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CONSUMER FINANCE

THE BICYCLE ASSOCIATION SCHEME

The Bicycle Association and Novuna Finance have teamed up to create an exclusive package for UK bicycle stores. 

Our competitive rates package, easy sign-up process and intuitive online consumer portal allows stores to offer their consumers a more flexible way to pay. Offering lower turnover thresholds and better rates that retailers could achieve on their own.


The BAs package is designed to help with the 5 key challenges that retailers have identified to us:

  • FCA License - start trading with up to 10 months consumer terms without a license, plus help with getting your own (or using an Appointed Representative Scheme)
  • Integration - we're actively reaching out to all the EPOS/ECOMM providers (please see list below)
  • Rates - The Novuna scheme offers competitive rates by grouping retailers together in one scheme
  • Sign Up Fees - there are no sign up or Admin fees with the BA or Novuna to access the scheme
  • Minimum Turnover - currently there is no minimum to apply (though active accounts may be reviewed for periods of inactivity)


Retailer Qualifying Criteria:

  • Open to all retailers - both with, or without, an FCA license
  • 2 years accounts, with most recent accounts profitable
  • Net assets of £25k or more

KEY FEATURES

Finance

  • £250 - £25,000 consumer purchase range
  • Competitive Rates and Varying repayment periods (see rate card)
  • Market leading acceptance rates
  • Offer consumers up to 10 months without an FCA license, or up to 48 months with FCA


System

  • Soft search facility – pre-qualify your consumers without the concern of a hard credit check
  • E comm integration (many major platforms plus Citrus Lime* to follow summer 2025)
  • Full API documentation for any bespoke integration.


Support

  • System and compliance training plus PDF in-store manual
  • Standard in-store POS – assistance with compliance if creating your own bespoke POS
  • External assistance with FCA License if required
  • Easy 1:1 sign-up process over Zoom/Teams/Hangouts with dedicated Account Manager

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The Novuna Portal

Novuna is a credit system designed with retail in mind.

The application platform is quick, simple and provides a great customer experience from start to finish. You’ll find no clunky tech or lengthy applications here – just flexible ways to pay for your customers.

INTEGRATION & PLUG-INS

The BA-Novuna scheme is designed to be as universally accessible to IBDs as possible. If you have a bespoke system, or you don't see your EPOS/ECOMM provider listed here, please enquire using the SIGN UP button below and let us know the details of your system/provider. We'll do our best to connect everyone.


ABACUS - Live - LIVE: Push, i-Bikeshop, WOO COMMERCE. Abacus TBC

ASCEND - Live - Integration through Push, Shopify and others.

BIKEDESK - Live - E-Comm live and Integrated, In-store only under development, coming soon.

CITRUS LIME - Live

CYBERTILL - TBC

EVOPOS - In Discussion

LIGHTSPEED - TBC

MAGENTO - Live

PUSH - Live

SALEDOCK - TBC

SEANIC - Live - Full integration with i-Bikeshop websites. Able to link with other web platforms such as Push, Magento, Woo Commerce.

SHOPIFY - Live

SiWIS / i-Bikeshop - Live - Full integration via i-Bikeshop websites.

WOO COMMERCE - Live

IN-STORE ONLY - Open / Live - The Novuna Cloud / Web Based System is available for stores who do not have an EPOS/ECOMM system.



Sign Up Today

Competitive rates package, easy sign-up process and intuitive online consumer portal allows stores to offer their consumers a more flexible way to pay. 

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