Catalyst Business Finance is a direct lender (not a broker) authorised and regulated by the Financial Conduct Authority. It was founded in 2012 with the aim of providing simple, short-term cash advances to SMEs without the need for long-term contracts or complex fees.
Based in Stroud, Gloucestershire, it helps SMEs across a range of industries utilise the assets they already have to help grow their business.
Help your business grow with Nucleus Cash Flow Finance
If your business has been trading for at least 3 years, Nucleus Cash Flow Finance can provide the additional funds for your SME needs.
This is a simple way to release cash tied up in your outstanding unpaid invoices. It could enable your business to even out an unpredictable cash flow, but it does come at a price.
Borrow up to 80% of the value of invoices.
Pay a fixed fee when your invoice is paid.
Pay an agreed-upon, fixed, daily interest rate.
Save money if your invoices are paid early.
How does it work?
Choose the invoices you would like to fund. You’ll then receive up to 80% of the invoices’ value. You can choose to have a single invoice or multiple invoices funded.
When your customers pay, Catalyst Business Finance will deduct a fee and you will receive the remaining balance.
You’ll be charged a fixed daily rate, which means you only pay for what you use – not what you think you’ll use. This will work out better for you if your customer pays earlier than expected.
You should only apply for invoice financing with Catalyst Business Finance if you’re certain you can meet the repayment terms. You should also meet the following criteria:
Be a registered PLC, Limited or LLP.
Typically have more than £25,000 outstanding on an invoice at any one time.
Be registered and trading from mainland UK.
Invoice businesses for goods and services provided.
Commercial business loans
Catalyst Business Finance offers short-term commercial loans with no set-up fees or early repayment charges.
Borrow £25,000 to £1 million.
Repay over 3 to 12 months.
Equal monthly repayments including capital and interest.
Pay an agreed-upon, fixed, monthly interest rate.
Security asked for in the form of debentures and personal guarantees.
How does it work?
You’ll need to fill out the online application form on the Catalyst Business Finance website with some basic details about yourself and your business. An adviser will call you to go through your application in more detail.
A credit check will be performed that will leave a permanent mark on your credit file. Once approved, you could have the money in your bank account within a few working days.
You will pay a fixed daily interest rate that has been agreed upon. It will be taken from your bank account as a monthly direct debit over the set term you have agreed to.
You should only apply for a Catalyst Business Finance business loan if you’re certain you can meet the repayment terms. You must also meet the following criteria:
Be a registered Limited Company, LLP or PLC – sole traders or partnerships are not eligible.
Have been trading for more than two years.
Be a UK homeowner.
Have a business based in England, Scotland or Wales.
Get tailored loan quotes
Save time by checking eligibility with multiple lenders and get quotes for BBLS/CBILS and other loans.
Unless it’s a confidential facility, yes. You will need to add a short explanation to your invoice before you send it to your customer.
An adviser will contact you shortly after the original payment date to remind you that the invoice is due for payment. If it is still outstanding 14 days later, they will call you again to see what steps can be taken to get the invoice settled promptly. They will stay in touch with you in this way until the invoice is paid.
You will pay a fixed daily interest rate on the money you borrow. This will be taken via direct debit on an agreed date each month.
Yes, you will not be charged an early repayment penalty charge, so you only pay for the loan while you have it.
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
Business loan statisticsBusinesses all over the UK face financial instability daily, which often requires outside funding. We have looked into how the state of borrowing for these businesses differs between the industry, over the years, and for the size of the business.
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