Working capital, growth funding, acquisition finance, and bridging deals — Novara structures business loans secured and unsecured, across a broad panel of bank, non-bank, and private-credit lenders. Whether the deal is $100K to keep payroll smooth through a slow quarter or $10M to acquire a competitor, we know who's lending and on what terms.
Business loans are funded against your operating cashflow, balance sheet, and trading history rather than a single underlying asset. The right product depends on what you need the money for and how long you need it.
Term loans from non-bank business lenders priced off operating cashflow and trading history rather than physical security. Settlement is fast — often inside a week — at a higher rate than secured paper. Useful for working-capital gaps and short-cycle growth investment.
Term loans secured by property, business assets, or a charge over the company. Bank and non-bank lenders both compete in this space. Lower headline rate, longer term, more capacity for larger deals — but slower to settle and more documentation-heavy.
Business loans cover the gaps that asset-backed finance can't. Get the use case right and the structure follows.
A regional construction operator approached Novara with a six-week window to acquire a smaller competitor's contracts and equipment. The brief: fund the acquisition without disturbing the existing banking relationship and structure repayments around the acquired business's cashflow.
We placed a $2.5M unsecured business loan with a non-bank lender at a higher headline rate but a two-week settlement window. The acquisition closed on schedule, the existing bank line stayed entirely untouched, and the operator refinanced into a cheaper secured facility once the acquired business was consolidated and the combined balance sheet supported it.
The Big 4 compete on cheap secured business lending for established operators with property security and clean trading history. Non-bank lenders — Prospa, ScotPac, Judo, Liberty — extend further into smaller operators, ABN-under-two-years, and unsecured deals, at higher rates and faster settlements. Private credit fills the top end for larger or more structured deals. Knowing where to start is half the win.
Working capital, growth, acquisition, bridging — speak with our team about which lender will fund the deal, on what terms, and how fast we can settle it.