Nationwide Finance, operating as Nationwide Finance Limited, is a direct UK commercial lender specialising in fixed-rate commercial loans and asset funding. Owned by its parent group, Moneycore Asset Management Limited, the company handles underwriting and funding entirely in-house. It offers business financing solutions with repayment terms ranging from one to six years, catering specifically to incorporated businesses across the United Kingdom.
Feature | Details |
|---|---|
Provider Name | Nationwide Finance (Nationwide Finance Limited) |
Parent Group | Moneycore Asset Management Limited |
Entity Type | Direct commercial lender |
Companies House Number | 12199793 |
FCA Firm Reference Number | 301606 |
Minimum Deal Size | £8,000 |
Maximum Deal Size | £10,000,000 |
Term Lengths | 1 to 6 years |
Products Offered | Business loans, asset finance, machinery loans, VAT and tax loans |
Access Routes | Direct, Vendor |
Business Finance Products Offered by Nationwide Finance
Nationwide Finance provides a selection of funding facilities designed to support UK corporate entities. Their core product portfolio includes fixed-rate Business Loans and specialised Asset Finance options.
These products cover several specific commercial needs:
Business Loans: Fixed-rate commercial funding used for general growth, operational expansion, or working capital.
Asset Finance and Machinery Loans: Financing tailored to help companies acquire essential plant, machinery, and commercial equipment.
VAT and Tax Loans: Targeted funding solutions designed to help businesses spread the cost of their tax and VAT liabilities over manageable terms.
Because Nationwide Finance manages underwriting and funding in-house, businesses work directly with the lender's funding structure across terms lasting from one to six years.
Who Does Nationwide Finance Suit?
Nationwide Finance focuses on supporting UK limited companies at various stages of their development. Its funding criteria suit established businesses, as well as early-stage start-ups and pre-revenue limited companies needing £8,000 to £10,000,000.
This provider suits incorporated businesses looking for fixed-rate funding options to acquire tangible assets, manage machinery purchases, or cover major tax commitments without taking on variable rate uncertainty.
Eligibility Criteria and Deal Sizes
To secure funding from Nationwide Finance, businesses must meet specific structural requirements:
Incorporation Status: Funding is strictly available to UK limited companies. Nationwide Finance does not lend directly to sole traders or partnerships. Sole traders and partnerships must incorporate as a limited company prior to finalising funding.
Deal Range: The minimum deal size supported is £8,000, while the maximum deal size reaches £10,000,000.
Business Stage: Applications are accepted from trading entities, early-stage start-ups, and pre-revenue limited companies.
Nationwide Finance Limited is registered under Companies House number 12199793 and holds FCA firm reference number 301606.
How to Access Nationwide Finance
Businesses can access funding from Nationwide Finance through two primary channels: direct applications or vendor channels.
Direct applications allow company directors to contact Nationwide Finance directly via their website (https://www.nationwidefinance.co.uk/). Vendor routes enable equipment and machinery suppliers to offer Nationwide finance facilities directly to their business customers at the point of purchase.
Compare Your Options with SME Money
Choosing the right business lender requires careful consideration of rates, terms, and eligibility rules. While Nationwide finance offers direct funding for limited companies, exploring the wider lending market helps ensure you secure terms aligned with your commercial goals.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank. Whether you require fixed-rate commercial loans, tax facilities, or equipment financing, comparing options across multiple providers allows you to make an informed choice for your enterprise.