The Horticultural Trades Association has launched a new retail finance partnership with Novuna Consumer Finance to help eligible members offer customers more choice at the checkout and support higher-value purchases.

For many customers, investing in their home or garden is not an everyday purchase. Whether it is new garden furniture, a patio project or investing in trees, shrubs and planting, these are often bigger decisions that take time to plan and budget for. Through the partnership, eligible HTA retail members can offer finance on purchases over £250, including Buy Now Pay Later, Interest-Free Credit and Interest-Bearing Credit.

Available both in-store and online, the finance offer gives customers more control over how they pay and makes it easier to spread the cost over time. It also helps members respond to customer expectations, improve the shopping experience and support higher-value sales, with Novuna, one of the UK’s leading retail point-of-sale finance providers, managing the finance application process and credit risk.

Jon Dixon, Director of Gifting Sales at the Horticultural Trades Association, said: "Garden centres continue to diversify the products and services they offer, with many customers making significant investments in creating and improving their outdoor spaces. Offering flexible payment options can make those purchases more accessible while helping our members increase sales and average transaction values.

"We're pleased to be working with Novuna to bring this new member benefit to the sector. We've secured a competitive finance offer that is straightforward for eligible members to introduce, helping them meet changing customer expectations and remain competitive in today's retail market."

Brian Flesk, Head of Retail at Novuna Consumer Finance, said: “We’re excited to launch our partnership with the HTA and support businesses across the horticultural sector with accessible, responsible finance solutions. We know that garden and home improvement projects are often carefully considered purchases, and we aim to help more customers bring those plans to life while supporting retailers in growing their businesses.”

The partnership is available to eligible HTA retail members with an annual turnover of more than £500,000. There are no upfront or set-up costs for the standard offer negotiated by the HTA, and retailers can apply through a simple online process.

Members interested in learning more about the retail finance partnership can visit hta.org.uk/novuna, contact the HTA membership team at membership@hta.org.uk, or speak to their relevant regional Member Engagement Manager.