Nucleus Commercial Finance Reviews

Nucleus Commercial Finance specializes in flexible commercial lending solutions, supporting diverse business needs with efficient financing options and expert customer service.

Here are the Trustpilot Reviews from Nucleus Commercial Finance:

Here are the Reviews from Nucleus Commercial Finance:

We want to say a big thank you to Nucleus for their fast and efficient work. It was a smooth, easy, and hassle-free experience. We are now in a position to expand our business, free from the 'jumping through hoops' other lenders seem to want you to do! 100% recommended.

Mark Ambrose

Great service from Matt and Prajakta, what really stood out was the speed of the process. From initial enquiry to approval, everything moved quickly without feeling rushed. It made a huge difference...

Mrs Louise Wallace

We are pleased with the cooperation and financial support provided by Nucleus. The loan terms were clearly communicated, and the funding was processed in a timely and efficient manner. This support has helped us maintain strong operational stability and continue to grow our business.

Shopogolic Net

Very swift and reliable service that provided lending when it was most needed. Thank you!

Florence Wong

Excellent service

Consumer

Diago Made is simple and easy to deal with them

Ian Stephenson

Explore Nucleus Commercial Finance's Finance Solutions:

Unsecured Business Term Loan

£25,000 – £2,000,000

Secured Business Loan

£250,000 – £20,000,000

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Explore Nucleus Commercial Finance's Finance Solutions:

Loan Type:

Unsecured Business Term Loan

Loan Range:

£25,000 – £2,000,000

Loan Terms:

6 months to 6 years

Minimum Turnover and Trading Age:

Minimum 2 years trading and £100,000 annual turnover

Interest Rate:

6.0% – 19.9% representative APR

Fees:

Arrangement fee 2% – 3%; no early repayment fee

Loan Type:

Secured Business Loan

Loan Range:

£250,000 – £20,000,000

Loan Terms:

3 years to 7 years

Minimum Turnover and Trading Age:

3 years trading; £2m annual turnover

Interest Rate:

4.5% – 12.0% per annum (variable or fixed)

Fees:

Arrangement fee 1% – 2%; valuation & legal costs; early repayment fee 3–6 months’ interest

Loan Type:

Revolving Credit Facility

Loan Range:

£50,000 – £2,000,000

Loan Terms:

12 months renewable (interest only on what is drawn)

Minimum Turnover and Trading Age:

1 year trading and £250,000 turnover

Interest Rate:

0.50% – 2.00% per month on utilised balance

Fees:

1% non-utilisation fee on undrawn limits; 1% arrangement fee

Loan Type:

Invoice Finance (Factoring or Confidential Invoice Discounting)

Loan Range:

£100,000 – £50,000,000 (up to 90% of invoice value)

Loan Terms:

Ongoing revolving facility

Minimum Turnover and Trading Age:

Minimum £500,000 annual turnover and 6 months trading

Interest Rate:

Base rate + 2% – 3.5% margin (discount fee)

Fees:

Service fee 0.10% – 3% of turnover; audit/renewal fees apply

Loan Type:

Asset Based Lending (ABL)

Loan Range:

£1,000,000 – £50,000,000

Loan Terms:

2 years to 5 years

Minimum Turnover and Trading Age:

£10m turnover or high-growth businesses with £5m+ assets

Interest Rate:

Base + 2% – 4% across blended asset classes

Fees:

Arrangement 0.75% – 1.5%; collateral audit costs; exit fee 1%

Loan Type:

Property Finance (Bridging Loan)

Loan Range:

£250,000 – £20,000,000

Loan Terms:

3 months to 36 months

Minimum Turnover and Trading Age:

Property-owning SPV or trading company; no minimum turnover

Interest Rate:

0.75% – 1.35% per month

Fees:

Arrangement fee 2%; no exit fee if refinanced after 12 months

More About Nucleus Commercial Finance

Nucleus Commercial Finance Limited is a UK-based lender founded in 2011. It provides various secured and unsecured finance products targeting SMEs, offering funding from £10,000 up to £50,000,000. As an alternative lender authorised and regulated by the Financial Conduct Authority for certain credit activities, Nucleus combines technology-driven underwriting with personalised support. Its offerings may be suitable for SMEs seeking from short-term loans to complex asset-based finance, including property finance and revolving credit facilities. See our lenders overview and commercial finance options for context.

Key Features of Nucleus Commercial Finance

This lender focuses on flexibility and technological integration to support business needs. It offers broad product coverage alongside dedicated management for larger facilities.

Fully digital application journey with links to popular accounting software like Xero and Sage
24/7 client portal for managing drawdowns, statements, and reports
Dedicated relationship managers available for loans over £100k and tailored financing advice
Real-time credit analytics help provide same-day funding decisions
Ability to combine various financial products under a single multi-asset facility for comprehensive funding

Eligibility for Funding with Nucleus Commercial Finance

You may qualify if your business is registered and operates within the UK (excluding Channel Islands and Isle of Man) and meets minimum trading periods, generally between 6 months and 3 years depending on the product. Annual turnover requirements range from £80,000 for smaller facilities like FlexiPay to at least £10 million for Asset Based Lending. Sector exclusions include arms manufacturing, gambling, adult entertainment and any entities under sanctions. Personal guarantees are usually required from directors or shareholders for most products. Review our business loan eligibility guide and credit score explanation for more details.

Loan Options at Nucleus Commercial Finance

They offer a wide spectrum of loan types to cater to different funding needs, from unsecured loans up to complex multi-asset lending. Here are examples:

Unsecured Business Term Loan: £25,000 to £2,000,000, terms 6 months to 6 years, representative APR 6.0% to 19.9%, fixed monthly repayments, no early repayment fees.
Secured Business Loan: £250,000 to £20,000,000, terms 3 to 7 years, variable or fixed rates 4.5% to 12%, requires property charges, possible early repayment fees in fixed-rate periods.
Revolving Credit Facility: £50,000 to £2,000,000, 12-month renewable terms, monthly interest 0.50% to 2.00% on drawn amounts, 1% arrangement and utilisation fees.
Invoice Finance: £100,000 to £50,000,000, revolving with ongoing facility, base rate plus margin 2% to 3.5%, service fees 0.10% to 3% of turnover plus audit fees.
Asset Based Lending (ABL): £1,000,000 to £50,000,000, 2 to 5 years, base plus margin 2% to 4%, involves combining assets for funding with detailed monitoring and fees.

How to Apply with Nucleus Commercial Finance

Applications are fully digital with telephone support. Expect quick decisions on most unsecured products and longer lead times for secured loans due to legal completions and valuations.

Submit an online application form accessible via Nucleus website with relevant business and financial documents.
Provide required documentation such as filed accounts, bank statements, director IDs, proof of address, and asset valuations for secured loans.
Undergo credit and collateral assessments; larger facilities include solicitor-led legal completion processes.
Sign loan agreements and complete security documentation where applicable; monitor progress via client portal.

Funding Agent’s View on Nucleus Commercial Finance

Nucleus Commercial Finance suits SMEs needing a broad range of debt funding options from £10,000 to multi-million-pound facilities. Its combination of rapid technology-driven underwriting and relationship management offers speed and tailored solutions. However, higher interest rates on unsecured and short-term products, plus personal guarantees and fees, mean it fits businesses prioritising access and flexibility over the lowest cost. Use our eligibility tools and loan comparison pages to assess appropriateness before applying.