Smarter business loans

Fast, flexible finance of up to £150,000
Technology is our enabler, understanding our clients is our strength

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Benefits of our business loan:

Tailored to the specific needs of your business

  • Business Loans up to £150,000
  • Personal touch and dedicated support
  • Loan terms from 1-36 months
  • Apply in minutes with 24-hour approval
  • Only pay interest on what you owe
  • Absolutely no hidden fees or costs

How does it work?

Take a few minutes to complete our online Application Form.
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 inyour bank account within 2 hours.

Unlike major banks or traditional lenders, you don’t need a detailed business plan and you don’t need an appointment. Instead, we take the time get to know our clients better. We assess you and your business holistically.

Our processes are fuss-free, quick and our loan terms are flexible, affordable and fully transparent. By combining patented high-tech risk assessment technology with high-touch personal evaluations, we can predict success, fast! Get approved for free and we’ll get to work on releasing your funds.

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What our clients are saying

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 monthly turnover is £7000
  • I don’t have a previously liquidated business with outstanding creditors
  • My Director or Shareholder is a homeowner and over 18 years of age

Whatever your business, we can help!

At Merchant Money, we’re genuinely interested in your business, and in you, – the person behind the business. Whatever your business, we can help! Ultimately, it’s this singularly personal approach that enables us to tailor loans that are precisely attuned to the needs of your business. Our unsecured business loans range from £3,000 up to £100,000. Terms are between 2 and 36 months and we customise daily or weekly repayments.

Better Than A Bank

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 simply will not support.
SMEs are a major 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 are able to secure the funding that they need in order to prosper.

Pricing and Repayments

Interest rates vary from 1,8% to 3,5% per month. There is no cost to receive a tailored offer, with no obligation to proceed. You only choose whether to go ahead once you have received an offer. We do not charge fees or penalties if you decide to settle your loan early and you only pay interest on your outstanding loan amount.

Minimum repayments are taken automatically via your registered debit card. Just make sure there are sufficient funds available in your bank account on your repayment date. You can also make free early repayments by bank transfer or debit card through your online account.

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.

Other Business Loan Products We Offer:
Small Business loans | Unsecured Business Loans | Short-term Business Loans | Working Capital Loans | Business Development Loans | Cash Flow Funding Loans | LTD Company Loans | Interest Only Loans | Merchant Cash Advance

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Frequently Asked Questions

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 2% and 5%, 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