Fast, flexible finance

Small business loans up to £500,000. Bypass the bank, avoid the red tape. This is finance without fuss.

Apply for Free | About us

The Merchant Money difference

Our high-tech, high-touch approach allows us to ensure a smooth and easy loan process as well as expert lending advice along the way.


High Touch

We like to keep things personable and real. We want to understand our client needs and treat each business individually.

High Tech

By combining our personal evaluations with patented high-tech risk assessment technology, we can predict success fast.

High Speed

Apply in minutes and our online lending platform will ensure we have the funds in your bank account within 24 hours.

High Growth

We are committed to your continued growth and our refund policy is most competitive.

Our products

Whatever your business, we can help! We offer flexible finance solutions, tailored to the specific needs of your business.
Apply in minutes with a 24-hour approval.


  • Business loans up to £100,000
  • Loan terms from 1-36 months
  • Only pay interest on what you owe

Apply now More info


  • Pay as you trade finance up to £500,000
  • Collections via future card transactions
  • Only repay when your customers pay you

Apply now More info

Success stories

Merchant Money fund The Borough to become nation’s pride – their story.

As featured in

telegraph business-reporterforbesentrepreneur


What will it cost? That depends on the product you will apply for. Select one of the products on the tabs below and get an idea of the minimum repayments.

Fast, Transparent Pricing

Use our quick estimate calculator to get an idea of the Business Loan you could be receiving.
6 repayments from £3571
Get a real quotation in minutes with a 24 hour approval
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*Please note that this calculation is an estimate only. To find out exact amounts you should speak to us or apply for free.
Full terms and conditions will be in the loan offer.

Fast, Transparent Pricing

Use our quick estimate calculator to get an idea of the advance you could be receiving.

Estimated Daily Repayment -

Maximum Loan Value -

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*Your estimated daily repayment is based on your monthly card turnover. We take an agreed percentage of all future card sales, big or small, until your advance is fully repaid. To find out exact amounts you should speak to us or apply for free. Full terms and conditions will be in the loan offer.



funded to SME’s






focused on


Speak to our team of experienced advisors, who will help you customise the best loan type for your business needs or with any other question.
Get approved for up to £500,000 today. Absolutely no hidden fees and no hassle!


How do I qualify?

Provided you have been registered with Companies House as a trading Ltd company for at least 24 months, you are eligible to apply.

How do I borrow from Merchant Money?
  • We lend from £1,000 to £500,000.
  • You simply answer a few short questions after clicking the 'Apply Now' button.
  • Within 20 minutes a member of our team will call to discuss your business and how we can best help you.
  • Once we have verified our underwriting requirements, your loan will be approved quickly.
  • Once we have electronically completed all your signed paperwork, the money will be in your account within two hours.
What do you look for when you talk to potential customers?
  • We look at whether potential customers have a track record of running a business, and whether there are any past credit bumps.
  • We want to get to know the applicant: to what extent do they understand their market and their business; how engaged, enthusiastic, and passionate are they; how will the loan support their growth plans.
  • We believe there are available data that traditional lenders are ignoring. We operate in a digital market, and many clients have far better profiles than their profiles at credit reference agencies would suggest.
  • Traditional banks aren't able to pay attention to this detail and as a result small businesses are the losers.
  • Our advantage in meeting customer needs comes through understanding the “hidden” details of their business.
What interest do you charge?
  • We assess each applicant individually based on their risk profile.
  • Rates typically vary between 1.75% and 3%, based on loan term and amount borrowed, as well as the profile of the business seeking the loan.
  • We will carefully assess your business’s needs, credit profile and ability to repay the loan comfortably before agreeing terms with you.
  • In some cases, we offer value-adding extras, including an “interest only” introductory period – particularly useful if you have short-term cash flow concerns.
  • Returning customers will often benefit from improved terms as they establish a rating with Merchant Money.
How does your “Low Start” loan work?
  • If you take this option you pay only interest in the first three to six months of your loan.
  • For the remainder of your loan you will pay both interest and principal to settle the balance.
Do you check my credit record?
  • Yes, we use our technology to search a vast amount of data before we approve your loan.
  • With your permission we use leading Credit Reference Agencies to check your business and personal credit reports.
Can I settle my loan early?
  • Yes. We only charge interest up until the day you settle.
  • We have no hidden fees or charges.
Why do I need a personal guarantee from two directors?
  • Our loans are provided quickly, and are not secured by any collateral.
  • Customers appreciate the speed and flexibility this offers.
  • We deal with small businesses in which owners have a personal stake and believe in their future success, so directors should not have any problem with personal guarantees.
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 do not have 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.
Will returning customers get a lower rate?

Naturally, returning customers who were good payers will be eligible for a lower rate on a new loan.

What am I tying myself to when I apply?

There are absolutely no obligations, and no application fee. Once you have received approval, you can decide whether or not to proceed.

How do I repay?
  • For the PAYT product: We will agree upfront a daily percentage of your Visa and MasterCard sales transactions – and this will be automatically deducted by the processor. So the payment will fluctuate directly in proportion with your daily card sales.
  • For the term loan product: We collect payments via a monthly direct debit. We also accept bank transfer, debit card and PayPal if you wish to make additional payments at any time.
What happens if I fall behind on repayments?
  • We practice ethical and responsible lending at all times, and provide loans only to those businesses deemed able to repay.
  • However, we are aware that not every eventuality can be foreseen. If you find you are struggling to repay on time, speak to your account manager (0800 8488480), who will help you find a way forward.
What if my application is unsuccessful?

Don’t despair. If your business circumstances change even slightly after a few months, give us a call and we will re-evaluate.  

Can I top up my loan?

Yes, providing you have met your payments on time and your business continues to perform.  

Can I take a new loan once my first loan has finished?
  • Yes. We will renew your loan as soon as you like, providing your business continues to perform.
  • If your business outlook has improved, we can even increase your loan and/or reduce interest payments.
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.
  • As Patrons of the NACFB, we are committed to growing our network of brokers, and we always welcome new business introducers.
  • Please contact us on or 0800 8488480 to find out more about MM’s broker referral scheme
What are your accreditations?

Merchant Money is a member of the Federation of Small Business (FSB) and a patron of the National Association of Commercial Finance Brokers (NACFB).

How can I contact you?

Apply online now. Or email to 

You may also call on 0800 848 8480.

Still have questions?
Speak to one of our online consultants
or call us on 0800 848 8480