Straightforward business finance, whatever the challenge.
Independent advice to help UK businesses secure the right funding - from growth to cash-flow pressure and everything in between.
Invoice Finance
Our Solutions
Invoice finance allows businesses to release cash tied up in unpaid invoices. A proportion of the invoice value is advanced upfront, with the balance paid once the customer settles. Facilities are linked to turnover, meaning available funding can increase as it grows.
Asset Finance
Asset finance enables SMEs to spread the cost of equipment, vehicles or machinery over time.
The asset itself provides security, helping preserve cash while funding new equipment and business growth.
Business Loans
Business loans provide a lump sum of funding repaid over a fixed term. They can be used for a wide range of purposes, including growth, refinancing or working capital, and may be secured or unsecured depending on the business profile.
Development Finance
Development finance provides funding towards the purchase of land or property and the costs of construction or refurbishment. Facilities are typically secured against the development itself and are structured so interest can be added to the loan, easing cash flow during the build. Funding is usually repaid on completion, through sale or longer-term refinance.
Merchant Cash Advance
A merchant cash advance provides funding based on a business’s card or online sales. Repayments are made as a percentage of daily receipts, aligning payments with trading performance rather than fixed monthly instalments.
Bridging Finance
Short-term property finance used to support purchases, refinances or time-sensitive transactions. Bridging facilities are typically used where speed or flexibility is required ahead of longer-term funding.
Commercial Mortgages
Commercial mortgages are used to purchase or refinance business premises or investment property. Terms are typically longer than other forms of finance, with repayment structures tailored to the property and underlying business.
HMRC
Funding
HMRC funding allows businesses to spread tax liabilities such as VAT or Corporation Tax over an agreed period. This can ease short-term cash flow pressure while maintaining compliance with HMRC.
Contact Us
Get in touch to see how we could help.
About Us
Novak Business Finance helps UK businesses secure the right business finance for their situation. Whether that’s funding growth, improving cash flow, or navigating more challenging periods, we can help.
We provide advice on a range of funding solutions, focusing on funding that works in practice, not just in theory. Our experience inside commercial lenders means we understand how funding decisions are really made — and how to position your business to get the right outcome.
As an independent brokerage, we work with a broad panel of UK lenders to structure funding based on your circumstances, keeping the process straightforward from start to finish.
Why work with us
Independent advice
We’re not tied to any single lender or product. That means our focus is on what’s right for your business, not what suits a particular funder.
Lender-side experience
We’ve worked inside commercial finance providers, so we understand how lenders assess risk, structure facilities and make decisions. This insight helps avoid wasted time and increases the chances of getting the right outcome first time.
Clear, practical approach
Business finance can be complex and time-consuming. We cut through the noise, explain your options clearly, and focus on funding that works in the real world.
Broad access to UK lenders
From mainstream banks to specialist and alternative funders, we have access to a wide range of lenders, allowing us to support businesses at different stages and in different situations.
Long-term support
We aim to build long-term relationships with our clients, supporting them as their funding needs change over time. As your business grows or your circumstances shift, we’re there to review existing facilities, adjust structures, and help plan the next stage.