Business Loans

  • Business finance up to £150k
  • Tailored to your business needs
  • Only pay interest on what you owe
  • 24-hour approval, 90% approval rate
Get a quote

I have read & agree with Privacy Policy

Thank you for your information.
Our lending experts with be in touch within 24 hours.
Get a quote

I have read & agree with Privacy Policy

Thank you for your information.
Our lending experts with be in touch within 24 hours.

Whatever your business, we can help!

Over the years, we have partnered with several businesses across the UK, overseeing their growth from new entrants to significant players. In some ways, we are investors more than lenders. We take the time to get to know our clients better, the person behind the business. It’s the personal approach that enables us to tailor loans for those companies that would not be able to find funding elsewhere.

With over 3 years of experience, our dedicated lending experts offer a premium service for a competitive price, often lending to those businesses that banks just will not support.
SMEs are a significant and yet often overlooked driver of economies and a force in job creation. But many are unjustly excluded by large banks and other traditional lenders. One of our founding ambitions is to ensure these businesses can secure the funding that they need to prosper.

Types of business loans we offer

Merchant Money was explicitly established to empower businesses such as yours to reach its goals by providing momentary business finance. We have developed different products to fit your business needs:

  • Unsecured business loans, ranging from £3,500 up to £150,000
  • Secured business loans up to £500,000
  • Merchant Cash Advances from £3,500 up to £500,000

Terms are between 2 and 36 months, and we customise daily or weekly repayments.

Do I qualify?

  • My company is registered in the UK
  • My current debt obligations are affordable
  • I have a minimum of one year’s accounts
  • My minimum annual turnover is £100,000
  • I don’t have a previously liquidated business with outstanding creditors
  • My Director or Shareholder is a homeowner and over 18 years of age

Our simple process

Unlike major banks or traditional lenders, you don’t need a detailed business plan, and you don’t need an appointment. Our process is fuss-free, quick and our loan terms are flexible, affordable and fully transparent. Get approved for free, and we’ll get to work on releasing your funds.

  1. Apply in minutes using our online application form
  2. We will call you the same day to discuss your application
  3. After receiving all required documents, we will have a decision for you within 24 hours

What our customers are saying:

Martin Horner, Director of 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 MM team is great to deal with. I will partner with it again.’’

Dominic Boyett, Director EU Coffee Roasters:

”Our facilities are ideal for SMEs in the UK whose businesses are growing or have the potential to grow. Unfortunately, we can’t help startups. If you wish to apply for a business loan, we require your business to be trading for at least one year. We do offer an alternative for those businesses that accept card payments: a merchant cash advance. This flexible product is specifically designed for businesses that accept card payments and is more suitable for startups as we require a minimum trading of 6 months.”

Merchant Money is a member of the Federation of Small Business (FSB) and a Patron of the National Association of Commercial Finance Brokers (NACFB). We are uncompromising in our principles and practice ethical and responsible lending at all times.

Get a quote

I have read & agree with Privacy Policy

Thank you for your information.
Our lending experts with be in touch within 24 hours.

Success stories

See how this pub used Merchant Money to become nation’s pride.

As featured in

Call us: 0800 848 8480
Safe and secure.

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

norton secured

Easy application.

24 hour approval

Get a quote

I have read & agree with Privacy Policy

Thank you for your information.
Our lending experts with be in touch within 24 hours.


Our unsecured business loans vary from £3,500 up to £150,000 and we offer secured business loans from up to £500,000. We recently launched regulated business loans up to £25,000.

We offer terms from 1 up to 36 months. You can always repay early if you don't need the funding for that long. We only charge interest for each day you have the funding so making early repayments is a great way to reduce the total amount of interest you will pay.

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.

If you apply for our business loan, we will need to review the following documents: filed financial accounts, 3 months’ bank statements and management accounts or VAT returns.

Yes. We are authorised and regulated by the Financial Conduct Authority (FCA) in respect to its consumer credit activity (firm reference number: 722951). This means we can offer regulated business loans to sole traders and unincorporated partnerships.

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.

We are happy to offer top-ups, providing you have met your payments on time and your business continues to perform. You may need to provide updated bank statements or other documents before you top up your loan – the underwriting team can advise here.

Yes. We only charge interest up until the day you settle. We have no hidden fees or charges.

The interest rate for our business loans typically vary from 1.5 up to 3.0%. This is based on the loan term and amount borrowed, as well as the profile of the business seeking the loan. Please note that we assess each applicant individually based on their risk profile and personal circumstances. Each application we receive is different and subject to the businesses’ status and circumstances. We try to make responsible credit decisions based on a wider range of criteria and credit data.

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 848 8480), who will help you find a way forward.

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