Working Capital Loans

Obtain instant cash to cover your short-term needs

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  • Working capital loans up to

    €2,000,000

  • Monthly interest margin from

    0.15%

  • Get a dedicated study in

    48 hours

Instant liquidity to face your short-term commitments

Cutting edge technology applied to our Working Capital Loan platform

Thanks to our technology we are able to offer you a Working Capital Loan facility tailored to your company’s needs.

Core features:

  • Credit limit from €200.000 up to €2.000.000
  • Facility duration of 12 months with possibility to go for 24 months
  • Facility that allows multiple loan drawdowns during its duration
  • The loan amount can be up to the Credit limit of the Facility and any amount below that
  • Repayment can be done in a bullet payment at 3 months or by monthly installments at 3, 6 or 12 months
  • The repayment schedule should never exceed the Facility duration
  • Possibility of providing collateral (recurrent assignment of cash flows) for better terms or a higher line limit

A dedicated team of advisors to give you the best support

Our customer success team will help you navigate your day to day needs and solve any problem you might have.

Support features:

  • Personal account manager for every customer
  • 24/7 customer support
  • Available phone support
  • Web chat always available

A Working Capital Loan facility tailored to your company’s needs

With Collateral

Thanks to the provision of collateral (recurrent cash flows), you will be able to access the line with a higher limit or better conditions.

Doesn’t affect CIRBE

Our Working Capital Loan does not affect the CIRBE, so your credit score will not be affected, improving your debt capacity.

Flexibility

Financing to cover any of your working capital needs (taxes, payroll, supplies), with different repayment formats.

Working Capital platform

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

Risk diversification

Novicap’s Working Capital Loan facility helps you to diversify your funding sources and limits.

Analysis in 48h

We study your case in less than 48 hours so that you can find out the cost of financing and access liquidity quickly.

How to access to Novicap’s Working Capital Loan?

  1. Talk to an expert We will analyse your needs to see how Novicap’s Working Capital Loan can help your business
  2. Personalised financial study We will assess the risk and viability of the Working Capital Loan for your company
  3. Accept our proposal You will receive a personalised proposal with the detailed cost
  4. Receive the funds Novicap will take care of everything to offer you the requested financing in the shortest time possible

Some success stories of companies that have grown with Novicap

What do you need to get started?

Minimum requirements

To be eligible for Novicap’s Working Capital Loan, your company must have an annual turnover of more than €15M. If your company does not meet this requirement but is close to this figure, please contact us to explore your options.

Documentation

The registration process is easy and straightforward:

  • You can upload all documents online
  • Revision and approval is automatic
  • We don’t require any documents which are hard to obtain

Request a demo

One of our financial advisors will contact you so you can see how Novicap’s platform works and how you will manage your line.

    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.

    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

    Call us when in our working hours:

    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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