Cash Flow

Cash Flow Finance

Cash Flow Finance is a hassle-free, unsecured commercial loan of up to £250,000. Read on to find out how a cash flow loan from Nucleus could benefit your business

£10k to £250k
Three months to five years*
Funding in 24 hours


If your business needs a cash flow boost, then this could be the perfect product for you. Whether you’re looking to expand your premises or workforce, take your company to the next level or cover an unexpected bill, cash flow lending is the ideal solution.

Cash flow finance from Nucleus is an unsecured form of business funding that can help you push your company into greater heights. And rest assured that if you are seeking an alternative source of financial support, you’re certainly not on your own. A recent study from the British Business Bank found that the level of lending from banks to SMEs has plateaued over the past few years. Meanwhile, alternative forms of finance have seen significant growth across that same period.

If you’re looking for cash flow based financing, you’ve come to the right place. We can lend you between £25,000 and £250,000 repayable over three months to five years*.

Our business cash flow loans are unsecured, so you won’t have to put up your home or any other assets as collateral. We combine the expertise and credit facilities of a traditional bank with the speed, flexibility and transparency of alternative lending. Here, we’ll tell you everything you need to know about business cash flow finance.

*Terms will now be extended to a maximum of five years for all loans over £75,000. Any cash flow loans under £75,000 will still be subject to a maximum term of three years.


A cash flow loan can offer the solution to a wide range of everyday business challenges. 

 new premises  unexpected bills  management buy out  hiring new staff  growth

Download the Cash Flow Finance fact sheet


Lumpy cash flow

Even out seasonal peaks and troughs in your cashflow cycle

Long payment terms

Tired of waiting for your customers to pay? Tackle long payment terms with Cash Flow Finance.

Fulfil expansion plans

Achieve your dreams of hiring new staff, growing your business or taking on bigger projects.



You identify that your business needs finance and apply online.


We call you for a consultation and confirm that your business is eligible.


You send us your documents and we send you an offer.


Once accepted, we can provide the funds on the same day.


You use the funding to achieve your business goals.



We want to make your life easier. That’s why we’ve made the process of applying for cash flow lending as simple as possible. Below are the criteria you need to meet, the documents we’ll ask for and the steps for you to follow.


  •  Proven profitability in recent accounts
  •  Minimum 3 years trading history
  •  Registered in England and Wales
  •  Homeowner in England and Wales


  •  3 months' business bank statements
  •  Full set of business accounts

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 £25,000 to £250,000 to help you develop your company.

Quick service

You can apply for funding online in a matter of minutes and you could receive the money the same day you are approved.

Human approach

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.

Flexible terms

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.

Read Our Client Stories

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. 

New premises

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.

Unexpected bills

 If unforeseen circumstances crop up and you’re due to take a financial hit, a cash flow loan can help to soften the blow.

Management buyout

 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 £25,000. 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.

More Information