Nucleus Business Loans

Nucleus Business Loans logo
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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.