Short-term loans to small businesses that are flexible and affordable. Bypass the bank. Avoid the red tape. Get funding fast. This is finance without fuss. Start with our no obligation application.


No instalments until January 2017.

Apply for a business loan in December and your first repayment will be interest-only*.

*Terms & Conditions

Our Products

Merchant Money offers fast, flexible, and affordable unsecured Business Loans up to £100,000, and Pay As You Trade Loans up to £500,000. Our high-tech, high-touch approach allows us to deliver 20 minute in-principle decisions as well as expert lending advice along the way. No obligation or application fees. Your growth is our business!


Business Loans

Company loans up to £100,000 over a period of 1-24 months. No early settlement penalty. Only pay interest on the remaining amount owing. Flexible terms tailored to your credit profile and ability to repay comfortably. Enhancements available including an “interest free” introductory period.

Pay As You Trade

Pay As You Trade

Unsecured advances up to £500,000 based on your future debit/credit card sales. A pre-agreed fee is added to the cash advance and the combined amount is repaid daily and only when you earn. No fixed term or fixed monthly payments. 90% approval rate. No admin fees, no APRs, no hidden extras.

Our Simple Process



Take five minutes to complete our two-step Application Form which allows us to make a 20-minute in-principle decision.



After successful completion of Step One, we will provide you with secure login details to upload additional documentation for our lending experts to review



Once approved, less than 24 hours after completing Step One, you will have the funds in your bank account within two hours. It’s that simple!

Fast, Transparent Pricing

Use our quick estimate calculator to get an idea of the loan you could be receiving.
Please note that these figures are only estimates. Apply Now to recieve an official loan offer

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The Merchant Money Difference

You don’t need a detailed business plan, and you don’t need an appointment. Our processes are fuss-free, quick and our loan terms are flexible, affordable and fully transparent. With Merchant Money you won’t break the bank – you’ll bypass it altogether.

24 hour approval process

Give your business the cash injection it needs, fuss free and quick. It takes 20 minutes for a provisional answer and 24 hours for a final answer. From there, you will have the money in your bank account within 2 hours. It’s that simple!

No early settlement fee

We do not charge fees or penalties if you decide to settle your loan early. You can even repay additional amounts into your account to bring down the balance owing, and you only pay interest on your outstanding loan amount.

Flexible loan terms

Unsecured loans or advances up to £100,000 for periods of 1-24 months. We will agree loan terms with you, tailored to your credit profile and your ability to repay comfortably. We even offer an “interest only” introductory period – particularly useful if you have short-term cash flow concerns.

instant application

Apply in minutes. Our simple, online, automated lending platform enables swift decisions and instant payment transfers upon approval. Absolutely no obligation or application fees. Simply tell us a few details about your business, and we’ll get to work on releasing your funds.

your growth is our business

We’re investors more than lenders. We’ve partnered with scores of businesses, overseeing their growth from small-timers to major players. If you need fast funds to procure stock at a discount, expand production, or hire new talent, we’re ready to help you. Ultimately, we grow by helping you grow.  

high tech, high touch

By combining patented high-tech risk assessment technology with high-touch personal evaluations, we can predict success, fast! This is new-age efficiency meets old-school values: that perfect balance between the click of a button and the shake of a hand. Technology is our enabler – understanding clients’ needs our strength.



funded to SME’s






focused on

What our clients are saying

The Personal Touch

At Merchant Money, we look at the people who stand behind the business and encourage open dialogue, which is vital to our decision making process. Validating each deal on its individual merits, we take into account all sorts of criteria that a bank (and most other lenders) would normally disregard. Ultimately, we seek to understand not just our client’s product, but the way they run their business and how they can extract optimal value from our loan.

Speak to an SME adviser who will want to learn about your business. Together you’ll agree loan terms dependent on your credit profile and ability to repay comfortably.

or Call Us Now on

0800 848 8480

Frequently Asked Questions

How do I qualify?
  • Provided you are registered with Companies House as a trading Ltd company for at least 24 months, you are eligible to apply.
  • For small businesses loans, we welcome applications from UK Registered Companies with a minimum of one year's audited trading accounts. Directors must be over 18 years of age.
  • We also welcome applications from partnerships and sole traders, for loans between £25,000 and £50,000
Can I settle my funding account early?
  • Yes. We usually contract between 12-24 months. We allow you to settle early or pay additional amounts into your account at any time.
  • There are no early repayment penalties or administrative fees.
  • You pay interest only on the outstanding daily balance for the duration of your loan.
  • Please note that a minimum 30 days interest is charged.
How long does the entire process take?
  • We aim to process all applications within 1 business day.
  • Once you have completed the short online application form we will call you to discuss your application in more detail.
  • After your loan has been approved and we’ve received all completed documentation (incl. an e-signed loan agreement), we’ll release the funds.
  • It normally takes under 2 hours for the funds to appear in your bank account.
Do you take security?
  • We do not typically take security, but ask that the principal directors each sign a personal guarantee.
How do I pay you?
  • Aside from Direct Debit, we accept additional forms of payment which can be made by bank transfer, debit card or standing order.
  • You can also use PayPal or pay us online through your business Internet Banking facility.
Are you more or less thorough than banks in your vetting process?
  • We believe that a combination of high-tech and high-touch allows us to make more informed decisions.
  • Though we lack a banking relationship, we do review the customer’s bank statements, as cash flow and financial management are also important risk factors.
  • Our ability to provide the loan is reinforced by the backing we receive from major private equity investors.
What is your interest rate?
  • We assess each applicant individually based on their risk profile.
  • Our monthly interest rates vary from 2% to 5% based on client status, loan term and amount borrowed.
  • Returning customers will often benefit from improved terms as they establish a rating with MM.
Do you partner with brokers and other introducers?
  • Most certainly.
  • We like to help their clients secure business capital. It’s a win-win for all parties.
  • We offer highly competitive commission fees, and always settle early.
  • Brokers find it easy to work with Merchant Money. We offer training to help introducers understand our products, and provide a user-friendly dedicated broker portal on our website.
  • Please contact us on or 0800 8488480 to find out more about MM’s broker referral scheme
How do I qualify for a Pay As You Trade?
  • We welcome your application if you accept cards and can demonstrate a minimum of £3,000 in card transactions per month.
  • Ideally, you will have been in business for more than 24 months.  We don’t cover start-ups.
  • Our aim is to fund small businesses, so we like to be as flexible as we can in approving applications.
What interest do I pay on the Pay As You Trade?
  • Unlike a regular bank loan, there are no interest charges.
  • You pay a single, all-inclusive fee, which gets added to the advance and which remains the same no matter how long you take to repay.
  • There are no application fees, admin charges or hidden extras.
  • Contact our customer service team for a no-obligation quote.