working capital management

Award-winning technological solutions to drive your business forward

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Novicap's credit division in numbers


Volume financed


Invoices financed


Businesses financed


Up to €200M in committed funding

Working capital solutions to drive your business forward


Get your invoices paid early and access liquidity to improve your cash flow

  • Get paid in 48 hours
  • No hidden fees or conditions
  • Finance public administration debtors without recourse
  • High exposure on single debtors

Reverse Factoring

Offer financing to your suppliers and optimise your supply chain

  • Automated onboarding
  • Dedicated supplier support
  • Flexible payment terms
  • Diversify your funding

Working Capital Loans

Meet your short-term commitments with our Working Capital Loans solution. You will obtain liquidity in a fast and simple way.

  • Does not consume CIRBE
  • Obtain liquidity quickly
  • No need to provide invoices
  • Flexible repayment schemes

Dynamic Discounting

Offer financing to your suppliers with an early payment discount program using your excess liquidity or bank financing

  • Increase return on excess liquidity
  • Profitability without risk
  • Improve supplier relationships
  • Avoid custodian bank fees

Our platform

Our financing and optimisation solutions for working capital are possible thanks to the technology that flows through our platform. By applying our advanced technology to financial services, we're able to provide outstanding service and adapt to the needs of our customers.

100% online working capital platform

Through our platform you will be able to access your facilities in just a few clicks and carry out all the operations you need at any time. Forget about paperwork and discover what agility really means.

Key features:

  • 24/7 accessible platform
  • Financing within 24 hours
  • No paperwork

All your working capital facilities in one place

On our platform you can manage and operate all your working capital financing and optimisation facilities. You will be able to access new facilities and expand your operations.

Key features:

  • Access to all your lines
  • Manage your limits
  • Sign up for new lines

Bank-level security to protect your facilities

Our platform is supported by a fully secure infrastructure that ensures your money, your data and all your transactions run in a safe and secure environment.

Complete control over all your movements

On our platform you will be able to see all the movements of your financing lines in detail and know the status of your financing in real time.

Key features:

  • Cash flow reporting of your lines
  • Download customised reports
  • Details on every movement

Innovative working capital solutions that match the needs of your business

Working capital platform

Our platform is 100% online, meets the highest security standards and is accessible 24/7.

More than €1.5B in financed volume

We have channeled more than €1.5B to our clients to date, having paid early more than 115,000 invoices from more than 4,000 companies.

Security & compliance

We meet the highest standards of security and compliance to ensure that our clients' money is always in safe hands.

Flexible credit requirements

At Novicap we believe in companies and their projects. That's why we finance based on our clients' future, not their past.

Customer service and support

Our main objective is to offer the best possible customer service and support. You will have a personalised account manager to solve all your problems.

Diversify your financing

Expand your financial pool beyond banking and ensure a complementary source of financing that you can also count on when the bank says "no".

Award-winning technology

Some success stories of companies that have grown with Novicap

Madrid Barcelona London


Offices in Spain and the UK

From the cradle of innovation in London, we have expanded into Spain, extending our network throughout the country thanks to our offices in Barcelona and Madrid and our presence throughout the territory.

How can we help you?

A team at your service

Novicap has a team of advisors at your service to help you analyse and choose the best financing solution for your company and get the most from our technology.

Let's Talk
Carlos and MarinaFinancial experts at Novicap

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Talk to a financial advisor

Novicap informs you that your personal data will be used to attend your request and send you electronic communications about our services. Said data will not be disclosed with third parties and you can exercise your data protection rights according to the following Privacy Policy

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Monday to Friday

8:00 to 18:00

Give us your phone number and we will call you in less than 10 minutes.

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