Nucleus Business Loans

Nucleus Business Loans logo
  • Compare Nucleus business finance products in the table below.
  • Get information on terms and amounts for the different commercial loan types that they offer.
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    • Nationwide Finance help 35,000 businesses get finance each year
    • Direct funder - not a broker
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    • Minimum Turnover
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    • Available Amounts
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    • Available Terms
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  • Funding Circle logo

    Funding Circle

    • Your business must have a minimum of 2 years’ trading history
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    • Simple online application and decisions in as little as 5 hours
    • Rates from 3.9% per year - No early settlement fees
    • Minimum Turnover
      £16,700 p.a.
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  • Puzzle Funding logo
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    • YOUR BUSINESS MUST HAVE A MINIMUM OF 6 MONTHS’ TRADING HISTORY
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    • Apply in 3 minutes and get funds in as little as 1 hour
    • High acceptance rate
    • Minimum Turnover
      £100,000 p.a.
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  • Capify logo

    Capify

    • Your business must have a minimum of 1 years trading history. No sole traders.
    • Capify loans are paid back in very small automated regular payment; either daily or weekly
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    • Minimum Turnover
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  • Fleximize logo

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    • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
    • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
    • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day
    • Minimum Turnover
      £60,000 p.a.
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  • Swoop Funding logo
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      £100,000 p.a.
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  • Funding Xchange logo
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    Funding Xchange

    • Access 70 lenders from one simple funding request
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  • iwoca logo

    iwoca

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      £50,000 p.a.
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  • 365 Business Finance logo

    365 Business Finance

    • Your business must process credit and debit card transactions to apply for this product
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      £10,000 to £300,000
    • Available Terms
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Last updated on 14 December 2021.

Nucleus Business Finance FAQ

Who is Nucleus?

Nucleus is a UK-based alternative provider of finance options to businesses in the UK. It was established in 2011 and is backed by a range of investors, including hedge funds, institutions and banks offering services and products to businesses and enterprises.

What services and products does Nucleus offer?

Nucleus offers a range of services including secured loans, unsecured loans, cash advances, invoice finance and asset based lending.

What are business cash advance loans from Nucleus?

A business cash advance is a type of lending based on future revenue. Nucleus offers businesses that use card payments a Business Cash Advance (BCA) that functions like a business loan with flexible monthly payments. This funding is calculated on a company’s card takings. This is an unsecured loan that does not affect personal credit.

Who can apply for Nucleus cash advance loans?

Nucleus funds businesses registered in the UK who process over a certain amount of transactions each month.

What industries does Nucleus lend to?

Nucleus lends to business owners in a range of industries and sectors in need of financial services.

What can I use a Nucleus cash advance loan for?

Businesses can use the money they borrow from Nucleus for almost any business related purpose. This can include company growth, investing in new premises, stock, new equipment or working capital.

How do I apply for Nucleus cash advance loans?

To apply for a Nucleus cash advance loan, use our comparison tables to navigate to the company’s website. You can then follow the directions to fill in an information request sheet with details of your business, loan information and personal details. A member of the Nucleus team will then contact you to give you feedback on your application.

How does Nucleus vet its borrowers?

When considering your application, Nucleus will consider several factors relating to your business. This will include eligibility criteria such as your company history and volume of card transactions processed each month. Other documents will also be processed such as the information provided in your application form, bank statements and card statements.

How does a business cash advance work?

Business cash advances, like those offered by Nucleus, allow businesses to receive advances in capital based on money processed by card payments. Companies like Nucleus will provide funding in exchange for a percentage of the daily card transaction amount. This is sometimes called a ‘split’.

How much do you pay back each month with business cash advance loans?

Unlike other business loan types, businesses do not pay back a fixed rate every month with business cash advance loans. The payment amount made by a business will be determined by the daily takings in card payment by the company, which can vary from day to day, or month to month. There will be a fixed percentage that applies to this loan type arranged between the lender and the business. The available borrowing amounts will depend on the total amount of money generated through card transactions.

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