Fast, unsecured business loans from £10k to £500k

We offer unsecured business loans, so you don’t have to put up your home or any other assets as collateral. You can benefit from the speed, flexibility and transparency of alternative lending. Here, we’ll tell you everything you need to know about Nucleus Business Loans.

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£10K to £500k
Three months to six years

What are the benefits of Nucleus Business Loans?

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 Nucleus Business Loans.

Fulfil expansion plans

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

What can Nucleus Business Loans be used for?

Working capital

Boost cash flow and ensure smooth day-to-day operations
with the right amount of working capital.

Marketing

Boost your brand. Invest in marketing strategies to elevate
your brand’s visibility and reach.

Equipment purchase

Upgrade your gear. Invest in state-of-the-art equipment
that enhances productivity and efficiency.

Inventory

Stock up for success. Increase your inventory to meet
customer demand and boost sales.

Settling debts

Clear outstanding bills. Use our loan to settle overdue bills
and regain control of your finances.

Emergency repairs

Fix urgent issues. Address critical repairs promptly
to prevent business disruptions.

To learn more about Nucleus Business Loans, download our factsheet

What is an Unsecured Business Loan?

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, our Nucleus Business Loans are the ideal solution.

Nucleus Business Loans are an unsecured form of business funding that can help you push your company to 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, the awareness of alternative forms of finance saw significant growth across that same period.

If you’re looking for a cash flow loan for your small business, you’ve come to the right place. We can lend you between £10k and £500k repayable over three months to six years.

Our Nucleus Business 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 Nucleus Business Loans.

How do Nucleus Business Loans work?

1

Apply online in minutes

Transform your business in just a few simple minutes with our super easy application form.

2

Rapid decision

Get your offer almost instantly with our award winning technology.

3

Accept offer

If you wish to proceed with the agreement, you can sign your documents remotely and effortlessly on any device, anytime.

4

Receive your funds

You start spending your business loan to reach the potential you’ve always dreamed about.

5

Flexible repayments

Easy repayments await through fixed, weekly direct debits. Nice and simple, as it should be.

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What do you need to get a loan

Eligibility

  • Minimum 12 months trading history
  • At least one Director based in the UK

Documents

  • Access this product via Open Banking and Open Accounting

We help thousands of UK SMEs transform their businesses every year with our unsecured loans

Apply Now *Applying does not affect your credit score

We’ve already lent well over £2.8 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 loans between £3k and £500k to help you develop your company.

Quick service

You can apply for our loans 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 any of our commercial loans

Flexible terms

We offer repayment periods from a few months up to 7 years,  depending on the amount you borrow and through which product.

Read Our Client Stories

Lumpy cash flow 

Busleus Business Loans 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 trade through the summer months, but a drop in revenue during winter. Nucleus Business Loans 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 Nucleus Business 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

Accessibility

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 Nucleus Business 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 Nucleus Business 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? Nucleus Business Loans could help you do just that

Unexpected bills

If unforeseen circumstances crop up and you’re due to take a financial hit, a Nucleus Business 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 Nucleus Business Loans can help you bring in extra bodies.

Growth

Nucleus Business Loans can also be used for staff training, purchasing new stock or equipment and revamping your marketing strategy.

FAQs

With Nucleus, business loans start from as little as £10,000, however, if your business is seeking financing lower than this, there are still other loan options available.

If our business loan minimum is not suitable for your business currently but you would like to explore other options, please do not hesitate to contact us at any time on – 020 7839 1980 – to make an inquiry with one of our teams. Alternatively, you can request a call back at a time convenient to you.

Business loans are designed to help small businesses finance daily operations. An example could be a bakery needing £150,000 to purchase equipment and machinery to create its produce. A business loan would help the owner finance these supplies with the view that this will be paid back (with interest) once the produce is sold.

Nucleus Business Loans can be used by those who do not have the required assets to secure asset-based funding. Similar to a standard loan, you could also use the finance for renovating your premises, hiring staff, building a website or even paying rent or bills – the choice is yours. 

Many advantages come with a well utilised business loan, and can help businesses of all sizes in the pursuit of their goals. Most businesses will experience financial ebbs and flows as they expand, so a loan can provide both security to help during tough times, and opportunity for when you are ready to capitalise on your next opportunity.

Benefits of business loans unique to Nucleus include:

  • They are unsecured – as well as often being quicker to arrange than secured loans, Nucleus Business Loans don’t require you to put up your property or assets as collateral.
  • They are quick – Over 95% of deals are decisioned within 1 minute.

A concise breakdown of Nucleus business loan advantages can be found in our fact sheet.

Asset-based lending is secured by specific assets, while business loans have the opportunity of being unsecured. Asset-based loan amounts can change depending on the worth of the collateral whereas business loans are typically arranged as term funds with a constant payment amount.

Asset-based lending is only suitable for businesses that have assets to secure the loan against. It is a popular option for those that have the value of their property, machinery, equipment or fleet of vehicles on their balance sheet.

Business Loans, on the other hand, can be granted unsecured, and due to this tend to have a higher interest rate suiting them businesses with an established and healthy cash flow.

The maximum repayment term for a Nucleus Business Loan is six years. 

If your application for a Nucleus business loan is approved, you could have the money in your account within 24 hours.

As a lender, we understand that in the event of cash flow challenges, it is imperative that you secure funding as quickly as possible so you can capitalise on that business opportunity or avoid operation disruptions.

Our team is committed to working with you to facilitate the arrival of funds to support your business.

Unlike many other finance houses, with Nucleus there are no fees if you want to repay your business loan ahead of schedule, as long as you settle the amount in full. 

To qualify for a business loan with Nucleus, you need to have been trading for at least 12 months. If you have not yet been operating for this length of time but still need the funding, it is worth looking at our other loan options to see if something more suitable is available.

Just like a traditional loan, when you’re applying for finance for your cash flow, your credit rating will be a deciding factor in whether you get approved. However, unlike a traditional loan, Nucleus business loans focus more on your business performance than your credit history. So, you may be more likely to be approved, even if you have a bad credit rating.

If you’re a company with a poor credit history, you may even be able to boost your credit score with a business cash flow loan by paying on time or even ahead of schedule.

It is our goal to see businesses flourish and reach their objectives, both short and long term. At Nucleus, we understand that unexpected circumstances can sometimes lead to downward trends or losses in companies. As such, we always look at the bigger picture and assess businesses on an individual basis to try and get the people that need it the funding they seek.

If you have decided that a Nucleus Business 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.

If you wish to speak to an advisor, please do not hesitate to contact us at any time on – 020 7839 1980 – to make an inquiry with one of our teams. Alternatively, you can request a call back at a time convenient to you.

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