What is a
Working Capital Loan?


To calculate working capital one would subtract the current assets from the current liabilities. If you want to see whether your company has enough short-term assets to cover its short-term debt, the working capital ratio can be used (current assets / current liabilities). 

If the ratio is less than 1, the working capital is negative, where anything above two means that the company is not investing excess assets. A high capital ratio isn’t always ideal because it could indicate that you have too much inventory or you are not spending your excess cash. The ratio is critical because it measures a firm’s ability to pay off its current liabilities with current assets. It shows the liquidity of your company.

What we offer:

  • Working capital finance up to £150k
  • 24-hour approval
  • 90% approval rate
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When should I take out
a Working Capital Loan?


Having cash readily available is not always an accurate reflection of a solid and successfully run business. We at Merchant Money understand that it is a lot more complex than that. Invoice payments and seasonal trade are just two of the many factors that can impact cash flow. These two factors are not really in your, the business owner’s, control but can absolutely impact the daily running of your business.

A working capital loan is a great solution, particularly for businesses that are in their early stages of growth. Borrowing can ensure that you have money to grow your venture, invest in staff or even to purchase inventory. This will serve as an aide to keep you moving in the right direction.

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How do
I qualify?


There are no lengthy processes or applications to complete. All we need is for you to meet a few requirements, which hinge only off of your business and not the assets you may or may not have. Most lenders will require you to have capital already in place or a healthy business cash flow. Because we understand the many nuances and complexities, all we require from you is that your business is UK registered, with a minimum turnover of £100,000 per annum and a minimum of one year’s accounts. The application process is simple and efficient and you will hear back from us within 24hours.

All you need it to meet the following 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
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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

Frequently
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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