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Cash FlowOverdraftInvoice FinanceShort-Term Funding

Working capital.

Cash flow is the lifeblood of every business. If you're waiting on payments, covering seasonal peaks or need a buffer to keep trading confidently, we find the right working capital solution.

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How we help

What we do for you.

From your first conversation right through to completion, Finnovo Finance makes the process smooth and stress-free.

Overdraft facilities

A revolving line of credit so you can draw and repay as your cash flow allows.

Invoice finance

Unlock cash tied up in unpaid invoices without waiting for clients to pay.

Seasonal funding

Short-term finance to cover quieter months or ramp up for busy periods.

Trade finance

Fund inventory purchases or supplier payments before your customers pay you.

Right structure

We match the product to your cash flow cycle so repayments work with your business.

Multiple lenders

Banks and specialist non-bank lenders — we find who gives you the best terms.

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Ready to get started?

Book a free, no-obligation consultation. We'll assess your situation and show you exactly what's possible.

  • No cost to you, ever
  • Same-day responses
  • Available evenings and weekends
  • In person, phone or online
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Our process

How it works.

1

Understand your cash flow

We look at your trading cycle, peaks and troughs and what's causing the pressure.

2

Identify the right solution

Overdraft, invoice finance, trade finance — we recommend what actually fits.

3

Compare lenders

We compare rates and conditions across multiple providers.

4

Get funded

We manage the application and get you access to funds quickly.

FAQs

Common questions.

What's the difference between an overdraft and invoice finance?
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An overdraft is a revolving credit facility against your business. Invoice finance releases cash tied up in specific unpaid invoices. We'll recommend which suits your situation.

How quickly can I access funds?
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Some working capital facilities can be approved within 24–48 hours through specialist lenders.

Does it affect my relationship with my customers?
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Invoice finance can be structured confidentially so your customers don't know you're using it.

Is there a fee?
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For bank facilities there's typically no advice fee. Non-bank lenders may charge — we'll always tell you upfront.

Need to improve your cash flow?

Book a free, no-obligation chat with our team today.

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