Whatever your
business we can help

As a business, you are constantly changing and evolving. We know that with this constant state of flux your cash flow is not always at a place where it can accommodate these changes. We have developed a range of products that will provide you with the best-suited solution tailored not only to your immediate need but to your repayment limitations.

These products have you, the business owner in mind, who may not have collateral or meet some of the stringent requirements of traditional lenders. If you are faced with these challenges, we can assure you that Merchant Money can provide you with the perfect solution.


What can
we offer you?

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.


How do
I qualify?

  • 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

How do
I apply

Our process fits into the busy lives of a business owner on the move. We do not require detailed business plans nor is there a need to make an appointment. Our process is flexible, quick, affordable and fully transparent - all of this without compromising on quality of service.

Step One

Apply in minutes using our online application form

Step Two

Same day call from us to discuss your application

Step Three

Receive a decision within 24hours once required documentation is submitted

How can we help
your business grow?

With a 90% satisfaction rate, our customer reviews speak for themselves. We have helped over 750 firms grow and funded over £35,000,000 . A small business loan is particularly effective for bridging short-term cash flow gaps and even hiring new talent. Our offering is intentionally developed to meet the specific needs of SMEs. This is the quickest way to fund your business with the greatest of ease, with an online approval of 24 hours.

We are 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.

How can we help
your business grow?

Shorter terms Traditional or bank loans usually come with a one to five-year term. For smaller business needs alternative lenders are better suited with a term time of six months to two years.
Faster funding Alternative lending is quick. Approval process is about 24 hours and funding within 48 hours. This is ideal for business opportunities that may arise or to support business growth.
No paperwork This is probably one of the best benefits for a time conscious business owner. This process is often simplified by just answering a few questions online. Often reams of paper need to be compiled without knowing whether your loan will be approved
No collateral Alternative lenders do not require collateral, which means you can rest easy knowing that you won't lose your home, should you not be able to repay a loan.
Faster payback These loans are repaid a lot faster. This means you can get them off your books quicker.

asked questions

When it comes to securing business finance, it’s vital to make an informed decision. We’ve answered some of the most commonly asked questions to help you in that task.

How much can I borrow?

We can provide you with an advance up to 120% of your average monthly card turnover, to use in any way your business needs. With a minimum amount of £3,500 and a maximum of £500,000.

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How does it work?

Get up to 120% of your monthly card turnover upfront, then pay it back as you trade. You repay via a set percentage of future card transactions. The beauty of this product is that you repay at your own pace. You only repay when customers pay you.

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What documents do
I need to apply?

3 months' bank statements Last 6 months' merchant statements In some cases we ask for filed accounts;

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