Keep everyday business moving.
Explore finance routes for cash flow, stock, suppliers and day-to-day business needs.
Explore options COMMERCIAL FINANCE FOR UK BUSINESSES
Business finance.
Built around you.
From managing cash flow to investing in equipment or premises, explore finance options for your next step. Tell Hello Nucleus what your business needs, and start a clearer funding conversation.
Growth, assets & property One simple enquiry
FOR THE PEOPLEbuilding what’s next.
ROOM TO
GROW.
GROW.
A clear starting point for UK businessesYour ambition comes first.
What are you funding?
Start with the business goal.
Invest in the tools behind growth.
Explore options for equipment, machinery and other business-critical assets.
Explore optionsPut the right vehicles to work.
Explore commercial vehicle and fleet-related finance options for your next move.
Explore optionsHow it works
From your first question to an informed decision.
Tell us your plans
Share what you want to fund, how much you need and a little about your business.
Discuss your requirements
Talk through your priorities, timescales and the information needed to explore your options.
Prepare your application
If you decide to proceed, provide the supporting information needed for the relevant finance route.
Consider your next step
Review any offer, including costs, repayment terms and conditions, before deciding whether to proceed.
YOUR FIRST STEP, MADE SIMPLEA little preparation.
A little preparation.
A clearer conversation.
You don’t need to know every finance product to get started. A few details about your UK business help put your enquiry in context.
Start your enquiry An enquiry is a starting point, not a commitment to borrow.What to have in mind
Your business
Your business name, trading history and a brief overview of what you do.
Your funding goal
An approximate amount in pounds sterling, what it is for and when you need it.
Your priorities
Cash flow, new equipment, premises or your next stage of growth: tell us what matters most.
Start with an overview. You can discuss any supporting documents with the team as your enquiry progresses.
Why Hello Nucleus
Business ambitions deserve a clear conversation.
One clear starting point
Tell us your business goal, even if you are unsure which type of finance to explore.
Multiple finance routes
Explore business loans, asset finance, invoice finance and commercial property funding.
Your business in context
Your funding purpose, trading position and timescales are the starting point for the conversation.
An informed next step
Use the enquiry to discuss your requirements before deciding whether to make an application.
HELP CENTRE YOUR QUESTIONS ANSWEREDA little more clarity.
Explore all FAQs A little more clarity.
A lot more confidence.
Explore practical answers about business finance, eligibility and the application process.
How long should my business be trading to be eligible for a Merchant Cash Advance or a Business Loan?
A business generally needs to be trading for 3 to 4 months for a Merchant Cash Advance, and 6 to 12 months for a traditional business loan.
How long does it take to receive the funds?
Funds for a Merchant Cash Advance typically arrive within 24 to 48 hours of approval, while a traditional business loan takes 4 to 5 business days; however, a short-term business loan could be arranged the same day, with the maximum within 72 hours upon approval.
Is it necessary for the director/owner to be a homeowner to qualify for the working capital?
No, it is not necessary for a business director or owner to be a homeowner to qualify for working capital finance. Both unsecured working capital loans and alternative funding facilities (such as invoice finance or merchant cash advances) do not require property ownership.
Can I get finance for my business if I have a CCJ?
The answer is yes, though it may present additional challenges. A County Court Judgment (CCJ) can influence a lender’s assessment of risk, as they prioritise repayment assurance. We acknowledge that businesses can experience financial fluctuations and cash flow difficulties. While a CCJ is a serious matter, it does not automatically preclude access to commercial finance. Lenders typically review credit records as part of their evaluation process, and some may require applicants to be free of CCJs.
What are the minimum and maximum amounts I can borrow?
Your borrowing capacity largely depends on your personal situation and your business's trading history. Similar to a mortgage, the size of your business can also influence the available finance. Generally, we provide finance agreements starting from about £5,000 up to roughly £2,000,000.
What is the application process like?
Hello, Nucleus can assist you throughout the application process. After discussing your needs and collecting your business documents, we can save you time by completing proposals and applications on your behalf. The only documents we require are: six months of business bank statements in PDF format, a copy of your most recent full filed accounts—including the profit and loss statement and the balance sheet—that are no more than 15 months old, or alternatively, the management accounts.
Still have a question? We’re here to help you explore your options.
View all frequently asked questionsStart an enquiry
Tell us what your business needs.
Tell us about your plans and how to reach you. Our team will review your enquiry and contact you to discuss your requirements.
✓ No obligation to submit a full application✓ Start with a conversation about your needs✓ Suitable for a range of commercial finance needs