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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:

Business Loan (Secured / Unsecured)

£25,000 – £2,000,000 unsecured / up to £50,000,000 secured

Cash Flow Finance

£10,000 – £150,000

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Explore Nucleus Commercial Finance's Finance Solutions:

Loan Type:

Business Loan (Secured / Unsecured)

Loan Range:

£25,000 – £2,000,000 unsecured / up to £50,000,000 secured

Loan Terms:

6 months to 6 years (unsecured) / up to 7 years (secured)

Minimum Turnover and Trading Age:

Typically 2 years’ trading and £100,000+ annual turnover

Interest Rate:

8.0% – 18.0% APR fixed (indicative)

Fees:

Arrangement fee 2% – 4%; no early repayment penalties on unsecured; legal & valuation fees on secured

Loan Type:

Cash Flow Finance

Loan Range:

£10,000 – £150,000

Loan Terms:

3 months to 36 months

Minimum Turnover and Trading Age:

12 months’ trading; £50,000+ turnover

Interest Rate:

0.6% – 1.5% per month (approx. 7.5% – 19% APR)

Fees:

Arrangement fee 2%; no exit fee; late-payment charges apply

Loan Type:

FlexiPay (Business Buy-Now-Pay-Later)

Loan Range:

£1,000 – £300,000 revolving limit

Loan Terms:

Each transaction repaid over 3 equal monthly instalments

Minimum Turnover and Trading Age:

12 months’ trading; £100,000+ annual turnover

Interest Rate:

1.5% – 3% fee per month (flat) on each draw

Fees:

No set-up fee; monthly fee only on utilised balance

Loan Type:

Invoice Finance (Confidential Invoice Discounting)

Loan Range:

£50,000 – £50,000,000 facility size; up to 90% of invoice value advanced

Loan Terms:

Rolling 12-month facility (renewable)

Minimum Turnover and Trading Age:

£500,000 annual turnover; 6+ months invoicing B2B debtors

Interest Rate:

0.10% – 2.00% service fee per invoice + 2.5% – 4.5% over base on funds in use

Fees:

Arrangement 1%; audit/renewal fees annually

Loan Type:

Asset Finance

Loan Range:

£25,000 – £5,000,000

Loan Terms:

12 months to 60 months

Minimum Turnover and Trading Age:

12 months trading; turnover £100,000+

Interest Rate:

4.0% – 12.0% APR depending on asset class

Fees:

Arrangement 1% – 2%; Option-to-purchase fee £1 for HP

Loan Type:

Property Finance (Bridging & Development Exit)

Loan Range:

£250,000 – £20,000,000

Loan Terms:

3 months to 36 months

Minimum Turnover and Trading Age:

No minimum turnover; experience preferred for developers

Interest Rate:

0.60% – 1.20% per month

Fees:

Arrangement 2% – 3%; exit fee up to 1%; valuation and legal costs

More About Nucleus Commercial Finance

Nucleus Commercial Finance Limited is a UK-based alternative lender established in 2011, offering secured and unsecured funding solutions designed for small and medium enterprises (SMEs). It is authorised and regulated by the Financial Conduct Authority (FCA) under FRN 723722. Nucleus provides a broad range of finance products from £10,000 to £50 million, combining specialist underwriting with proprietary technology for quick decision-making and flexible structuring. This approach suits established UK businesses needing alternatives to traditional bank lending. For a wider view of such options, see alternative finance loans and the overview of business loans.

Key Features of Nucleus Commercial Finance

Nucleus incorporates technology and tailored product offerings to enhance the borrowing experience and meet sector-specific needs.

‘myNucleus’ online portal for loan applications, facility monitoring, and drawdowns; see alternative finance loans.
Open-banking and cloud-accounting integrations enable real-time affordability checks, helping with quick decisions; learn more about business loans.
Same-day funding is available on selected products after documentation is completed; see details at unsecured business loans.
Experienced UK-based support teams including dedicated relationship managers.
Combines automated scoring with human credit expertise, suitable for complex requirements; review the secured loans process.

Funding Eligibility Requirements

You may qualify for funding if your business meets trading and turnover requirements, usually 12 to 24 months of trading history, depending on the product. Eligibility typically requires a UK-registered limited company or LLP operating within England, Wales, Scotland, or Northern Ireland. Certain sectors, such as arms or gambling, are excluded. Personal and business creditworthiness, as well as satisfactory cash flow, are assessed using open-banking data. To explore eligibility in detail, see business loan eligibility requirements and methods for how to qualify for a business loan in the UK. Tools such as the eligibility checker may also provide guidance.

Loan Options Available from Nucleus Commercial Finance

The lender offers a range of loan types including term loans, unsecured loans, revolving credit, invoice finance, asset finance, and property finance to address various SME funding needs.

Business Loans (Secured/Unsecured): Amounts from £25,000 to £2,000,000 unsecured, and up to £50,000,000 secured. Terms range 6 months to 6 years (unsecured) or up to 7 years (secured) at indicative rates of 8.0% to 18.0% APR fixed. More information is available under business loans and term loans.
Cash Flow Finance: Unsecured loans from £10,000 to £150,000 with 3 to 36 months terms. Interest rates range roughly 7.5% to 19% APR monthly. Designed for working capital gaps, see unsecured working capital loan.
FlexiPay (Buy-Now-Pay-Later): Revolving limits from £1,000 to £300,000 with repayments over 3 months. Monthly flat fees equate to higher APR if annualised. Details covered in revolving credit loans.
Invoice Finance (Confidential Invoice Discounting): Facilities range from £50,000 to £50 million, advances up to 90% of invoice value. Rolling 12-month facilities with fees and interest adding to costs. See invoice financing.
Asset Finance: Funding between £25,000 and £5,000,000 over 1 to 5 years, rates 4.0% to 12.0% APR depending on assets. More on asset finance.
Property Finance (Bridging and Development Exit Loans): Loans from £250,000 to £20 million with 3 to 36 month terms, rates 0.60% to 1.20% monthly, see bridging loans and commercial mortgages.
Merchant Cash Advance: £5,000 to £150,000 linked to card sales with factor rates 1.15 to 1.35. Flexible repayments suit businesses with substantial card transactions; see mca loans.
Education Finance Facility: £250,000 to £5,000,000 over up to 3 years for independent schools, interest 6.0% to 12.0% APR. Tailored to educational sector needs.
Recovery Loan Scheme Business Loans: £25,001 to £2,000,000 with government-backed guarantees for COVID-impacted firms, see alternative finance loans for government schemes.

How to Apply for Finance with Nucleus

Applications are primarily online, with electronic signature and document upload. The process typically yields automated pre-approval within minutes for smaller loans and full decisions within 24 hours for loans under £150,000.

Submit online application via digital portal or broker; see application form.
Provide recent filed accounts, 6-12 months of bank statements (via open banking or PDF), and identity proof for directors.
Undergo credit assessment and, for secured loans, valuation and legal documentation.
Sign loan agreements electronically; post-approval funding can be same day for unsecured loans or 3 to 14 days for secured loans.

Funding Agent's view on Nucleus Commercial Finance

Nucleus Commercial Finance is a versatile non-bank lender that offers a wide range of funding products, suitable for established SMEs in the UK. Its technology-driven underwriting promotes quick decisions combined with flexibility for complex cases. Businesses seeking alternatives to traditional banks may find the lender’s broad offering and digital tools beneficial. For those assessing options or eligibility, refer to business loans, the tools section.

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