Our missionHelping UK businesses thrive

Nucleus Commercial Finance was founded in 2011 with a mission to provide UK SMEs with alternative funding options.

Nucleus is a fast-growing business and we have already lent over £2.9bn to businesses across the UK and we’re on a mission to make solution-led finance accessible to more businesses than ever before, offering businesses from £3,000 to £2m to flourish and grow.

No bureaucracy, no rigidity: we support growing companies with the finance they need to flourish. Our range of products has been designed to package solutions that fit the needs of each individual business that we work with. Dependent on the product, we can provide you with the finance you need in as little as 24 hours.

Our team of specialists have a wealth of experience in business finance and banking and through their consultations with you will get to know your business and recommend a solution to fit. As such, we understand how to structure short, mid or long-term funding that helps your business grow.

At Nucleus, we combine the stability of bank finance with the flexibility and speed of alternative lending platforms. Our use of technology ensures delivery of the best experience for you and our relationship managers will make sure that you are well looked after once your finance is in place.

Whether you require, cash flow finance, property finance, revenue-based lending or merchant cash advance, we’ll find the best bespoke solution for your business.

Our products and services come with guaranteed expertise, honesty, and certainty. If you’d like to find out more, please contact one of our credit specialists.


Global Team


Amount lent


Since 2011


Chirag Shah

Chirag Shah

Founder & CEO

Chirag Shah is a founding partner of Nucleus Commercial Finance. Prior to establishing Nucleus, Chirag was Portfolio Manager at Acheron Capital Ltd, a London-based asset manager focusing on acquisitions in the life insurance space. He was responsible for sourcing, due diligence, monitoring and liquidation of distressed investments in ABL deals, ABL hedge funds and life settlements.

Chirag Shah

Gordon Titley

Non-Exec Director

Gordon has over 25 years’ experience in the invoice finance, asset based lending and restructuring industry.

Chirag Shah

Simon Willmett

Finance Director

Simon joined Nucleus in June 2015 as the Company’s Finance Director. Prior to joining Nucleus Simon worked in corporate restructuring for 13 years, ten of which were spent at Deloitte in London.

Chirag Shah

Deborah Hardy

Non-Exec Board Member

Deborah joined Nucleus as a Director in 2022. She brings over 30 years’ experience in of operational experience delivering a wide range of both client and supplier focused solutions. Having worked on both the buy and sell side she brings a depth of understanding and relationship driven skills. She has previously worked in a variety of Industries including general and commercial insurance, financial services and marine science services. Deborah is an approved individual in the UK by the Financial Conduct Authority (FCA) to perform a Senior Management Function.




Nucleus Commercial Finance is not currently accepting any new investment.

Predictability is important to all growing businesses. To succeed, they need a solid, stable financial foundation: if funding collapses at a critical moment, it could be devastating.

At Nucleus, we don’t ‘auction and loan’. Reliability and trust are our watchwords: our guaranteed long-term credit and bank lines give investors and clients alike the confidence to work with us on an ongoing basis. Our management team has a wealth of experience, has been drawn from giants such as Merrill Lynch, Wells Fargo, Nomura, Mitsubishi and Deutsche Bank.

Having our own capital reserves give us an unusual degree of discretionary power. Investors know if we don’t partner with the right businesses then we’ll be the first to feel the effects. We excel in providing finance to good businesses rejected by banks – but are highly discerning about who we will lend to.

Our financial expertise makes us such a good partner for institutional investors active in the alternative business lending space, that we no longer accept external investment for our products. Our reputation for lending, managing, and recovering capital precedes us, and we can afford to be selective – a privilege we exercise.

If you’d like to find out more about our funding, get in contact with one of our financial experts.


At Nucleus, we are always looking for bright and brilliant professionals to join the team. We are on a mission to make solution-led finance accessible to more businesses than ever before. So far we have lent over £2.9bn to businesses across England and Wales and have eight products, offering businesses from £3,000 to £2m to flourish and grow.

If you are interested in joining our team, please contact us at [email protected].

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