NuMarket - 2026
The Nu
High Street Bank
Rebuilding the relationship between capital and the businesses that make up the real economy.
The Opportunity
A massive, untapped gap in small business finance.
5.5 million SMEs in the UK
Chronically underserved by traditional lenders
£100B+ annual financing opportunity
£100B+
Annual UK high street
financing opportunity
financing opportunity
The Problem
The Problem for High Streets
The Lender's Problem
No relationship
Community banks are gone. International conglomerates don't know their borrowers.
Wrong data
Traditional credit models weren't built for brick-and-mortar SMEs. The risk is unreadable.
The Small Business Problem
No access to capital
Viable businesses can't grow or invest without access to working capital.
Extortionate rates or nothing
When capital is available, it comes at punishing cost — interest rates as high as 35%, pushing businesses into a debt spiral instead of growth.
The Insight
The best lending signal isn't credit history. It's future customer demand.
Do real people like this business enough to be a loyal customer for years to come?
What is NuMarket
A new form of capital for the High Street.
NuMarket works one-to-one with any brick-and-mortar business — new or established — to unlock working capital directly from their own customers. No debt. No dilution.
Not a loan — the business owes nothing back
Not investment — customers get credits, not equity
Become a Regular
Buy into Blackbird Doughnuts
You would receive $180 in credits
The Solution
Customer Capital + Private Credit
Phase 1
Customer Capital Round
Customers buy in and receive 20% more back in credits. The business gets immediate working capital — no debt, no dilution. Works for any business with customers.
Phase 2
Private Credit Follow-On
With proven demand and proprietary performance data, private credit deploys with far greater confidence — at lower risk and fairer rates than any traditional lender.
The Data Advantage
Proprietary signal no lender has had access to
Customer spend, credit utilisation, and retention — from people who have already committed their own capital to the business.
The Relationship Advantage
NuMarket works directly with every business
A hands-on, ongoing relationship with each owner — built and maintained over time before any credit decision is made.
How It Works
From high street business to creditworthy borrower
1
NuMarket works with the business
A direct relationship with new and established businesses alike. NuMarket manages every step to market.
NuMarket
2
Customers buy in. Capital flows.
Customers commit upfront and get 20% more back in credits. The business receives immediate working capital.
Customer Capital
3
Data is captured
Spend patterns and credit utilisation build a proprietary lending profile unlike anything else in the market.
Proprietary Data
4
Private credit deploys
Capital flows into businesses with proven demand, real operating data, and an established relationship.
Private Credit
Traction
Proven in the US. Ready for the UK.
$3.5M+
In Customer Capital deployed to US small businesses
200+
Brick-and-mortar businesses that have gone live on NuMarket across the US
The UK Moment
Backing the High Street has never been more urgent — or more bipartisan.
As AI reshapes how people work, physical spaces become more valuable, not less. The High Street is the irreplaceable centre of community life. It needs capital to be there.
The AI tailwind
As remote and digital life accelerates, physical community becomes more valuable. High street businesses are the antidote — and they need capital to be there.
The political moment
High street revival is a government priority. Private capital filling the community banking gap is welcomed, not resisted.
The commercial moat
No other lender holds this data or builds this relationship. NuMarket is the infrastructure, not a product.
The Private Credit Opportunity
NuMarket surfaces the relationship and data. Private credit deploys the capital.
What NuMarket provides
- Direct relationships with business owners, built and maintained over time
- Validated customer demand before any credit decision is made
- Proprietary spend and credit utilisation data
- A growing pipeline of data-backed SMEs
What private credit gains
- Lower-risk deployment into demand-proven businesses
- Enormous deal flow that is difficult to access through any other channel
- The financier of the High Street
NuMarket + Private Credit = £100B of capital to UK High Streets