Nucleus — SME finance eligibility guide
Nucleus Commercial Finance is a UK alternative lender providing cashflow loans, asset and invoice finance and property-backed term loans.
- Official site:
- nucleus-commercial.com
- FCA reference:
- 658337
- Companies House:
- 07995694
- Trustpilot:
- view
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- Up to £300k; up to 200% monthly revenue; £3k–£2m
- Security / PG
- Security posture not consistently disclosed
- Speed
- Rapid decision
Data confidence
Medium confidence. Some figures on this page are summarised from public sources but not always disclosed in full by the lender. Confirm specifics with the lender before applying.
Some details are not publicly disclosed by Nucleus — verify directly before applying.
Products Nucleus offers
A summary of the Nucleus products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Revenue-based loan | Revenue-Based Finance | Up to £300k; up to 200% monthly revenue | 4 months | Not disclosed | Rapid decision | High |
| Business loan | Unsecured Business Loan | £3k–£2m | 12 months | Secured/unsecured | Rapid decision | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Nucleus's products. This is educational guidance only and is not a quote or guarantee of approval.
Revenue-based loan
Revenue-Based Finance
Source: View Nucleus's Revenue-based loan page on nucleuscommercialfinance.com ↗— Nucleus Commercial Finance UK lending pages.
Who Nucleus's Revenue-based loan may be suitable for
Nucleus's Revenue-based loan may be a possible fit when Card/e-commerce revenue businesses; UK-based director. Typical signals include e-commerce/saas/platform revenue; growth, stock or marketing funding need.
Common blockers
- No online/platform revenue
- Weak monthly revenue
- UK-specific eligibility unconfirmed where flagged
Repayment
Nucleus structures repayment as: revenue-linked.
Speed to funding
Nucleus indicates speed to funding around: rapid decision. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Nucleus does not publicly disclose security or personal guarantee requirements for this product. Verify directly with the lender.
Business loan
Unsecured Business Loan
Source: View Nucleus's Business loan page on nucleuscommercialfinance.com ↗— Nucleus Commercial Finance UK lending pages.
Who Nucleus's Business loan may be suitable for
Nucleus's Business loan may be a possible fit when Broad SME lender. Typical signals include general sme working capital/expansion/refinance; stable trading and affordability.
Common blockers
- Insufficient trading history/revenue
- Weak affordability
- Severe adverse credit
- Excluded sectors
Repayment
Nucleus structures repayment as: fixed instalments.
Speed to funding
Nucleus indicates speed to funding around: rapid decision. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: secured/unsecured.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Nucleus. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Nucleus's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Nucleus.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Nucleus — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Nucleus — Business loannucleuscommercialfinance.comNucleus Commercial Finance UK lending pages.
What this page is — and isn't
- Is: a plain-English summary of Nucleus's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Nucleus on the official Nucleus site before applying.
Frequently asked questions about Nucleus
- What is the minimum trading history for Nucleus?
- Nucleus's products in the Lendrly database show a minimum trading history starting from around 4 months for at least one product. Other products may require more.
- Does Nucleus require a personal guarantee?
- Nucleus does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Nucleus publish?
- Published speed indicators for Nucleus include: Rapid decision. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Nucleus's minimum and maximum facility size?
- Across the products Lendrly tracks for Nucleus, the published amount range is approximately £3,000 to £2,000,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Nucleus's published position on CCJs and adverse credit?
- Nucleus's published criteria mention CCJs or adverse credit as a factor for at least one product. Unsatisfied CCJs are commonly a blocker across UK SME lenders; verify your specific position with the lender.
Check whether Nucleus's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Nucleus's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.