Nationwide Finance: products, terms and eligibility

Nationwide Finance is a UK provider of secured business loans. The legal entity named on its site is Nationwide Finance Limited, company number 12199793. It is based in Olney, Buckinghamshire. Companies House shows the company was incorporated 2019. It is part of Owned by Moneycore Asset Management Limited.

Nationwide Finance Limited is registered in England and Wales (company number 12199793, incorporated 2019) and is owned by Moneycore Asset Management Limited. Its About page says it handles approval, funding and servicing of every loan in-house in the UK and shows an office at Olney Office Park.

In its own words on scale:

• Says UK businesses have been approved for £3.4bn of lending (figure on its About page in October 2026).
• Says it helps more than 50,000 businesses each year (own claim, October 2026).

Everything on this page comes from what Nationwide Finance publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Nationwide Finance publishes 2 products for UK businesses. The table above gives the amounts and terms as it states them.

• Business loans: Fixed monthly payments.

Business loans

Loans of £8,000 to £10 million for UK limited companies, LLPs and PLCs, with a typical range of £25,000 to £500,000 and repayment periods of 1 to 6 years depending on loan type. Repayment is by fixed monthly Direct Debit on the 14th or 28th. Personal and/or corporate guarantees are required, and charges may be registered over residential or business property depending on loan size and credit status. No minimum trading history is required.

Start-up loans

Brand-new companies can apply through a dedicated start-up loans team. The lender’s FAQ says it funds businesses from pre-revenue start-ups upwards, with no minimum trading time.

Nationwide Finance says its finance is used for:

• Working capital
• Expansion
• Equipment
• Hiring
• Marketing
• Tax bills

What it says it does not fund:

• Sole traders and partnerships (must incorporate first)

Nationwide Finance publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• UK limited companies, LLPs and PLCs registered with Companies House.
• No minimum trading time; start-ups are handled by a specialist team.
• Does not lend to sole traders or partnerships.
• Business purposes only; no personal consumer credit or regulated residential mortgages.
• Businesses based outside the UK are excluded.

Nationwide Finance describes its process like this:

1. Complete the online application form (Companies House auto-fill is available).
2. An adviser contacts the applicant.
3. The in-house underwriting team assesses the application.
4. A formal offer is accepted and full credit checks follow.
5. Documents are signed and funds are paid.

Information it says it asks for:

• The lender says it requests further information only if needed after the application.

Every application is subject to status and the lender’s own criteria at the time.

A secured business loan is borrowing backed by a charge over property or other assets. Security can mean a larger loan or a longer term than unsecured lending, but the asset is at risk if repayments are not kept up.

Lenders value the security and usually lend up to a set share of that value, so allow for valuation and legal work. Read how to compare business loan lenders before weighing a secured offer against an unsecured one.

Points Nationwide Finance publishes that are worth knowing:

• Requires personal and/or corporate guarantees to support the agreement.
• May take a legal charge or unilateral notice over residential or business property, and a debenture over company assets.
• Unsecured options are stated to be available only to listed companies, FTSE 250 companies, charities, non-profits, CICs and other associations.
• Says a full credit check happens offline only if you accept a formal offer.
• Says early settlement is allowed with a discount for settling early.

Security and guarantees

Personal and/or corporate guarantees are mandatory. Depending on loan size and credit status, charges may be registered against residential or business property. Its FAQ says personal assets are at risk only to the extent of the security or undertakings signed. Early repayment is allowed without penalty.

Nationwide Finance’s site states: “We are a Direct Funder - Nationwide Finance Limited - Company Registration No: 12199793. We are solely a direct lender and not a broker or introducer. We do not provide regulated consumer agreements. We are owned by Moneycore Asset Management Limited.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of secured business loans with profiles here include RAW Capital Partners, Time Finance and Together. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.