Flexible business finance

Business loans up to £150,000 and merchant cash advances up to £500,000.

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Our lending experts with be in touch within 24 hours.

The Merchant Money difference

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.

Success stories

Trusted by thousands of small businesses. See what our brokers and customers are saying.

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Dominic Boyett, director EU Coffee Roasters:

“Our recent experience with Merchant Money was faultless from start to finish. Their plain speaking and simple approach to our needs, gave us the confidence that we were working with a finance house that genuinely wanted to go that extra mile in helping us find the best solution in the most cost effective way possible.”

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Martin Horner, director The Borough
(hotel, pub & restaurant):

“Fortunately, Merchant Money understands my business and have assisted me in improving my facilities several times. The process is fast and simple, and the Merchant Money team is great to deal with. I will definitely partner with it again.’’

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Howard Shipstone, director MK Funding Ltd (broker)

”Our proposal for a 24 month unsecured loan of £25,000 was agreed the next day and paid out the day after that. No pointless rigmarole and an ability to meet deadlines. The client was very impressed. Interest rates are roughly in line with those offered by other commercial loan lenders. We are sure to be trying Merchant Money again for both secured and unsecured commercial loan business.”



funded to SME’s






of our customers say our service is great

Get funding today and grow your business!


Apply in minutes using our online application form and we will contact you the same day to discuss your application.

We welcome UK based limited companies, sole traders and (unincorporated) partnerships. If you apply for our business loan, we have the following criteria:

  • You have a minimum of one year’s accounts.
  • Your average annual turnover is £100,000
  • You don’t have active CCJ’s or bad personal credit
  • The director or shareholder is a homeowner and over 18 years of age

    If you apply for our merchant cash advance, we have the following criteria:

  • Your business accepts card payments
  • You have a monthly average of over £3,500 in card sales
  • Your business is in operation for more than 6 months

  • We offer merchant cash advances up to £500,000, unsecured business loans up to £150,000 and secured business loans up to £500,000. We also recently launched a regulated business loan. This allows us to offer business loans below £25,000 to sole traders and unincorporated partnerships.

    After receiving your online application, we will ask you to upload some documents that we will need to review your application. Once received, our underwriting team will have an answer for you within 24 hours. After signing the paperwork, the money will be in your account within two hours. .

    Unfortunately, we don’t offer loans to startups. We welcome businesses that have been trading for at least 6 months.

    Yes. 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 broker@merchantmoney.co.uk or 0800 8488480 to find out more about Merchant Money’s broker referral scheme.

    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.

    Yes. Our data is fully encrypted and we do not share any details with other 3rd parties without your consent.

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