Nucleus Invoice Finance

  • We have teamed up with Touch Financial to help you find the right invoice financing for your business
  • Compare invoice financing from Nucleus Commercial Finance against other leading providers today
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How invoice financing works

1
The order
Create an invoice for your customer, showing how much is owed to your business and when payment is due.
2
Cash advance
Send a copy of the invoice to a lender to release up to 100% of its value as a cash sum.
3
Repayment
When it is due, the lender receives the payment from the customer. The lender then sends your business any remaining amount on the invoice that wasn't originally financed, after deducting the prearranged fees.

This comparison service is provided by Touch Financial. Touch Financial is a finance broker, not a lender. Not all products offered by Touch Financial are regulated by the Financial Conduct Authority. They compare invoice financing services from a range of different lenders, aiming to find the one that best suits the needs of their business customers. Touch Financial consultants look at the profile of each business, including cash flow, accountancy needs, and any other specific requirements, to match them with the most appropriate invoice finance provider and product. Touch Financial is authorised and regulated by the Financial Conduct Authority (FRN:727220).

Last updated on 12 May 2022.

Nucleus Invoice Finance FAQs

Who is Nucleus Commercial Finance?

Nucleus Commercial Finance launched in 2011 as an alternative to traditional funding sources for British businesses. Since then Nucleus has lent UK SMEs more than £1bn via a range of different commercial finance products and services.

What is Nucleus invoice financing?

Invoice financing with Nucleus or any comparable provider is a financial product that allows businesses to leverage the value of invoices unpaid or outstanding, which enables them to finance investments or alleviate issues related to cash flow.

Can I use invoice financing to handle late payment?

Yes, invoice financing is ideal for those businesses that regularly experience late payment from clients. Nucleus invoice financing facilities allow you to sell your invoices and borrow a significant percentage of their value, which ensures you avoid losing out because of late payments which were beyond your control.

Does invoice financing incur added costs?

Yes, invoice financing providers such as Nucleus often charge some form of lenders’ fee. However, the fee is rarely more than a small percentage of the invoice’s total value, from which it is subtracted.

Where can I compare invoice financing products?

Our partner, Touch Financial, is one way you can compare the invoice financing Nucleus provides against that offered by other providers. Just follow the instructions at the top of this page, and a specialist consultant will be in touch to help match your business with the best offer from every comparable provider.

What is invoice factoring?

Invoice factoring is a form of invoice financing that Nucleus and other providers offer. It allows you to sell your invoices to a third party, known as a factoring company, via your provider. The factoring company is responsible for chasing up your clients on invoices while the provider supplies the cash injection, which is a percentage of these invoices.

How does factoring differ from invoice discounting?

Invoice discounting is a more discreet form of invoice financing that Nucleus and other providers can offer your business. Rather than having the factoring company or provider liaising with clients over invoices, you take control and thereby limit the likelihood of clients finding out about you leveraging your sales ledger.

Can I be found liable in any way for failed invoice payment?

Yes, but only if you explicitly signed up to a recourse agreement mechanism with your provider. This makes you liable to absorb risk and repay the provider, if clients fail to repay invoices properly. Always check terms and conditions before agreeing to any financial product.

Can I avoid liability for failed invoice payment?

As long as you signed a non-recourse agreement with your provider, you are protected from failed invoice payment and can continue to borrow using invoice financing. The non-recourse agreement means your provider absorbs the risks and costs of failed invoice payment from clients. They will usually ask for a higher fee to compensate for this.

Can it be harder to acquire invoice financing as a small business?

Some small businesses might struggle to acquire liquidity through Nucleus invoice financing products or comparable facilities from other providers if they have set specific criteria for a business to meet. This might include a threshold for turnover yet to be achieved, or proof that your business has been operating for a minimum period of time that you have not yet reached.

Services offered by this provider may change over time. Always check Ts&Cs.

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