A wide range of businesses across various sectors and at different stages of development can benefit from a secured commercial loan. Nucleus has a proven track record of successful partnerships, and we offer finance to companies of any age. You can see examples of those we’ve worked with in our client stories.

Other examples of businesses that can take particular advantage of this type of funding include:

Tech Startups: Technology companies often require significant initial investment to develop their ideas and bring them to market. We can provide the capital needed for research and development, recruiting top talent, and procuring essential pieces of equipment.

Property Developers: Secured commercial loans can provide property developers with the funds needed for purchasing land, financing construction projects, or refurbishing existing properties. Our competitive rates and flexible terms make it easier for developers to manage their cash flow and complete projects on time and within budget.

Fast Growing Retailers: As retailers experience rapid growth, they may require additional funds to open new stores, enhance the products they offer, or increase their marketing efforts. Nucleus can offer the financial support necessary for these businesses to scale and succeed in a competitive market.

Manufacturing Companies: Businesses in the manufacturing sector typically face large capital expenses, whether for machinery, inventory or new production facilities. We can help these companies secure the capital needed to grow and keep up with increasing demand.

Service Providers: Companies offering services such as consulting, marketing, or professional services can also benefit from our secured commercial loans. These loans can help them invest in new technology, hire additional staff, or expand their client base.

At Nucleus, we understand that every business has unique financial needs and aspirations. That’s why we offer a flexible range of secured business loans to accommodate various requirements. You can apply for a loan amount between £25,000 and £5m, with a loan to value (LTV) ratio of up to 70% for residential properties and 65% for commercial properties. This wide range of funding options ensures you can secure the necessary funds to cover various aspects of your business, be it daily operations or long term growth projects.

For businesses requiring funds for everyday running costs, our secured loans can provide the working capital needed to manage cash flow, pay suppliers, or cover unforeseen expenses. Our competitive rates and flexible repayment terms make it easier for you to manage your financial obligations while focusing on core operations.

If you are looking to support a long term growth project, such as expanding your product line, opening new locations, or investing in marketing campaigns, our facilities can offer the substantial financial backing necessary to pursue these ambitions. With access to larger loan amounts and favourable interest rates, you can confidently invest in growth without compromising financial stability.

While business loans do not technically require ‘money down’, when it comes to a secured loan, you will need to provide a valuable asset as collateral, which may have required prior investments on your part. So although the loan itself does not require an upfront payment, it’s likely that you have made a financial commitment in the past to secure the asset being used as collateral.

If you are lacking assets to secure your loan against, it is always worth exploring other loan options. If you would like to discuss any of our facilities, we ask that you contact us at any time on – 020 7839 1980 – alternatively you can request a call back at a time more convenient to you.

Nucleus aims to offer competitive rates to help enterprises access the funding they need without putting undue financial strain on their operations. By using your commercial or residential property as collateral, you can unlock better loan rates and enjoy more affordable borrowing options.

Our pricing starts at 1% per month for standard secured term loans and interest only loans with a duration of up to five years. These attractive rates can make a significant difference in the overall cost of borrowing, allowing businesses to make the most of their funding.

Secured term loans provide businesses with a fixed repayment schedule and manageable monthly instalments, making them an ideal choice for those looking to borrow large sums of money. Interest only loans, on the other hand, require only monthly interest payments, with the principal amount repaid in one large sum at the end of the loan term. This option can be especially beneficial for businesses that require startup funding or want to maximise their working capital.

Bridging loans can also be secured with interest rates starting at 0.91%. These facilities typically last between one and two years, and are required to be paid off when the loan payment is due in a single ‘bullet payment’.

At Nucleus, our goal is to assist businesses in obtaining the financing they need while keeping costs reasonable. Our flexible and affordable lending options are designed to accommodate the unique financial needs of businesses across various sectors and stages of development.

Determining the overall cost of your property finance depends on various factors, including the specific funding facility you choose from our wide range of offerings. We prioritise transparency and clarity in all of our financial products, ensuring you have a clear understanding of the costs involved from the very beginning.

Regardless of which financing solution you opt for, we will agree on the full cost upfront, and you can trust that there will be no hidden extras or surprises down the line. Our commitment to fair and transparent pricing means you can confidently plan and budget for your loan repayments, making it easier to manage your business finances.

The total amount you repay will depend on factors such as the loan amount, interest rate, term length, and any associated fees. Our friendly in-house experts are always available to guide you through the process, providing you with the information to make informed decisions about your property finance loan.

We offer various financing solutions, and if you would like to discuss any of our options, we encourage you to contact us at any time on – 020 7839 1980 – alternatively you can request a call back at a time convenient to you.

At Nucleus, we understand that time is often of the essence, that’s why we strive to offer quick business loans to help you access the financing you need as soon as possible. Once your property valuation is complete, the process usually takes around two to three weeks to finalise. However, you can help expedite the process by taking a few proactive steps.

Hiring a good solicitor: Engaging a knowledgeable and efficient solicitor can significantly streamline the loan process. They will be able to handle any legal matters related to your loan application, making sure all documentation is accurate and complete, which in turn can help speed up the approval and funding process.

Having all your relevant documents readily available: Ensuring that you have all the necessary documents at hand can save valuable time during the application process. This may include proof of ownership for the property being used as collateral, financial statements, a detailed business plan, and cash flow forecasts. Having these documents readily available will allow our team to assess your application quickly and efficiently, ultimately getting your funds to you sooner.

With Nucleus, you can repay your loan early at no additional cost, as long as you cover the full outstanding balance. This flexibility allows you to manage your finances more effectively and potentially save on interest payments if you’re in a position to pay off your loan ahead of schedule.

Our goal is to provide tailored financial solutions that support your business throughout its growth journey, adapting to your changing requirements. By granting early settlement of your finance agreement without extra charges, we aim to give you full control over your debt, allowing you to make the best monetary decisions possible for your business.

To qualify for UK property finance through Nucleus, you typically need to own residential or commercial property with adequate equity to secure the loan. This ensures that there is sufficient collateral in place, enabling the more favourable loan rates and terms which secured facilities offer.

We understand that not all business owners may have the necessary property ownership to secure a loan. In such cases, we can also consider third-party guarantors with security. A third-party guarantor is someone who agrees to provide their own property as collateral to secure the loan on behalf of the borrower. This option can be beneficial for businesses that do not own property or have insufficient equity in their property but can secure a guarantor with the necessary assets.

The credit score needed for a secured loan varies from case to case and is typically dependent upon specific requirements between lenders. As a standard, business credit scores range from 0 to 100, with higher scores indicating lower risk. A score of 50 and above is generally considered below average risk, while 80-90 is low risk, and 90-100 is very low risk.

Several factors determine your credit score, including payment history, credit utilisation, and the length of credit history. Responsible financial management and a strong credit history will contribute to a good score. Scores below 50 are seen as above average risk but may still meet our criteria.

At Nucleus, we recognise that unforeseen situations can sometimes lead businesses to face challenges. Nevertheless, we evaluate each application individually, taking into account the various factors involved in securing loans. As a result, there could be circumstances where a business owner with a high-risk or lower credit score may still qualify for financing.

While property finance can be an excellent solution for many businesses, it may not be suitable for everyone. Luckily, it’s just one of the various business lending products we offer. From cash advances to our popular Nucleus Business Loans, you can view our full range of business finance solutions.

We can also offer you a tailored combination of multiple products. If you would like to discuss any of our options, we encourage you to contact us at any time on – 020 7839 1980 – alternatively, you can request a call back at a time convenient to you.

Let’s run through a generic example of what a secured business loan might look like.

A restaurant business owner needs £250,000 to fund their expansion plans. They approach Nucleus to apply for a secured business loan using their commercial property as collateral.

Nucleus evaluates the application, taking into account the business’s credit history, financial performance, and business plan. Our expert team works closely with the business owner to understand their situation and unique needs, and provide the best possible financing solution.

A loan agreement’s details might look something like:

1. Loan Amount: £250,000
2. Interest Rate: 1.5% per month
3. Loan Term: 5 years (60 months)
4. Repayment Structure: Monthly instalments (principal and interest payments)
5. Collateral: Commercial property

The loan-to-value (LTV) ratio is 65%, meaning the loan amount is 65% of the property’s value that the business owner puts forward as collateral. With Nucleus’s support and the secured business loan, the business owner can confidently proceed with their expansion plans, knowing they have a reliable financial partner to help them achieve success.