PLC Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348.Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491.</p>
5353            </div>
5354
5355
5356    </div>
5357</footer>
5358
5359
5360
5361    
5362    
5362<script>
5363// debounce scroll eventListener
5364function debounceX(func, wait = 10, immediate = true) {
5365  let timeout;
5366  return function() {
5367    let context = this, args = arguments;
5368    let later = function() {
5369      timeout = null;
5370      if (!immediate) func.apply(context, args);
5371    };
5372    let callNow = immediate && !timeout;
5373    clearTimeout(timeout);
5374    timeout = setTimeout(later, wait);
5375    if (callNow) func.apply(context, args);
5376  };
5377};
5378// check position 
5379function checkScrollPosition() {
5380if (watchedEL !== null)
5381{
5382  let windowY = window.scrollY;
5383  let targetY = 250; // target scroll position
5384  if (windowY < targetY) {
5385    watchedEL.classList.remove('is-visible');
5386  } else {
5387    watchedEL.classList.add('is-visible');
5388  }
5389  scrollPos = windowY;
5390}
5391
5392}
5393//  add listener
5394const watchedEL = document.querySelector('#show-button');
5395window.addEventListener('scroll', debounceX(checkScrollPosition));
5396
5397
5398
5399</script>
5399
5400
5401<script>document.addEventListener('DOMContentLoaded', function() { const tileHeadings = document.querySelectorAll('.c-tile-grid--4 h3.tile__heading'); for (const tileHeading of tileHeadings) { let currentText = tileHeading.textContent; let newText = currentText.replace(' ctaTile', ''); tileHeading.textContent = newText; } }); </script>
5401
5402
5403<script src="//rum-static.pingdom.net/pa-68ecf5d3c99eee00120001b8.js" async></script>
5403
5404
5405    
5406
5407
5408
vendor: 1,445 bytes, lines 5409-5412
5409<script >
5410    /*! loadCSS. [c]2017 Filament Group, Inc. MIT License */
5411    !function (t) { "use strict"; t.loadCSS || (t.loadCSS = function () { }); var e = loadCSS.relpreload = {}; if (e.support = function () { var e; try { e = t.document.createElement("link").relList.supports("preload") } catch (t) { e = !1 } return function () { return e } }(), e.bindMediaToggle = function (t) { var e = t.media || "all"; function a() { t.addEventListener ? t.removeEventListener("load", a) : t.attachEvent && t.detachEvent("onload", a), t.setAttribute("onload", null), t.media = e } t.addEventListener ? t.addEventListener("load", a) : t.attachEvent && t.attachEvent("onload", a), setTimeout(function () { t.rel = "stylesheet", t.media = "only x" }), setTimeout(a, 3e3) }, e.poly = function () { if (!e.support()) for (var a = t.document.getElementsByTagName("link"), n = 0; n < a.length; n++) { var o = a[n]; "preload" !== o.rel || "style" !== o.getAttribute("as") || o.getAttribute("data-loadcss") || (o.setAttribute("data-loadcss", !0), e.bindMediaToggle(o)) } }, !e.support()) { e.poly(); var a = t.setInterval(e.poly, 500); t.addEventListener ? t.addEventListener("load", function () { e.poly(), t.clearInterval(a) }) : t.attachEvent && t.attachEvent("onload", function () { e.poly(), t.clearInterval(a) }) } "undefined" != typeof exports ? exports.loadCSS = loadCSS : t.loadCSS = loadCSS }("undefined" != typeof global ? global : this);
5412</script>
5412
5413
5414    
5415
5416<script src="/_res/dist/scripts/main.min.js?d=639263639230027131"></script>
5416<script src="/_res/dist/scripts/novuna_main.min.js?d=639263639230027131"></script>
5416
5417    
5418
5419    
5420
5421
5422</body>
5423</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.