SmallBusiness Loans

Our Small Business Loans offer a hassle-free alternative to getting funding from traditional lenders. Find out how you can access up to £250,000 and how it can help your SME fly.

Apply for a Small Business Loan
Rapid funding in 24 hours
Borrow from £10k to £250K
Flexible repayment periods

Small Business Loans explained

As a small business owner, it can be difficult to decipher which type of funding you need or are eligible for. At Nucleus, we’re here to help you decode the financial jargon and secure the business financing you need to make your dreams a reality. Small Business Loans are designed for small and medium-sized enterprises (SMEs) and can be secured or unsecured. An SME loan can give small businesses the funding boost they desperately need to continue flourishing in their marketplace. An SME business loan can be used for a variety of purposes, from expansion to paying unforeseen bills, helping small business owners tackle their financial challenges head-on and watch their businesses fly!

What can an SME loan be used for?

New business premises

Expanding, moving or acquiring a second branch. With your new Small Business Loan, the options are all yours.

Management buyouts

Remove the stress of a management buyout and get it done with an SME loan.

Marketing strategies

Reach a whole new audience by funding new marketing activities.

Hiring new teams

Recruit the right talent to ensure your business thrive

Growth

Unlock your company’s full potential with the financial support you need.

New product launches

Launch new products or restock your bestsellers. Small Business Loans make anything possible.

Unexpected costs

Handle whatever costs are thrown your way without having to make sacrifices.

Peace of mind

Reduce your stress levels by knowing you have the funding your business needs

Applying for an SME business loan: How it works

1

Your journey begins

Simply fill out our online application form and start your funding journey.

2

You receive an offer

In a few short minutes, our award-winning technology will provide your offer.

3

You sign your documents

Wherever you are, whatever device you use, sign your documents to secure your Small Business Loan.

4

Your funds are delivered

Get the cash directly to your business account the same day.

5

You make it happen

Use your funding to make your business thrive!

Get your Small Business Loan

Eligibility

  • Prove recent business profitability
  • Have a minimum of three years of trading history
  • Be registered in England or Wales
  • Own a home in England or Wales

Own a home in England or Wales

  • Your last three months’ business bank statements
  • A full set of your business accounts

Smoothing seasonal cash flow

Seasonal peaks and troughs can be ironed out with an SME loan. If your business sees seasonal peaks – like those in summer or over the festive period – you could use a Small Business loan to help.

Extended payment terms

Sometimes, it can be a real drag waiting for customers and clients to pay your invoices. Applying for a Small Business Loan could help you with temporary cash flow concerns. Plus, with no early repayment fees, you can pay off your loan as soon as you’re paid.

Continue expansion

You want your business to grow and thrive. A cash injection with a Small Business Loan now can help your business expand.

Accessibility

Many business owners feel they fall outside the requirements for traditional funding. At Nucleus, we provide small to medium business loans to all who meet the criteria, without our applicants having to put up collateral or assets. 

Frequently Asked Questions

To be eligible for a Small Business Loan, you must meet the SME loan requirements. These include proven recent profitability, homeownership and a continual trading history of at least three years.

With a Nucleus SME business loan, you can borrow from £10,000 up to £250,000. 

Our Small Business Loans can be taken out with up to five-year terms. However, if you borrow less than £75,000, we can only offer a maximum three-year term.

Once your SME loan has been approved, you could receive your funding in as little as 24 hours. 

There are many different reasons why you might need additional funding. Whether it’s for business growth or paying unexpected bills, an SME business loan can help.

Yes, to qualify for a Small Business Loan with Nucleus you need to own a home in England or Wales. 

No, we don’t believe in penalty payments if your business is thriving. That’s why there are no early repayment fees on our Small Business Loans.

Sometimes, your small business might need more funding than an SME loan can provide. Luckily, here at Nucleus, we have a whole range of SME loan products and additional types of funding to choose from. 

More Information