Short Term Business Loans

Fast, flexible finance of up to £150,000.

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Our Short Term Business Loan:

Long-term growth without the long-term burden of costly interest rates

  • 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 five minutes to complete our two-step Application Form.


We will provide you with secure login details to upload additional documentation for our lending experts to review.


Less than 24 hours after completing Step One, you will have the funds in your bank account.


Loan terms are tailored to your business profile and your ability to repay comfortably. We even offer an easy top-up process.

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.

As this is an unsecured small business loan, you don’t need to provide property or other assets as security for a loan. Our processes are 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.

Start Application

Success stories

Merchant Money fund The Borough to become nation’s pride – their story.

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


What will it cost? That depends on the product you will apply for. Select one of the products on the tabs below and get an idea of the minimum repayments.

Fast, Transparent Pricing

Calculate your monthly instalment instantly.
6 repayments from £3571
Get a real quotation in minutes with a 24 hour approval
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*Please note that this calculation is an estimate only. To obtain a personalised quote, please call us or apply here.
Full terms and conditions will be in the loan offer.

Fast, Transparent Pricing

Calculate your daily instalment instantly.

Estimated Daily Repayment -

Maximum Loan Value -

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*Your estimated daily repayment is based on your monthly card turnover. We take an agreed percentage of all future card sales, big or small, until your advance is fully repaid. To find out exact amounts you should speak to us or apply for free. Full terms and conditions will be in the loan offer.

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More information about small business loans

We run our own business too so we understand the pressure of managing cash flow, especially when good deals need to be made. If your small business is in need of a short term loan, the traditional first port of call is likely to be the high street bank – perhaps the one whose funding helped you to start up your business in the first place. Unfortunately, that may no longer be the safest port in any financial storm facing your business these days.

Merchant Money was established specifically to empower businesses such as yours to reach its goals by offering short term business loans.

We’re proud of our personal commitment to your business and feel it’s the key factor that sets us apart from other lenders.

Get funding today

Advantages of our short term business loans

When applying for a business loan, you would typically need to provide evidence of a healthy cash flow, or a substantial amount of capital already in the business. This may not be possible if your operation is already lean and you don’t need the additional assets, but are still competing with bigger players in the market.

A major advantage of a short-term business loan is the flexibility it offers. There is no need for assets, revenue or capital, and no early settlement fee when you use us. Another bonus is the shorter payment term (up to 24 months), which means you can focus on long-term growth without the long-term burden of costly interest rates.

Our process is as simple as it gets: all you need to provide is a personal guarantee from two of your company’s directors.  It is also far quicker than the response you could expect from a bank, with approval and funding taking less than a day. 

When are short term business loans right for your business?

Your business is doing well, and you are looking at expanding your team or physical space. Perhaps you need to outsource a function of your business, so you have your hands free to oversee the day-to-day running of it. Or cash flow has temporarily stalled, which can stop you making the much-needed next steps to grow your business or simply pay the bills.

A short-term business loan is exactly what your SME needs, offering a kick-start that solves problems and achieves immediate goals. A flexible and agile small business needs equally flexible finance to remain competitive.

Get funding today


Speak to our team of experienced advisors, who will help you customise the best loan type for your business needs or with any other question.
Get approved for up to £500,000 today. Absolutely no hidden fees and no hassle!

Benefits of our short term business loans over banks

  • Apply in minutes
  • 24-hour approval
  • Flexible terms
  • Only pay interest on what you owe
  • No upfront or early settlement fees
  • No security or business plans required