Revenue Based Loans from Nucleus

Borrow up to 200% of your monthly revenue with a Revenue Based Loan from Nucleus. 

If you’re a small business owner or entrepreneur looking for flexible financing options, a revenue based loan could be the perfect choice for you. This unique type of loan allows you to borrow up to 200% of your monthly revenue, based on your Ecommerce sales and card takings.

As your business grows, you can also take advantage of ongoing top-ups to access further funding. With fixed weekly direct debits, our repayment structure is simple and manageable. By choosing a revenue based loan, you can get the capital you need to drive business growth and achieve your goals.

£3k to £300k
Borrow up to 200% of monthly revenue
Repay over 3-12 months

What is a Revenue Based Loan?

A revenue based loan is a business loan that mirrors your turnover. The agreement provides businesses with access to finance in return for a portion of their future sales. Depending on your revenue cycle, you will either make larger or smaller payments each month and the duration of your repayment can be reduced or extended accordingly.

Rather than taking into consideration conventional factors such as credit ratings and collateral, revenue based finance lenders focus on the income and potential earnings of a business. The amount lent is calculated as a fraction of what is brought in each month.

This option suits businesses that have a healthy revenue but do not possess enough resources to get a traditional loan. Repayment of this type of loan is done with a fixed portion of future profits over an established period, giving businesses more freedom to manage money flow while accessing the capital required for growth.

What are the financial benefits of a Revenue Based Loan?

At Nucleus, we strive to ensure the long term success of any business we work with. With a revenue based loan we place an emphasis on borrowed capital being utilised to reach your growth objectives. While other loan types may offer more freedom, revenue based finance is used most effectively by investing in acquisition, expansion or improvement of established systems to directly increase cash flow.

Due to their nature, revenue based finance lenders will expect the money they offer to be invested in growth activities with a focus on producing future income. This can cover a variety of areas across the scope of your enterprise.

New premises

It’s time to make that perfect spot in town yours by calling the estate agent and securing it with one of our revenue based loans.

Management buy-out

Management buy-outs can be intimidating, but with one of our Revenue Based Loans, you could benefit from a seamless transition.


You don’t have to let financial constraints limit you. Nucleus’ revenue based funding can help your business take flight.

Find the right people

With a revenue based loan you can hire fresh talent across the board, and watch your business flourish.

Peace of mind

Borrow exactly what your business needs. With revenue based finance you don’t need to worry about committing to loans you cannot pay back. Once you see a boost in your revenue, simply top-up and get more funds into your account.

Unexpected bills

With our revenue based lending you can handle unexpected bills without needing to change course, allowing you to focus on the business strategies that will see you flourish.

What are the financial benefits of a Revenue Based Loan?

It’s Quick

Thanks to the way revenue based loans are assessed, once you have provided safe and secure access to your accounting data, Nucleus can provide you with a decision in minutes, and payouts can be made the same day.

It’s flexible

Business is sometimes uncertain. With our revenue based loan agreements you do not have to borrow more than you can afford at the point of applying. Once business is booming you can consider borrowing more.

Cash flow management and visibility

With a revenue based loan, monthly projections and weekly repayments make it simple to control and predict cash flow. Because the finance is processed through the lender, it also offers greater transparency when it comes to obligations.

Greatly beneficial for fast growing businesses

If you are a particularly fast growing business, you can utilise the way revenue based loans are rolled out, making the most of the capital as revenue booms.

What is the process of securing a Revenue Based Loan?

Getting a revenue based loan with Nucleus is a simple process.


Apply online in minutes

Fill out our online application and provide access to your data through Open Banking.


Your offer awaits

Based on your details, our award-winning technology will provide you with an offer in just a few minutes.


Sign your documents effortlessly

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


Same day payout

You’ll get money in the bank from your revenue based bank loan on the same day as applying!


Super easy repayments

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

Get Your Revenue Based Loan with Nucleus

Applying for a Revenue Based Loan with Nucleus

To be eligible with us you will require:

  • Your business to have been trading for at least 4 months.
  • At least 1 Director must be based in the UK.
  • Be clearing a minimum of 10 transactions per month.
  • Have access to Open Banking.
  • Be backed by personal guarantees.


  • As we require Open Banking access on all revenue based loans, decisions are instant.
  • Legals and a Docusign link will then be sent immediately should you wish to proceed.
Apply Now

Nucleus provides businesses with the opportunity to access loans between £3,000 and £300,000, depending on their monthly turnover. Repayments are broken down into weekly instalments over a period of 3-12 months and comprise a pre-agreed percentage of monthly revenue along with the loan’s interest rate.

Let’s use some example figures to demonstrate how repayments on a typical revenue based loan can vary from month to month: Loan agreement of £10,000 – To repay 10% of monthly revenue + Interest rate.

Month 1: Revenue = £10,000 – Repayment = £250 per week + interest rate 

Month 2: Revenue = £15,000 – Repayment = £375 per week + interest rate 

Month 3: Revenue = £3000 – Repayment = £75 per week + interest rate

Our revenue based financing provides businesses pursuing growth the opportunity to borrow confidently. During slower months you will not need to pay back sums you cannot afford. With a revenue based loan, your business can secure the funding it needs without overextending itself, and after four months, as income increases, you will have the option to supplement funds and keep growing.

Because of the nature of revenue based loans, they benefit some business models over others, and are not suitable for all SMEs. A consistent monthly revenue is generally a good sign of a healthy business, and would make your enterprise a strong contender to utilise our revenue financing, however because the financing is based on turnover projections, it means a variety of businesses can make particular use of a revenue loan.

Seasonal businesses make a great fit for revenue based finance loans due to their performance based nature. During the busy months, these organisations may access swift capital to respond to heightened demand, stocking up on products and rolling out fresh promotions. Following this injection of funds, they may then utilise the resultant profit to quickly pay off their loan.

Subscription and SaaS businesses, with a stable and predictable monthly income, are likely to be accepted for a loan. This makes this type of model a great option for obtaining business funding, as there is a definite understanding of their monthly profits and repayments can be made without any trouble.

An Ecommerce business is an ideal recipient of revenue based finance due to the fact that their sales and marketing accounts can be readily analysed. This is beneficial for making predictions of future results. Because a revenue based loan provides access to cash in a quick manner, it can be extremely helpful if there are increased needs or new time-constrained campaigns to implement.

When determining if a revenue based loan is right for your business, you should consider your monthly revenue, cash flow, growth projections, and overall financial health.

It is advised to start by assessing the amount of funds your business requires and how it fits in with your objectives. You should explore your monthly revenue and decide on an amount you can comfortably pay back each week. It is also essential to comprehend the interest rates and fees linked with your loan offer. Think about the repayment term – will it go along with your cash flow projections? By analysing these aspects you can confidently determine if a revenue based loan is an ideal financing choice for your business.

Revenue based financing lenders generally check the financial background of a company before granting loans. Nucleus will assess your eligibility and projected income, then make a quick decision. As we require Open Banking access on all revenue based loans, decisions are instant, with legals and a Docusign link sent immediately should you want to proceed.

Ultimately, revenue based finance is the ideal way for developing businesses to gain instant access to capital without sacrificing equity or wasting any time soliciting investments. If you still have any doubts about your decision to utilise this great finance tool, please do not hesitate to contact us on – 020 7839 1980 – alternatively you can request a call back at a time convenient to you.

If you are looking for a revenue based loan to help you achieve your business goals you have come to the right place. Your success and growth is our number one priority. As one of the UK’s premier cashflow financiers, we have lent over £2.8 billion to SMEs like yours. Because of our enthusiasm and commitment towards business growth, we have received 21 awards in the last 11 years. We are committed to helping businesses not only survive but thrive.

Here are just some of the reasons why Nucleus is seen as one of the best revenue based finance lenders.

Quick processing times: Sometimes the unexpected happens and you need a fast cashflow injection. When you choose Nucleus, you can apply for a loan in a matter of minutes, wherever you are. Once approved, you could receive the needed finance on the same day.

We are human: We understand that applying for finance can be daunting, that is why our friendly team is on hand to guide you every step of the way. We have a positive partner mentality, and we are passionate about leading you calmly through the application process. We will ensure all of your questions are answered thoroughly and clearly.

We are accessible: Our primary goal is to help as many people as possible, so we do our utmost to ensure our business loans are accessible to all who meet the eligibility criteria.


For any business, securing the most suitable form of financing is essential for its growth and success. Revenue based finance is a loan that is calculated on your business’s monthly turnover, so the amount you can borrow will depend on how much money your business earns each month.

With Nucleus, your business can borrow as much as 200% of your monthly turnover. You can add to your revenue based loan after four months, providing access to additional funding as your business expands.

We believe in supporting businesses, which is why our loans vary to offer security and opportunity to enterprises at all stages of their development. All we need to get things started is access to your banking data through secure open banking.

Small business loans based on revenue at Nucleus are offered in amounts ranging from £3,000 to £300,000. We’ll lend you up to 200% of the value of your e-commerce sales and card takings. As your business grows, you can renew and top up your revenue based financing with larger loan agreements.

If you need to borrow more, here at Nucleus we have a range of other products which might be a better fit for the unique needs of your business. If you would like advice on the most suitable business loan for you, please don’t hesitate to give us a call on 020 7839 1980.

In our pursuit to help businesses reach their full potential, our doors are open to any type of company seeking a revenue based finance lender.

If your business has access to open banking and is successfully generating revenue, all we require is a minimum of 4 months trading history, and a minimum of 10 transactions per month. This establishes that you have a consistent turnover and can repay our revenue based loan agreement.

To maintain transparency and simplicity, revenue based loan repayments are repaid via fixed weekly direct debits. They will fluctuate based on your business’s monthly turnover, meaning you can borrow confidently and flexibly to suit your company’s growing needs.

Revenue based loans at Nucleus are perfect for small and medium enterprises looking for financing solutions outside of the typical qualifications needed for our other types of business loans. The loan is based on a percentage of future sales, so it doesn’t require the business to put up any collateral. This can be a good option for businesses that don’t have much equity to offer as collateral.

Because revenue based loans are calculated by your monthly turnover, it makes them the ideal choice for expanding businesses or ones that experience seasonal fluctuations in sales. If you’re a growing company looking for fast access to capital without diluting equity, revenue based financing is an excellent option for you.

Every revenue based loan comes down to the unique circumstances of each business. Because Nucleus works with the UK’s leading banks, we are confident you will be supported for revenue based financing. Our revenue based finance application is effortless, meaning you can quickly learn if you are eligible. If you have access to Open Banking we will work with you to get set up, securing you the funding to push your business to the next level.

Open Banking is a safe and secure way to manage your company’s finances. With Open Banking, you can connect your business bank account to your financial management software. This allows you to see all of your transactions in one place, and monitor your cash flow.

You can also set up budgeting and savings goals, and see how much money you have left over each month. Open Banking is a great way to stay on top of your finances, and keep track of your recurring revenue loans as your working capital grows.

At Nucleus, as with our other business financing products, we do not charge any excess if a business chooses to pay its loan off early, however all outstanding payments are required to be paid back in full. It is worth considering the long term credit and growth benefits of ongoing revenue based financing before making early repayment decisions.

Nucleus will offer a top up option to qualifying businesses who are seeking revenue based financing within 6 months. Loan commissions are typically used to cover the costs associated with originating and processing the loan, due to this, each time you accept a top up, a new commission notice will be issued.

Nucleus does not require the direct transfer of monies. We take fixed payments via direct debit. Because Amazon is linked to the client’s credit or debit card, and PayPal systems are verified through the client’s bank, both Amazon and PayPal are suitable for our revenue based loans.

Yes, at Nucleus we strive to support as many growing businesses as possible through our revenue based loans. As long as you meet our eligibility criteria, we would be more than happy to help with your business’s development through our funding solutions.

At Nucleus, all applications will be considered for all products. Our finance application is quick and effortless, so if we can support your business in any way we will. Just because our revenue based loan might not be suitable for your enterprise right now, it doesn’t mean another loan type won’t be perfect to help your business pursue the growth you are seeking.

Yes, revenue based loans are no different from our other finance products. Personal guarantees provide a layer of transparency and security for financing lenders. Loans above £75k will require PG’s from a homeowner in order to meet revenue funding criteria.

It is not necessary to refinance any existing merchant cash advances your business currently has. In fact, revenue based loans can be utilised to top up any existing merchant cash loans, giving your business financial stability as you expand into the future.

A small business loan based on revenue may not be the right choice for every company. It can come with some challenges, including the need for a high gross margin and a steady month-to-month income. If you have any doubts regarding your business’s chances of securing a revenue based loan, do not hesitate to call us on 020 7839 1980.

Wordpress Social Share Plugin powered by Ultimatelysocial