Our Cash Flow Finance loans are hassle-free unsecured commercial loans of up to £250,000. Find out more about how Cash Flow loans can benefit your business
Even out seasonal peaks and troughs in your cashflow cycle.
Tired of waiting for your customers to pay? Tackle long payment terms with Cash Flow Finance.
Achieve your dreams of hiring new staff, growing your business or taking on bigger projects.
Transform your business by completing our simple application form.
Our award-winning technology will provide you with an offer in minutes.
Sign your documents effortlessly from anywhere, any time, using any device.
Get access to your Cash Flow loan the same day.
Use your funds to start changing your business for the better!
We help thousands of UK SMEs transform their businesses every year
We’ve already lent well over £1 billion to SMEs in the UK. Your company could be next, and here are just some of the reasons why we’re seen as a premier provider of cash flow lending for businesses:
Range of funding
We can offer business cash flow loans from £10,000 to £250,000 to help you develop your company.
You can apply for funding online in a matter of minutes and you could receive the money the same day you are approved.
Our expert, friendly team will be on hand to guide you calmly through the process, answering any questions you may have about financing your cash flow.
We offer repayment periods of between three months and five years, depending on the amount you borrow.
No early repayment fee
You can pay off your cash flow loan ahead of schedule, at no extra cost.
Cash flow based lending can help take your business to the next level, and we have numerous examples of our funding helping SMEs do exactly that.
Lumpy cash flow
Business loans based on cash flow can help to even out seasonal peaks and troughs in your cycle. For example, a store in a seaside resort is likely to experience a surge in business through the summer months, but a drop in revenue during winter. Cash flow lending from Nucleus can help you through those quieter periods.
Long payment terms
Are you tired of waiting for your customers to pay? You can tackle long payment terms with a cash flow loan, which will provide the financial support you need during those periods where you’re waiting to receive money owed to you for the goods or services you provide.
Fulfil expansion plans
By financing your cash flow, you can achieve your dreams of hiring new staff, growing your enterprise or taking on bigger projects. It can be used for the development of businesses in all kinds of sectors and, as long as you spend the funding on your company, we place no restrictions on how it’s used.
A recent report from the government found that 41% of SMEs felt they would not be accepted for external funding. At Nucleus, we want to help as many people as possible, and our business cash flow loans are available to all those who meet the eligibility criteria. As an unsecured form of funding, you won’t have to put up your home or other assets as collateral.
A cash flow loan can offer the solution to a wide range of everyday business challenges. Here at Nucleus, we wouldn’t dream of telling you how to spend the money – it’s up to you how you run your company.
Are you looking to extend your existing space, move to another location or open another store? Financing for your cash flow could help you do just that.
If unforeseen circumstances crop up and you’re due to take a financial hit, a cash flow loan can help to soften the blow.
If you’re looking to make a significant move, you may require additional funds to help you achieve your aim.
Hiring new staff
If business is booming and you need to take on new employees, our cash flow based lending can help you bring in extra bodies.
Business cash flow loans can also be used for staff training, purchasing new stock or equipment, and revamping your marketing strategy.
Our business cash flow finance starts from £10,000. However, if you need to borrow less than that, we have other products which may be more suited to your situation.
The maximum repayment term for a cash flow loan is five years. Please note that this only applies to loans over £75,000.
If your application for cash flow lending is approved, you could have the funds in your account within 24 hours.
There will be no fees if you want to repay your cash flow loan ahead of schedule, as long as you settle the amount in full. You could even be entitled to a 10% discount.
Yes, our business cash flow loans are only open to homeowners in England and Wales. However, it’s an unsecured form of finance, so you will not have to put up your property as collateral.
To qualify for cash flow based financing, you need to be trading for at least 3 years.
If you’ve decided that a cash flow loan is not suitable for you and your business, you can check out our full range of funding solutions. We can even offer a bespoke combination of products, tailored to your needs.