Fast, flexible finance

Bypass the bank, avoid the red tape. This is finance without fuss.
We offer business loans up to £150,000 and Merchant Cash Advances up to £500,000.

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The Merchant Money difference

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


Personal Approach

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.

Easy Process

Apply in minutes on our online platform and we will ensure we have a decision for you within 24 hours.

We Help You Grow

We’ve helped countless small businesses grow and we intend doing so for many more.

Our products

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


  • Business loans up to £150,000
  • Loan terms from 1-36 months
  • Only pay interest on what you owe

Apply now More info


  • Upfront cash advances up to £500,000
  • Collections via future card transactions
  • Only repay when you trade

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Success stories

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

As featured in


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

Calculate your monthly instalment instantly.
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 obtain a personalised quote, please call us or apply here.
Full terms and conditions will be in the loan offer.

Fast, Transparent Pricing

Calculate your daily instalment instantly.

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






of our customers say our service is great


Speak to us. Our friendly team of advisors will help answer all your questions.


  • 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

  • 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.

  • We assess each applicant individually based on their risk profile.
  • Our monthly interest rates vary between 1.75% and 3%, based on loan term and amount borrowed, as well as the profile of the business seeking the loan.
  • Returning customers will often benefit from improved terms as they establish a rating with MM.

  • 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.

  • We do not typically take security, but ask that the principal directors each sign a personal guarantee.

  • 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.

  • 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.

  • 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

  • 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.

  • 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.