Unsecured business loans

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

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Non Collateral Business Funding Solutions:

Tailored to the specific needs of your business

  • 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.


Once approved, less than 24 hours after completing Step One, you will have the funds in your bank account within 2 hours.


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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Merchant Money understands your credit needs

Unsecured business loans provide your small business with finance to manage cash flow operations and growth when there’s no collateral available to secure a loan.

Merchant Money understands how useful this type of loan can be for your business when you don’t have the necessary assets to secure a loan. Especially if you’ve been turned away from UK banks, which is likely considering the current lending climate towards SMEs.

At Merchant Money we don’t just provide a one-off service – we take time to learn about your business and its unique selling points to understand whether an unsecured business loan is suitable for you.

We aim to establish long-term working relationships with all of our clients, offering a personal touch that you won’t find with banks or other lenders.

Get funding today

Benefits of our advances over bank loans

  • 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

Get funding today

What are the advantages?

The advantages of unsecured business loans include:

  • No requirement to provide property or other assets as security for a loan
  • You don’t have to be generating a high amount of revenue to be accepted
  • Low barrier for entry compared to traditional banks

When is it right for my business?

Unsecured business loans are designed for businesses that don’t have valuable assets as security. So this type of loan is great for businesses that operate on low resources or in small teams where large properties aren’t required.

We’re here ready to talk to you about your business situation, simply fill out the application and we’ll call to you discuss the next steps.


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!