Why borrow
with Merchant Money


By being a business owner, you have chosen to be a pioneer and an entrepreneur, but we all know that the life of a business owner is not just glamour and jet-setting across the globe. We know that the world of business can be tough and unpredictable. At Merchant Money we understand that the need for funding is not always for, or over an extended period of time and that a lot of the time the funds are needed immediately.

At Merchant Money we understand that in life, as in business, not everything goes according to plan. When looking at the story of how powerful brands and businesses came to be, very few of their stories are wrapped up in a neat bow with funds readily available. Our emergency business loan has you, the modern day business owner, in mind. We have created this for you, the business owner, that might not just be strapped for cash, but time too.

Traditional loans are not equipped to service this need, as their processes are lengthier and require a lot more paperwork. Our application process quite literally takes one minute and we can guarantee a response within 24 hours. This all may sound too good to be true, but as a member of the National Association of Commercial Finance Brokers (NACFB) you can rely on us to lend responsibly. We ensure that we look at your individual need and your business more closely to ensure that we provide a solution that is best suited for you - without putting you under any more financial pressure.

  • Emergency Business Funding from up to £150,000
  • Tailored to your business’ needs
  • Non-collateral funding solutions
  • 24-hour approval
  • 90% approval rate
Emergency Business Funding (1).png

What are the advantages of
taking out an emergency business loan?


  • Apply in minutes: This process takes one minute to complete.

  • 24-hour approval: Should all of the requirements be in order, we can guarantee a response within 24 hours.

  • Flexible terms: We design a solution especially for you. Ensuring that you as the business owner are 100% comfortable first.

  • Only pay interest on what you owe: No additional interest incurred or admin charges.

  • No upfront or early settlement fees: We at Merchant Money believe that you should not be penalised for wanting to settle your debt upfront or earlier.

  • No security or business plans required: We understand that collateral is not always available, that is why all we need is for you to be compliant with our six requirements.

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

When should I be applying
for an emergency business loan?


Whether you need to cover a gap in your finances to pay payroll, HRMC or acquire a new space for your business, emergency business funding can ensure you have the financing you need to keep the momentum going.

Find out how much you could borrow by making a no obligation application for emergency business funding.

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.