Businesses rarely wake up looking for an asset-based lending facility.

More often, they're experiencing growth because of new contracts, expanding customer base or increasing order volumes. These should all be positive signs but for many businesses, growth itself is becoming one of the biggest causes of cash flow pressure. As they scale, working capital demands grow alongside revenues. Without the right funding structure in place, successful businesses can find themselves under pressure despite growing order books.

Research commissioned by Novuna Business Cash Flow found that corporate-sized businesses (with £25m+ turnover) are considerably more likely to experience cash flow challenges linked to rapid expansion than smaller organisations. Yet too often, funding conversations start with the product.

At Novuna, we believe they should start with the opportunity.

Traditionally, businesses seeking funding have often had to manage different products, sometimes from multiple providers. Invoice finance may support working capital requirements, but separate agreements are needed for equipment, commercial property or stock.

While these structures can work successfully, they can also become increasingly complex as businesses grow. This is why we launched our ground-breaking take on Asset Based Lending, one agreement, one facility.

For decades, we've helped UK businesses improve cash flow through invoice finance and working capital solutions. We've built our reputation by listening carefully, understanding ambitions and creating funding structures that support long-term growth. Now we're bringing that same philosophy to the asset-based lending market.