Nucleus Commercial Finance
London-based alternative finance specialist running unsecured term loans, asset finance, invoice finance and property finance under one roof. Tickets up to £20m via mainly broker distribution. Strong record on cases mainstream banks decline on financial-covenant grounds rather than credit grounds. Note: Nucleus group has multiple registered entities; verify the active trading entity at publish time before citing a Companies House number.
Quick routing verdict
- Product: Term loans, asset finance, invoice finance, property finance.
- Ticket band: £25k to £20m.
- Decision time: 24 hours to 7 business days.
- Pricing: Bespoke, from around 8% APR equivalent.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Nucleus Commercial Finance Limited
- Founded
- 2011
- Product
- Term loans, asset finance, invoice finance, property finance
- Ticket range
- £25k to £20m
- Decision time
- 24 hours to 7 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Wide product range under a single underwriter.
- Direct lender; pricing not loaded with broker mark-up at source.
- Decisions inside 24 hours on simpler cases.
- Useful for borrowers needing a bespoke structure across multiple products.
When we route elsewhere
- Pricing not published; quoted at offer.
- Brand awareness narrower than Funding Circle / iwoca for unsecured.
- Hard credit search at full application.
- Most distribution still runs through brokers.
Best fit applicants
- Mid-ticket SMEs with mixed needs
- Bespoke asset or property-backed deals
- Established Ltd companies post-decline elsewhere
Where Nucleus Commercial Finance is the wrong fit
- Sub-£25k self-serve
- Sole traders without trading depth
- Pure rate-shoppers
If declined by Nucleus Commercial Finance
If your application to Nucleus Commercial Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Nucleus Commercial Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Nucleus Commercial Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Nucleus Commercial Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.