For many small businesses and accountancy firms in the UK, keeping cash flow healthy can be a major challenge. There are times when bills are ready, but income hasn't arrived. Or there may be a chance to invest in marketing, new kit, or training—but not enough funds on hand. Traditional bank loans often take too long, ask for collateral, and come with fixed repayments. This is where Nomi Cash Advance provides a smart and simple alternative.

This guide explains how Nomi Cash Advance works, why it suits small firms, and how accountants can use it to help clients without adding more admin.

What Is Nomi Cash Advance?

  • It's a funding option built into your Nomi accounting platform 

  • Offers a single fixed fee (no compounding interest)

  • No collateral needed, no assets are put at risk

  • Payments flex with your sales: pay more when business is better, less when cash is tight

  • You can borrow up to twice your average monthly turnover 

How It Works in Minutes

  • Complete a quick form in a few minutes through Nomi

  • Receive multiple funding offers the same day

  • Choose your preferred offer and get funds in as little as 48 hours 

  • Soft credit check means no impact on your credit score

Why It Works for Small Businesses

  • Emergency Expenses – handle VAT, PAYE, rent or utility bills on time

  • Growth Funding – afford marketing campaigns, staff training or new tech

  • Smooth Cash Flow – bridge gaps between invoicing and payment

  • No Fixed Repayments – payment rises and falls with turnover

  • No Asset Risk – your property or machinery stays untouched

Ideal for Accountants and Bookkeepers

If you're supporting small business clients, Nomi Cash Advance lets you:

  • Offer funding options easily during regular discussions

  • Keep everything within your existing accounting workflow

  • Help clients avoid late payments or missed opportunities

  • Build loyalty by supporting clients in growth or difficult times

Comparing with Traditional Lending

Feature Traditional Bank Loan Nomi Cash Advance
Application Time Days to weeks Minutes online
Repayment Terms Fixed monthly payments Flexible, based on turnover
Collateral Often required Not required
Interest Stackable and variable Single fixed fee
Integration Separate from software Built into Nomi accounting
 

Key Benefits at a Glance

  • Fast: funding decisions same day, money in 24–48 hours

  • Simple: fixed fee, no hidden costs

  • Flexible: rentable repayments match cash flow

  • Secure: no collateral means no personal risk

  • Seamless: works inside Nomi's software platform

Best Uses for Nomi Cash Advance

  • Meet tax obligations on time (VAT, PAYE)

  • Invest in short-term projects like advertising or events

  • Buy new equipment or upgrade your tools

  • Refill inventory or fit-out for seasonal demand

  • Cover unexpected costs like repairs or regulatory fees

How Nomi Supports Small Firms

  • All-in-one platform – bookkeeping, payroll, tax, practice management, and funding within a unified system 

  • OCR scanning – catch receipts and documents via mobile app

  • Practice tools – track deadlines, staff, tasks and client communications

  • Compliance – HMRC-ready submissions for VAT, payroll, tax

  • Secure environment – UK-based hosting with encryption and backup

Conclusion

Nomi Cash Advance fills a big gap for small firms: quick, manageable funding without the stress of traditional loans. With a fixed fee and flexible repayment, it's a safe and practical way to handle growth or seasonal strain.

For accountants and bookkeepers, it's a powerful tool to offer clients helping them stay agile and supported using the platform you already use together.

Nomi Cash Advance is ready to help you.

Visit Nomi today to explore options or start a free 30-day trial