Nucleus Commercial Finance
London-based alternative lender. Its published broker products are Nucleus Business Loans (unsecured term loans of £10k to £500k from 1.99% per month, personal guarantee required), Enable (a higher-risk option of £10k to £350k offered when the main criteria aren't met) and a Credit Builder product of £3k to £25k. Distribution runs mainly through brokers. The company that traded as Nucleus Commercial Finance from 2011 was renamed NCF Realisations (2024) Limited in October 2024, and the name now sits with company 14143216.
Quick verdict
- Product: Unsecured term loans, plus higher-risk and credit-builder options.
- Ticket band: £3k to £500k across its loan products.
- Pricing: Term loans from 1.99% per month (its published broker factsheet).
- Nucleus Commercial Finance says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Nucleus Commercial Finance, at a glance
- Legal entity
- Nucleus Commercial Finance Limited
- Companies House
- 14143216
- Founded
- 2011
- Product
- Unsecured term loans, plus higher-risk and credit-builder options
- Ticket range
- £3k to £500k across its loan products
- Decision time
- 24 hours to 7 business days
- Ltd-only
- No, the lender also accepts other structures
Where Nucleus Commercial Finance is strong
- Three tiers of unsecured lending, so a case that misses the main criteria can be offered a higher-risk option.
- Direct lender; pricing not loaded with broker mark-up at source.
- Published product factsheets for brokers set out amounts, rates and terms.
- Useful for borrowers needing a bespoke structure across multiple products.
Watch-outs, and when another lender may suit better
- Higher-risk tiers are expensive (Enable from 3.89% per month; Credit Builder 2% per week, per its factsheets).
- Brand awareness narrower than Funding Circle / iwoca for unsecured.
- Hard credit search at full application.
- Most distribution still runs through brokers.
Best fit applicants
- Established SMEs wanting an unsecured term loan of £10k to £500k
- Broker-introduced cases that miss mainstream criteria
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, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + 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.
FAQ
What can I borrow through Nucleus Commercial Finance?
Nucleus Commercial Finance offers unsecured term loans, plus higher-risk and credit-builder options. Ticket range: £3k to £500k across its loan products. Typical rate: Term loans from 1.99% per month (its published broker factsheet).
How long does Nucleus Commercial Finance take to decide?
24 hours to 7 business days Nucleus Commercial Finance says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Nucleus Commercial Finance the best fit for?
First on the list: Established SMEs wanting an unsecured term loan of £10k to £500k. The full list is under Best fit applicants above.
When might another lender suit better than Nucleus Commercial Finance?
First on the list: Sub-£25k self-serve. The other cases are under Where Nucleus Commercial Finance is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Nucleus Commercial Finance
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.