Adam Tyler
Director of Broker Division
A direct lender, built for UK business owners.
We approve, fund and service every loan in-house. No brokers, no chains, no shopping your application around. One conversation, one underwriter, one bank transfer.
By the numbers
£3.4bn
Approved for UK businesses.
Every pound underwritten in-house.
Every client serviced by our own team.
Every pound underwritten in-house.
Every client serviced by our own team.
Businesses helped each year50K+
Average decision time4 hours
From application to loan received24hrs
Trustpilot rating4.9 / 5
Our principles
Three rules we run the lender by.
Everything we do comes back to these. They are how we decide which deals to take, which products to offer and which corners we will not cut.
Principle 01
Direct, every time
Every loan on our books is ours. We do not introduce, we do not white-label and we do not pass your application to a panel. The person on the phone has the authority to say yes.
Principle 02
Decisions, in hours
Most underwriting calls are made the same working day. We tell you what we need at the start so we are not chasing documents to delay an answer we already have.
Principle 03
The rate is the rate
What we quote is what you pay. No introducer fees, no arrangement spreads added on top, no surprise mark-ups at signing. Settle early and we rebate 10% of remaining interest.
The difference
Why business owners pick a direct lender.
The high street has spent two decades adding people between you and your money. We took them all out.
Broker route Avoid
- 3-6% broker fee
- Slow decisions
- Twice the paperwork
- No rate control
- No ownership
Nationwide Finance Direct
- Zero broker fees
- 4-hour decisions
- One application
- The rate is the rate
- One named adviser
How we operate
End-to-end, in-house, in the UK.
Four working hours from application to indicative offer is unusual for a reason: every step is run by people in our building, on our payroll.
1
Application
30 seconds online. Loan amount, term and a couple of business details. No live credit check yet.
Same minute
2
Adviser call
A UK adviser calls back to talk through the purpose, the security and your preferred structure.
Within 30 min
3
Underwriting
Our in-house team reviews the application. Decisions are signed off by a named underwriter, not a panel.
Same day
4
Drawdown
Sign your documents and we'll send the funds across. Most loans drawn within 24 hours of offer.
Next day
The legal bit
Our loans, plainly explained.
Nationwide Finance Ltd is a UK limited company registered in England and Wales (Co. No. 12199793). We are owned by Moneycore Asset Management Limited. We lend only to UK limited companies for business purposes. We can only lend to limited companies so you will need to have set up and registered your company before we can finalise any advance.
The team
Lot's of people. One Team.
Every loan you take with us is approved, funded and serviced by these people.
30 seconds · No live credit check
Apply for a business loan today.
One application, a decision in hours, money in 24 hours. No brokers, no chains, no shopping your application around.