From bakers to barbers, get funds in 48 hours

We help over 35,000 businesses get finance each year, which is why we are the UK’s No. 1 direct business funder.

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  • The UK’s No.1 Direct Funder

  • £8k – £500k Same Day Decision

  • Helped Over 250,000 Clients

No matter the size of your business, we provide finance to aid your cashflow

All businesses require cashflow funding to operate and expand. Unlike a business loan, our finance agreements do not have out-of-date questions that waste your time.

Our process is smooth, fast and tax-efficient

We offer fast business finance on tax-efficient asset finance and asset refinance agreements. Your application will have a same day decision and we will try everything to approve your finance.

We do not offer loans or regulated consumer finance agreements of any kind. We can only deal with businesses for secured finance.

Our free quotes are available to any business in England or Wales. The application process is simple and completed online in minutes. Before applying, you can even check your eligibility.

We understand opportunities may present themselves and you need to act fast. Our modern thinking approach guarantees that once approved you can receive your finance as soon as you are ready.

Please speak to an account manager today or apply online. – We are open 7 days a week.

Stop the search, you’ve found us

We have a specialist department solely providing new start up businesses with: Start Up Funding or finance to purchase a business, start-up capital and general cash flow finance for stock and staff.

We understand the challenges that start-up businesses have. Our huge experience means that no matter how unusual your requirements are, we already understand how to help.

We will not be able to offer finance if you are located in Scotland, Northern Ireland or the Irish Republic. We offer secured funding on asset finance and asset refinance agreements, we do NOT offer loans. Dependent on credit guarantors may be required.


You have the flexibility to settle the finance agreements early and there are no additional penalties for doing so, you will pay exactly the same amount whether you settle the agreement early or you let the agreement run its full term.

The settlement calculation is simply all of the contractual payments that would have fallen due on the agreement added together along with any notice period with a discount of 2% and this will form the settlement figure. We suggest that clients who are considering settling early use their surplus funds elsewhere, as settling our finance agreements early offers small discounts due to the terms of settlement that follows a strict funding covenant.

Transparent process

Once your business has been accepted by us for funding you and any guarantors will be sent a URL link which will enable each of you to read a document outlining our Business Process and so that you can fully understand what we will do and what you should expect to happen very quickly and before you or any guarantors are asked to sign any documents or make any other commitment.

All officers of the applicant limited company will be required to provide their personal guarantees to support the finance agreement. If your business is not currently incorporated as a limited company you will need to register it as a limited company before we are able to offer it any finance.

Business agreements only

Also, any relatives or others who are willing to provide their personal guarantees will have to be a Director, Company Secretary and/or shareholder of the company so that we can be sure they are supporting and actively involved in your business and therefore have a benefit and incentive to provide a guarantee.

The proposed finance agreement together with any personal guarantees and charges to be provided will be posted by us to the relevant individuals in advance of the appointment which will be arranged for our representative to visit in order to get them signed by those individuals.

Dedicated account manager support

It is VERY IMPORTANT that the applicant and any others who are giving personal guarantees, or property charges read the documents posted to them immediately they arrive. If there are any questions or there is anything you or any guarantor does not understand then he/she should telephone our Account Manager without delay and before our representative is due to visit and have those documents signed. Any questions you or any guarantors may have MUST be dealt with by telephoning your Account Manager as the representative who attends with the documents for you to sign has NO AUTHORITY to deal with any queries or give any advice or representations on our behalf save that he will provide some relevant information from a pre-prepared script and which all parties signing documents will be asked to sign acknowledging that they have been given and have understood this information.

Have a question about Business Finance?

We’re always happy to help, please visit our FAQs page or call us to speak to an expert.

Why Nationwide Finance?

  • We are a direct funder

    Direct funders can customize and make exceptions to their own guidelines, meaning there’s easier and faster communication with no one in the middle.

  • We are rated excellent on TrustPilot

    Our clients have deemed us trustworthy and reliable and rated their personal experiences online.

  • We solely offer business asset finance and refinance agreements

    Easier to obtain than a traditional bank loan and the fixed payments make budgeting and cash flow easy & simple to manage.

Key features and potential fees & charges

We suggest you read and understand all the terms and conditions before you proceed, so that you understand your liability and the potential charges due. If there is anything you do not understand, or you would like to know more about, please just ask us. In addition, we recommend that you should always seek the advice of a solicitor before entering into any finance agreement, guarantee or legal charge.

Once an agreement has been signed there is no cooling off period.

We recommend that all individuals giving a personal guarantee and/or charge against their property should take independent legal advice before signing.

Your home and/or that of any guarantor may be repossessed if your business does not keep up repayments on the finance agreement secured by a charge on it.

The potential fees are listed below:

A documentation or credit fee at the start of the agreement from £250.00 to the equivalent of 1 total monthly payment.

A collections fee of £95.00 if you go into arrears.

Interest on defaults are at at 5% per annum above Finance House Base Rate.

Primary monthly rentals (these are your normal monthly payments).

A service risk fee of £100 which covers; collecting rentals, preparing vat schedules, copy documents, financing used goods, goods are not covered by dealer warranties and the financing of higher risk assets.

A notice period and secondary rentals if you would like to continue into an extended secondary period as shown on your agreement (normally used for FTSE companies who may keep assets off balance sheet).

An end of lease asset release fee, releasing goods, debentures and legal charge(s).

Our team pride themselves on their high levels of extremely positive feedback

Averaging 4.85 out of 5 on the three largest* online review platforms, we have recieved over 1500 positive and unique reviews from our customers.

I spoke to Nationwide and they were very professional and helpful and they were very quick in releasing funds, can’t rate them high enough.

Caroline Hall

I contacted Nationwide on Friday and by Tuesday the money was in my bank. Through every step they have been first class keeping me updated and have been a pleasure to work with.


All it took was a phone call and now I have a new agreement which is so much better than the one I had before which means I’m saving money from my existing deal.

Amanda Storey

From bakers to barbers,
get funds in 48 hours

All businesses require cash flow funding to operate and expand. Unlike a business loan, our finance agreements do not have out-of-date credit questions that waste your time.