For UK limited companies. £8,000 to £10 million. A named UK adviser, an in-house underwriter and money in your account the next working day. No broker fees, no chains, no two-week loops.
Quick quote · 30 seconds · No live credit checks
Late-paying customers, payroll on the wrong day, lumpy quarters. Short-to-medium term funding to smooth the dips.
Second premises, geographic expansion, new product lines, hiring teams. Longer-term capital to grow without dilution.
Manufacturing kit, commercial vehicles, IT, kitchen equipment. Asset-secured options often available.
VAT, corporation tax, PAYE. Cleaner than Time-to-Pay.
Management buyouts, partner buyouts, trade acquisitions. Senior debt structured around the target's cash flows.
Kitchen refits, dining rooms, salons, gyms, retail fit-outs. Funded so you're ready before peak trade.
Traditional Banks lost our application twice. Nationwide Finance funded the same loan in 3 days.
UK companies have three real choices when they need a loan. Here's the honest comparison - including what we're not best at.
| What you get | Nationwide FinanceDirect lender | High street bank | Broker / marketplace |
|---|---|---|---|
| Who decides | In-house UK underwriter | Regional credit committee | Forwards your file to 5–20 lenders |
| Decision time | 4 working hours | 5–10 working days | 3–10 days plus broker layer |
| Funded in | 24 hours typical | 45-60 working days | 21-30 working days |
| Broker fee | None | None | 8–10% of loan |
| Same person from start to finish | Yes - named adviser | Usually no | Broker yes, lender no |
| Best for | Speed, mid-sized deals | Largest deals, willing to wait | Complex cases needing shopping |
Real customers, verified by Trustpilot. Sorted by most recent - click through to read all of them, including the ones that aren't five stars.
Four steps. One UK adviser, end-to-end. Most loans complete in 24 hours.
30-second form. Companies House auto-fill so you don't type director details.
Within 2 working hours. A named human who'll handle your case end-to-end.
Our underwriting team reviews and decides. No committee, no shopping the file.
Sign your documents. Funds available after 24 hours.
A snapshot of what we've funded in the past month. Different sectors, different sizes, same direct-lender process.
“Three high-street banks each took 4 weeks for the same offer. Nationwide Finance had us signed and funded inside 36 hours.”
“VAT due, £48k short. Signed on Monday, funds with HMRC inside 24 hours.”
“Two of us bought out the founders. Funded the senior debt in 3 days.”
The questions we hear most often on the first call. If yours isn't here, the full FAQ has more - or just ask us directly when you apply.
See the full FAQ →UK limited companies (Ltd), limited liability partnerships (LLP) and public limited companies (PLC) registered with Companies House. No minimum trading time - brand-new companies are funded through our specialist Start-Up Loans team from day one. We don't lend to sole traders or partnerships, but if you haven't incorporated yet we can guide you through setting up.
From £8,000 to £10,000,000. Most loans we write are between £25,000 and £500,000.
Decision in 4 working hours, funds in 24 hours for most loans. Larger loans take 2–5 working days.
No. We're the direct lender - there's no broker in the chain.
Yes, any time, with no early-settlement penalty. You actually receive a discount for settling early.
Any legitimate business purpose: working capital, expansion, equipment, hiring, marketing, tax bills, stock, acquisitions, refits.
No live credit checks during the application. Applications are assessed on the merit of the business. A full credit check (offline) only happens if you accept a formal offer.
You just need to complete the application. If we need further information we will request it.
We consider all credit profiles. Past CCJs, defaults or refusals don't automatically disqualify you - we underwrite on the business as a whole.
No credit impact at application. A named UK adviser will call back the same working day to talk through what you need.