About Merchant Money

We strive to democratise and humanise the finance industry

Our Story

Technology is our enabler – understanding our clients is our strength.

Merchant Money is a specialist provider of loan facilities to SME’s across the UK. We offer flexible finance solutions, tailored to the specific needs of your business. 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.

Since we launched in 2013, we’ve helped countless small businesses grow and we intend doing so for many more. Our loans are short term, our vision isn’t. In some ways, we are investors more than lenders. Over the years, we’ve partnered with scores of businesses across the UK, overseeing their growth from new entrants to major players. If you’re interested in expanding production, buying more stock or hiring new talent, then so are we. Ultimately, we grow by helping you grow.

Unlike major banks or traditional lenders, we don’t require detailed business plans. Instead, we take the time get to know our clients better. We’re genuinely interested in your business and in you, – the person behind the business. It’s the personal approach that enables us to tailor loans that are precisely attuned to the needs of your business.

Meet The Team

We’re a friendly bunch – casual and easygoing, but also fiercely passionate about the work we do, and single-minded in our dedication to serving our clients.
Our team is based in Soho, central London.

Danny Girnun

Director, Head of Growth

Danny has experience well beyond his years. His strong entrepreneurial spirit led him to Co-Found ‘Money Advance’ (UK Fintech Company) where he was acting MD. Before moving to the UK, Danny worked for Transaction Capital where he was involved in its African specialised lending operations.

Jonathan Stern

Head of Credit

Jonathan is a registered Chartered Accountant (SA) and hold a MBA from the University of Cape Town and Rotterdam. Prior to joining the MM team he held an Executive role in Forensic and Corporate Finance for Crowe Horwath. Jonathan’s deep understanding of systems and tech applications makes him invaluable to the operations of our business.

Elina Chachko

Head of Operations

Elina’s lending background stems mainly from working on capital raisings during her 8 year career in investment banking and advisory. Having developed strong understanding of lending processes, documentation, risk and controls she joined Merchant Money in Jan 2016 and has assumed the responsibility for the operational oversight of the business. Elina helps MM incubate new business areas whilst supporting the Company’s growing business with process mapping to increase productivity. She also looks after the compliance and legal functions.

Our Philosophy


Our strong financial backing means that we are big enough to be successful but small enough to care about every application that we receive.


We will develop new lending products as necessary to help our client base secure the right loan product that matches their business need.


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

We want to help others by sharing our knowledge and experience. With MM, you talk to the decision makers. We want to understand our client needs and treat each business individually. We are transparent in what we do and we want people to feel safe being around us. We value feedback and we like to keep things personable and real.


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!