Resources

One of our partners, Trade Finance Global have written this article to support businesses who export. It can be difficult to find finance to support your overseas endeavours in business. Often, purchase orders mean payment up front and the logistical upfront costs of moving stock around can mount up. Trade Finance Global explain what Trade Finance is and how it can give you peace of mind when exporting.

In the UK alone, it is estimated that more than 500,000 new SME's are created every single year. But with every new business on the horizon, there is a requirement for financial support if the need arises.

With start-up and entrepreneurial culture currently experiencing a boom, unfortunately hand-in-hand with that, is the reality that not all businesses succeed. Businesses failing is common place in today’s fiercely competitive market but speak to anyone who has owned a failed business and the advice will be the same – learn from your mistakes, do not make them twice.

In today's age of technological advancements and a burgeoning entrepreneurship market, Small and Medium-sized Enterprises ('SMEs') are achieving growing success with their business endeavours. Last year, over 23 million SMEs throughout Europe generated €3.9 trillion in total revenue and employed around 90 million people...

The spa industry is big business with predictions that it will grow 5.66% every year until 2021. Make sure you're expanding in the right areas with our great tips.

Spring is almost upon us, which means it is time to refocus now that the hectic post-New Year months are behind us. Forget those failed New Year's resolutions and instead concentrate on forming new habits for your business - then stick to them!

The digital world has made a huge impact on how businesses operate on a day-to-day business. The development of business apps and software means that businesses can work far more efficiently and often, all whilst saving money too.

When it comes to running a successful business, it is always important to learn to walk before you run. Growth is on the agenda for 80% of UK SMEs and in this quick guide on how small businesses can achieve success, identifying seven key factors that every entrepreneur should consider when approaching business.

It can be daunting running a business and knowing how to make sure it performs at its best. Here are our top tips.

You will struggle to find a business that is not implementing last minute changes with the impending General Data Protection Regulations (GDPR) deadline fast approaching....

When thinking about undergoing any sort of refurbishment project, there are multiple factors which should be taken into consideration. Nucleus discuss all of them in this informative blog to enable you to tackle your future hotel refurb properly.

When it comes to running a successful retail business, there are many aspects that when combined together create the winning formula needed to get people coming through the doors. Here are our tips in a quick reference guide.

Whilst there are many things that come along with running a restaurant, the entire experience is predominantly about one thing - the food on offer. Nucleus talk you through how to maximise on profits during the festive season by adding a few carefully selected items onto the menu.

Our CEO Chirag Shah was interviewed recently and has some incredible advice from his experience of working his way up to CEO...

Cadbury's classic marketing campaign has endured for over 20 years, asking consumers - "How do you eat yours?" - to promote their Creme Eggs at Easter. Whether in small measured bites, scooping out the centre with a spoon, blending it into a milkshake or baking it into a cake, this light-hearted snapshot of everyday idiosyncrasies has continued to capture imaginations.

Cash is king in any industry, but in the restaurant business it is particularly vital to carefully balance cash in and cash out. This blog examines the most common challenges faced by business owners and offers practical advice and solutions to help restaurants with their cash flow...

Retail is often a lot harder than it looks. Selling goods to the public can be a booming business one minute, then an absolute nightmare the next. The fluctuating market can mean that business owners have financial headaches at times when they least expect it, which is why preparation is certainly always key.

When our CEO, Chirag Shah, met with journalist Ben Lobel for lunch the conversation turned to the future of the alternative finance industry and those cultural values that are close to Chirag’s heart.

The most important part of any business is actually the quality of its customer service. You might have the best product available in your market right now, but without customer service that does it justice, customers will not remain loyal to your business or brand. Here are our top tips to deliver exceptional service to your customers.

In 2017 we conducted a survey, asking 500 financial decision makers their views and their plans and fears for their business in the year ahead. The results showed that almost half of SMEs admitted that they could not last any longer than a month on their existing cash reserves and for many, it was far less. According to BDRC SME Finance Monitor only 24% of SMEs have a dedicated finance person. Supporting business leaders is our top priority and in this guide we share our expertise, to help manage your finances more effectively...

Of all the factors on which the success of an organisation depends, how effective they are at making a sale definitely qualifies as a top contender. It is the one factor that not only determines the performance of companies but also sets them apart in a fiercely competitive market.

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Earlier this year, HSBC partnered with an alternative funding provider and Chirag Shah, CEO at Nucleus believes that this is a strategy that makes a lot of sense for the parties involved. In this article, Chirag shares his thoughts on this and how he believes this will impact borrowers.

Understanding the direction your business is going in and the financial consequences of decisions made in other areas and by other people in the business is vital for successfully assessing the robustness of your finances, both at present and in the months and years to come.

When it comes to certain industries within the world of business, avoiding peaks and troughs due to seasonality is impossible – it is just the nature of the beast. It can be managed, however, and it all comes down to knowing your cash flow and planning ahead.

With the number of independent coffee shops increasing year-on-year, how can you ensure that yours stands out from the crowd, on a budget?

An appreciation for great tasting food is not the only thing a restaurant owner needs to perfect to keep the customers rolling in. Here are some other important things to think about.

By now, we hope that you have clocked onto the fact that content is the way forward. You will struggle to find someone working in the marketing side of a business who has not come across the popular phrase: "Content is king" and there is a reason for that – because it is absolutely true...

Hidden fees have been a recurring bugbear in personal and commercial finance for decades. Here are some specific to invoice finance.

Recovering unpaid invoices can be a serious hassle for companies. There is nothing more annoying than not being paid on time. To help make this process easier, we have answered some of the most common questions and put together a simple step-by-step timeline to follow...

Chasing unpaid invoices is never an enjoyable prospect for a business but it can be even more painstaking around the Christmas period. With tips on how can you prepare for this time of year and make sure you keep your cash flow healthy and start the new year in a healthy place.

The finance world is filled with complex terminology and technical concepts— most of which are vital shorthand for finance advisors and other industry participants. From business planning to investment, it is common for business owners to come across unfamiliar and complicated phrases.

Learn the benefits of a Business Cash Advance and how linking repayments to your future card takings can ensure that they are always affordable and individually tailored to your business.

Valentine's Day – the day of romance, big gestures – and busy restaurants! The most important factor in any relationship is that the couple is the right 'fit' for each other. Whether driven workaholics, passionate snowboarders, keen to start a family or simply dedicated to exploring the best that London's night life has to offer, compatibility is key. A rewarding partnership relies on understanding, shared long-term goals, and mutual respect.

Owning your own business is daunting, exciting and challenging. Every day is never the same. When it comes to running your own gym, it’s even harder - it's a competitive industry. Here are some ideas to make sure your gym stands out from the rest.

The world of grants can be difficult to navigate. Did you know that there are around 2500 grants and subsidised funding schemes totalling over £750 million currently available in the UK? Experts, Xsortal, share their tips for finding SME funding.

2017 was a big year for Nucleus, we more than doubled our team size in the UK, opened a new Indian office and lent over £350m to UK SMEs. Here, we look back at just a few highlights from the year.

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In this blog, Nucleus discuss the common challenges SMEs are facing this year and offer solutions on how to tackle them effectively.

A hugely important development for the Apprenticeship market has hit the mainstream news today after flying under the radar for a week. Cambridge University have been approved to deliver apprenticeships and, for now, intend to pitch this at the post graduate level for levy paying firms in and around their location. Great news for businesses and their staff that can utilise this resource, mixed news for competitor providers...

We sat down with our CEO, Chirag Shah, to ask him about the Nucleus journey so far, his favourite moments to date and the incredible growth and change that the business has experienced. In light of our most recent accomplishment, £1bn lent to businesses across the UK, Chirag describes his pride in the team for making it happen and looks ahead to the future in 2019 and beyond.

This blog details how to attract customers and keep them coming back! Customer loyalty is one of the key aspects of running any business and this is especially the case for restaurants, who rely on customers returning to keep their doors open.

An event that shared practical tips from leading specialists to help UK business leaders prepare for the impact of Brexit.

Higher education in Britain has suffered a great deal of change in recent times, but currently the changes feel bigger - more of a revolution, in the form of the Higher Education and Research Act 2017 (HERA 2017). In-house Education FInance expert Phillip Speed, examines the changes, shares his predictions and outlines how Nucleus can help.

If your business takes card payments and needs a cash flow boost then a Business Cash Advance (BCA) is the perfect solution. It works like a business loan but with flexible, instead of fixed, monthly repayments. A BCA is business funding for any purpose, calculated based on your card takings. Borrow up to 120% of your monthly card volumes, £5,000 to £150,000.

When it comes to funding the expansion plans of your growing business these days, thankfully there are lots of ways to do so. Whilst the bank used to be the only viable option a business had, alternative finance is growing in popularity. So much so, according to BBA, total applications for bank finance were 9% lower than usual in 2016 as businesses decided to explore alternative options...

In simple words, alternative finance means any sort of finance apart from a conventional high street bank loan. There is a wide selection of alternative finance options available, ranging from cash flow loans to invoice finance; available for both small and larger businesses in all industry niches...

If you are in the world of business, then it is likely that you have heard the words "commercial finance" uttered once or twice. But despite it being common jargon within the industry, it can still conjure up uncertainty for some business owners, unaware of the options available to them.

Did you know that surveys have found that almost 10% of SMEs receive more than three-quarters of their payments behind schedule? On average, invoices are paid 74 days after being issued - that is over double the agreed terms!

What is responsible for the increased demand for short-term secured and bridging loans and the popularity of alternative finance choices. Our in-house expert Paul Fenton shares his insights.

Due diligence is the process of research and investigation by a lender on a business before making a crucial lending decision, therefore making it an incredibly important part of the process.

At the time of writing, the Apprenticeship Levy has been in operation for five months so far in 2017 and there has been plenty of posturing and turmoil within the sector. The Education and Skills Funding Agency (ESFA) have had their difficulties managing procurement processes for all funding streams; being heavily criticised by providers, membership bodies and the Further Education press.

This is a follow up to the blog published a fortnight ago entitled: 'What should apprenticeship providers be doing to make the apprenticeship levy a success?'. The alarming dip in apprenticeship starts since the introduction of the new funding mechanism has been a hot topic in the media over the last 2 weeks.

Shockingly, 82% of businesses that become insolvent do so because of a cash flow crisis. But losing sleep over it isn’t necessary. Cash flow forecasting can allow you to count sheep and not cash again.

Kevin Sullivan came on board at Nucleus in June and has already made an impact. Working as CLIENT DIRECTOR-CORPORATE

In this blog, Nucleus discuss why it is vital that your SME explores its potential funding options to avoid becoming one of the 90% of businesses that fail due to bad cashflow. A lack of working capital and contingency funds is a common challenge SMEs face, so learning how to overcome your fear of funding could be the solution to all your business woes.

Cash Flow factsheet

Download the Construction Finance factsheet. Everything you need to know about the product including features and benefits and what you need to apply.

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Download Education Finance factsheet

This guide will help you to kick-start the process of allowing more time for financial planning and financial decisions, including whether to employ the use of external business finance – for growth, to bridge a cash flow gap or to turn your situation around.

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