RevenueBased Loans

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

Revenue Based Loans are the ideal solution for businesses that want to expand in line with their revenue. With ongoing top-ups available, you can borrow more as you grow. Your SME can borrow up to 200% of its monthly Ecommerce sales and card takings. With fixed weekly direct debits, repayments are kept simple, as they should be!

Get a Revenue Based Loan
£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 essentially a business loan that mirrors your turnover. Compared to a traditional loan where the amount is determined using a multitude of factors, revenue based financing enables businesses like yours to borrow up to 200% of its monthly revenue. Once your revenue increases, you can top-up your loan and borrow more - a truly flexible solution that allows you to access the right amount of financing when you need it most.

What can Revenue Based Loans be used for?

New premises

That perfect spot in town you always loved? Phone the estate agent, it's time to secure it with one of our Revenue Based Loans!

Management buy-out

Management buy-outs can be daunting. Remove the stress with one of our Revenue Based Loans.


Don't let finances hold you back. With a Revenue Based Loan with Nucleus, watch your business soar.

Find the right people

Hire the freshest talent. Watch your business go from strength to strength. 

Peace of mind

Borrow exactly what your business needs without overcommitting to larger loan amounts that your business can't afford to pay back. Once you see a boost in your revenue, simply top-up and get more funds into your account.

Unexpected bills

Life's full of surprises. With our Revenue Based Loans, you can handle unexpected bills without needing to change course.

What are the benefits of a Revenue Based Loan?

It's quick

Unlike traditional financing, Revenue Based Loans can be accessed at breakneck speed! Once you provide safe and secure access to your accounting data, we provide decisions in less than one minute and pay out same day.

It's a life changer for fast-growing businesses

If you're a fast-growing business, you'll benefit from being able to borrow more as your revenue surges.

It's flexible

Business can be uncertain. With a Revenue Based Loan agreement with us, you don't have to borrow more than you can afford at the point of applying for funding. Once business is booming, borrow more! 

How do Revenue Based Loans work?

Luckily, getting a Revenue Based Loan is simple. All you need to do is:


Apply online in minutes

Fill out your application online 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

Dot the ‘i’s and cross the ‘t’s anywhere, any time, on any device.


Same-day payout

You’ll get money in the bank from your Revenue Based Loan on the same day as applying!


Super easy repayments

Repayments will be fixed, weekly direct debits. Nice and simple, as it should be.

Get your Revenue Based Loan with Nucleus

How to apply for a Revenue Based Loan?


  • Your business needs to have been trading for at least 4 months
  • At least one Director must be based in the UK
  • Minimum 10 transactions per month
  • Access via Open Banking
  • Backed by Personal Guarantees


  • 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
Apply now

As one of the UK's premier cash-flow lending providers, we've lent over £2.8 billion to SMEs like yours. As a result of our dedication to business growth, we've 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 we're seen as one of the best cash-flow lending companies.

·         We have a range of funding options: We understand that every business is unique. So, we don't believe in a one-size-fits-all approach. As such, we offer a range of business loans ranging from £3k to £5 million to help you reach your goals.

·         We're quick: Sometimes the unexpected happens and you need a cash-flow injection fast. When you choose us, you can apply for a loan in a matter of minutes wherever you are. Once you're approved, you could receive the cash on the same day.

·         We're human: We understand that applying for finance can be daunting. That's why our friendly team is on hand to guide you every step of the way. We're passionate about leading you calmly through the process and ensuring all your questions are answered thoroughly and clearly.

·         We're accessible: Our goal is to help as many people as possible, so our business loans are accessible to all that meet the eligibility criteria. 

If you're looking for a Revenue Based Loan to help you achieve your business goals, you've come to the right place. As one of the UK's most trusted finance providers, we've helped hundreds of happy customers access the cash flow they need to achieve their growth plans.

Apply for a loan in minutes using our quick and simple online application form and our innovative AI technology will quickly let you know if you've been successful. We know life is hectic as a business owner, so we don't like to keep you waiting.

If you'd like more advice on whether a revenuebased financing agreement is right for your business, please don't hesitate to contact our team by calling 020 7893 1980. Alternatively, request a call back at a convenient time if you'd prefer.

Revenue Based Business Loan FAQs

Revenue based financing is a loan that's calculated on your monthly turnover.

Revenuebased financing agreements with Nucleus allow your business to borrow up to 200% of your monthly revenue. You can top-up your Revenue Based Loan after four months, meaning you can unlock more funding as your business grows.

We believe in supporting businesses, which is why our loans are flexible enough to roll with the punches.

All we need to get things started is access to your banking data through secure Open Banking. 

You can borrow between £3k and £300k with small business loans based on revenue. We'll lend you up to 200% of the value of your monthly Ecommerce sales and card takings.

However, you can renew and top up your revenuebased financing agreement as your business grows. If you need to borrow more than that, we have a range of other products which might be a better fit. If you'd like advice on the most suitable business loan, give us a call on 020 7839 1980

We want to help businesses thrive. Therefore, we accept any type of company for one of our revenuebased finance agreements. All you need is a minimum of 4 months of trading history and a minimum of 10 transactions per month.

You'll repay your loan back weekly with fixed direct debits.  

If you're a growing company looking for fast access to capital without diluting equity, revenuebased financing is an excellent option.

If you're not sure whether a Revenue Based Loan is right for you, why not take a look at our other types of business loans

Probably, yes. 

We work with the UK's leading banks, so there's a good chance we'll support your chosen bank. 

Our revenue based finance application is effortless. If you've got access to Open Banking, we can get you set up and get the funding you need into your bank on the same day.

Yes! Open Banking has been designed with security at its heart. It uses rigorously tested software, so it's more secure than the screen scraping method used when logging in to most online banking systems. This is because you don't have to share your password or login details with anyone other than your bank. 

As with the BCA product, all outstanding payments will need to be paid in full.

Nucleus will provide a top-up option to qualifying borrowers within 6 months. If the borrower accepts the top-up, the commission notice will be sent to you.

We do not require the monies transferred to us directly. We will take fixed payments via direct debit.

Yes, we aim to support as many businesses as possible through our funding solutions.

Yes, all applications will be considered for all Nucleus products.

Yes, all facilities require a PG. For loans above 75k, we need PGs from a homeowner.

To qualify for Revenue Based Loans, you do not need to refinance any outstanding MCA loans. Revenue Based Loans can be used as a top-up for all existing MCA loans from any provider.

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