Long Term Business Loans

Reach your business potential with our hassle-free long-term business loans. We offer a variety of long-term business loans with a range of unsecured and secured options. We’re here to help make your long-term business dreams a reality.

£3k – £50m
Up to 7-year terms available
Rapid funding in 24 hours

Long-term business loans explained

Long-term business loans are a great way for small to medium-sized businesses to borrow money so they can grow. Unlike our short-term business loans that must be repaid within a year, long-term small business loans can be paid back over several years. Most types of long-term business loans tend to have lower monthly repayments because of the duration. This allows you to invest in the longevity of your business, without impacting the day-to-day operations and cash flow. Our long-term business loans are an ideal way to finance young companies that are looking to take the next step in their business growth. At Nucleus Commercial Finance, we make it our mission to support as many SMEs as we can. In fact, we’ve already lent over £2 billion to businesses like yours across the UK. If you’re ready to take the next step with your business, we’re here to help. Once you’ve been accepted, you could receive your long-term business loan in as little as 24 hours.

What can long-term business loans be used for?

The great thing about a long-term small business loan is that it can be used for virtually anything. Long-term loans are designed to help you fund long-term projects, whether it’s expanding your current premises or product offering, acquiring another business, investing in more equipment or starting a second branch.

Ultimately, a long-term business loan is designed to support your growing business needs.

New premises

Expand your office or open a physical store. With a long-term loan, that’s all possible!

Management buy-out

Buy-outs can be an expensive undertaking. With a long-term business loan, you can reduce the financial burden on your day-to-day cash flow.

Growth

Reach new heights – and new markets. With a long-term loan, your business can grow as big as your dreams.

Training & recruitment

A business is only as good as its people, so invest wisely.

Peace of mind

Running a business can be stressful at the best of times, but a long-term loan can provide you with that financial peace of mind you need.

External factors

From pandemics to Brexit, sometimes external factors impact the operations of a business. A long-term business loan can get you back on track.

What are the advantages of long-term loans for businesses from Nucleus?

Lower interest rates

When you borrow over a longer term, you’ll enjoy lower interest rates compared to loans with shorter terms.

Manageable repayments

Long-term loan repayments tend to be smaller because they’re spread over a long period, making them great for small businesses

Transformative sums

We offer both secured and unsecured long-term business loans with borrowing amounts of up to £50m, which can have a truly game-changing effect on the success of a business.

How to apply for a long-term small business loan

1

Submit your application

Transform your future by completing our simple application form.

2

Receive your offer

Within a matter of minutes, you’ll be provided with a tailored offer thanks to our award-winning technology.

3

Sign your agreement

Using any electronic device, simply sign the loan agreement and send it back to us.

4

Get your funds

You can get access to the funds you need in as little as 24 hours.

5

The sky’s the limit

Use your funds to transform your business and reach new heights!

Get your long-term Loan

Applying for a long-term business loan

Eligibility

  • Proven profitability in recent accounts
  • Minimum 3 years trading history
  • Registered in England or Wales
  • Homeowner in England or Wales

Documents

  • 3 months’ business bank statements
  • Full set of business accounts
Apply Now

As one of the UK’s best long-term business loan lenders, we have several solutions to meet your financial needs. Whether you need an unsecured or secured loan, we can help, especially if you’ve been turned down by traditional lenders in the past.

We’re all about empowering small to medium-sized businesses and helping you reach your business growth goal. When you choose our long-term business loans, you’ll also receive:

Flexible finance

Our long-term business loans allow you to borrow between £3,000 and £50m.

Quick funding

A long-term business loan from Nucleus could be deposited to your bank in as little as 24 hours.

Flexible terms

We know that running a business can be stressful, which is why we offer flexible terms that meet your needs – not ours.

No early repayment fees

Unlike a lot of long-term business loan lenders, there’s no extra cost for early repayment with us.

This amount is different on different pages – please amend to correct amount

The main advantage of a long-term small business loan is that you can borrow a significant amount of money and repay it over a longer period. This means that your immediate cash flow won’t be affected, and it won’t impact day-to-day operations.

Whether you’re looking to launch a new product, expand your services or relocate to a larger HQ, this long-term cash support allows you to take your business in the right direction, providing you with greater financial freedom and flexibility.

Long-term business loans will also help your company build a worthy credit rating, which could help improve your chances of securing larger loans in the future, as long as repayments are made.

However, if you’re looking at taking out an unsecured long-term business loan, you might not be able to borrow as much as you need and have to resort to taking out a secured loan. If you default on repaying a secured long-term loan, your assets may be at risk.

Before taking out a long-term business loan, there are a few things you should consider. Because long-term business loans tend to be for larger sums of money, you will need to show that your business isn’t a risk. If you’re a small business looking to loan a large amount of money, you may be required to secure it against an asset, such as business equipment or property.

Long-term business loan lenders will want to make sure the risk of you defaulting on a payment is low, so your financials must be in good order before you apply. Lenders will look into all aspects of a business’s financials, including their credit score and even detailed plans regarding how you’ll be investing the money.

Ultimately, before taking out any sort of debt financing, you should make sure you can afford the monthly repayments. A long-term business loan calculator can help you do the sums and you should make sure you create a forecast for best and worst-case scenarios too.

Long-term business loan FAQs

The minimum amount you can borrow with a Nucleus long-term small business loan is dependent on your circumstances. Where possible, we will work with you to establish what it is you need from your long-term loan. That way we can ascertain whether a secured or unsecured long-term business loan is more suitable for you.

Here at Nucleus, we offer flexible business loan terms. We know that owning and running a small business requires a degree of flexibility, so we’re here to tailor our terms to suit you.

Our team of specialists have a wealth of experience and will provide a consultation to decide which type of long-term business loan is right for you.

Dependent on the product, we can provide you with your funds in as little as 24 hours.

The repayment charges for a long-term business loan will vary depending on the makeup of your debt financing. Regardless of the costs, we’ll be clear and upfront, so you’ll know exactly how much you’ll owe, making it easier to budget for the course of your repayment term.

The eligibility criteria will depend on which of our long-term business loans you require. When you get in touch, we can discuss where you are in your business journey and ascertain which of our loans you’re suitable for.

You can call us on 020 7839 1980 or email business.support@nucleus-cf.co.uk.

We offer different types of long-term business loans, so whatever you’re searching for, we can support your needs. From secured property finance loans to invoice loansbusiness growth loans to cash advance loans , browse our range of long-term business loans today and together we can take your business to new heights.

Please add / alter / amend any of these products that you don’t see as a long-term loan.

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