Nucleus Business Loans

- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
Compare Nucleus Business Loans
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Nucleus Merchant Cash Advance
- Borrow up to 125% of your monthly card volumes
- Pay back little by little through your customer card transactions
- Fast service - receive your funding in 24 hrs
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Minimum Turnover
£2,400+ in card transactions per month
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Available Amounts
£3,000 to £150,000+
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Available Terms
4 to 12 months
Company details
- Fast service - receive your funding in 24 hrs
- Human approach - Nucleus's in-house experts will guide you through the process
- No early repayment fee
Eligibility criteria
- Business registered in England, Wales or Scotland (Scotland max advance £40k)
- Minimum 4 month's trading history
- Minimum advance £3,000
- Minimum 10 card transactions per month
- Minimum £2,400 card revenue per month
- Property Owner (if advance is over £75k)
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Nucleus Short Term Business Loan
- Hassle-free, unsecured, commercial loans for 3 months to 3 years
- Fast – Quick decisions, receive your funding in 24 hours
- Suitable for various business needs
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Minimum Turnover
No minimum
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Available Amounts
£25,000 to £200,000
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Available Terms
3 months to 3 years
Company details
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
Eligibility criteria
- Proven profitability in recent accounts
- Minimum 3 years trading history
- Company registered in England and Wales
- Homeowner in England and Wales
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Nucleus Unsecured Loans
- 2 minute eligibility check
- Fast - Quick decisions, receive your funding in 24 hours
- Award-winning business finance
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Minimum Turnover
No minimum
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Available Amounts
£25,000 to £200,000
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Available Terms
3 months to 3 years
Company details
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
Eligibility criteria
- Proven profitability in recent accounts
- Minimum 3 years trading history
- Company registered in England and Wales
- Homeowner in England and Wales
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Nucleus Working Capital Loan
- Hassle-free, unsecured, commercial loan of up to £150,000
- Fast – Quick decisions, receive your funding in 24 hours
- Even out seasonal peaks and troughs in your cashflow cycle
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Minimum Turnover
No minimum
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Available Amounts
£25,000 to £200,000
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Available Terms
3 months to 3 years
Company details
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
Eligibility criteria
- Proven profitability in recent accounts
- Minimum 3 years trading history
- Company registered in England and Wales
- Homeowner in England and Wales
Compare similar products from other providers
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EJ Finance
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£10,000 to £10,000,000
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Available Terms
1 months to 10 years
Company details
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
Eligibility criteria
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
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Funding Circle
- Borrow £50,001 to £500,000 with the Government's CBIL scheme
- Nothing to pay until 2022 - No upfront fees - No early settlement fees
- Simple online application & decisions in as little as 5 hours
- Rates between 1.8% and 7.4% APR
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Minimum Turnover
£200,000+ p.a.
-
Available Amounts
£50,001 to £500,000
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Available Terms
2 to 5 years
Company details
- Funding Circle, supporting small businesses for over 10 years
- Used by over 57,000 UK businesses
- All Funding Circle do is small business, as a result 9 out of 10 of their businesses would come back first next time
Eligibility criteria
- UK-based business - 3 years of trading history - Adversely affected by coronavirus
- Loan primarily for trading in the UK
- Annual turnover from £200K+ up to £45 million - Over 50% of turnover from trading activity (e.g. not from investments)
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Swoop Funding
- Simple, secure and speedy access to over 1,000 funding providers without affecting your credit rating
- Experts in CBILS – borrow from £50k to £250k with no personal guarantee, no fees, no repayment for 12 months, no early settlement fee
- Speak to Swoop's team of experts – five-star Trustpilot rated
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£1,000 to £10,000,000
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Available Terms
3 months to 6 years
Company details
Eligibility criteria
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Fluidly
- Instantly see funding products your business is eligible for, from across the market (no credit checks)
- A dedicated 5-star rated Funding Specialist on hand to support your application end-to-end (no hidden fees)
- Range of products available including CBILS, unsecured loans and asset financing
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Minimum Turnover
£100,000 p.a.
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Available Amounts
£50,000 to £10,000,000
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Available Terms
1 to 10 years
Company details
- Hassle free funding options within 30 seconds
- Team of 5-star rated Funding Specialists are on hand to support your application
- A range of products available including CBILS, unsecured and asset financing
Eligibility criteria
- Hassle free funding options within 30 seconds
- Team of 5-star rated Funding Specialists are on hand to support your application
- A range of products available including CBILS, unsecured and asset financing
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Fleximize
- Voted "Best Business Finance Provider" at the British Bank Awards 2020
- Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
- Interest charged on a reducing balance, repay early and only pay for the time you had the loan
- Rates from 0.9% per month (10.8% per annum), with no additional fees
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Minimum Turnover
£60,000 p.a.
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Available Amounts
£5,000 to £500,000
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Available Terms
3 months to 4 years
Company details
- Voted "Best Business Finance Provider" at the British Bank Awards 2020
- Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
- Interest charged on a reducing balance, repay early and only pay for the time you had the loan
- Apply online in minutes, receive funds in as little as 24 hours.
Eligibility criteria
- Minimum annual turnover of £60,000 p.a.
- Borrow between £5,000 and £500,000
- Business activities must be UK-based and impacted by Covid-19
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Portman Asset Finance
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated CBILS specialist account managers
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Minimum Turnover
£150,000+ p.a.
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Available Amounts
£10,000 to £10,000,000
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Available Terms
Up to 5 years
Company details
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated CBILS specialist account managers
Eligibility criteria
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated CBILS specialist account managers
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Selina Finance Business Loans
- Specialist digital lender offering secured business loans and flexible credit lines
- Apply online and get a personalised loan offer in just 15 minutes
- Secured loans with no fees or early repayment charges
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Minimum Turnover
£30,000 p.a.
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Available Amounts
£25,000 to £1,000,000
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Available Terms
6 months to 30 years
Company details
- Specialist digital lender offering secured business loans and flexible credit lines
- Apply online and get a personalised loan offer in just 15 minutes
- No fees or early repayment charges
Eligibility criteria
- Secured property must be residential and have an active mortgage
- Residential property must have a value of more than £50,000
- Homeowner must be based in England, Wales, Scotland or Northern Ireland
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365 Business Finance
- A flexible business funding alternative
- Cash advanced against card transactions
- Pay back an affordable % of your card transactions
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Minimum Turnover
£5,000+ card transactions per month
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Available Amounts
£5,000 to £200,000
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Available Terms
4 to 18 months
Company details
- Get between £5,000 and £200,000
- Pay back through your customer card transactions
- A single all inclusive charge that never changes
- No interest, APRs or hidden extras
Eligibility criteria
- Your business must have been trading for at least 6 months
- Your business must accept debit and credit card payments
- Your business must take at least £5,000 per month in card transactions.
Also for Business
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Award-winning comparisons you can trust
It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.
Featured brands
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365 Business Finance Business Loans
Merchant cash advance provider offering unsecured finance to small and medium size businesses that accept credit/debit card payments.
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B2Bfinance.com Business Loans
B2Bfinance.com is a commercial finance brokerage, established in 2005, that covers a wide range of product types and lenders.
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EJ Finance Business Loans
Broker offering access to over 200 lenders, covering all sectors and business types.
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Fleximize Business Loans
Flexible business loans with secured and unsecured borrowing options and dedicated support for customers.
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Fluidly Business Loans
Tailored funding on a range of commercial finance products for all types of business.
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Funding Circle Business Loans
Commercial peer-to-peer platform that connect businesses in need of funding to willing investors.
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Funding Hut Business Loans
FCA-authorised broker offering a range of finance types and a quick application process.
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Nucleus Business Loans
Launched in 2011, Nucleus Commercial Finance is a specialist business lender that offers a range of loan types from asset funding to property finance.
Read more -
Portman Asset Finance Business Loans
Business finance broker with specialist sector experience to offer fast and flexible finance solutions.
Read more -
Selina Finance Business Loans
Flexible credit lines products, available for a number of commercial uses, secured against the borrower’s personal property.
Read more -
The Start Up Loans Company (British Business Bank)
A subsidiary of the British Business Bank, the Start Up Loans Company was created to provide funding for new businesses.
Read more -
Swoop Funding Business Loans
Simple, secure and speedy access to over 1,000 funding providers without affecting your credit rating.
Read more
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.