Working Capital Loans

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

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Our Working Capital Loan:

Improve your current finances or to get things moving again with our easy loan

  • 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 working capital loans

If you need an injection of cash into your business to help improve your current finances or to get things moving again, a working capital loan from Merchant Money is the ideal solution.

Your small business may be in need of immediate funding, and you don’t have time to waste with lengthy application procedures. As well as this, securing funding from banks and other lenders for small businesses has become increasingly difficult. As small business owners ourselves, Merchant Money is committed to ensuring that our working capital loans are available quickly and easily to businesses that need them immediately.

Unlike other lenders, we take the time to get to know you and your business so we can assess how we can best help you achieve your goals. Our aim is to create a long-term relationship with you in order to do what’s best for your business.

Get funding today

Benefits of our working capital 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

Advantages of our working capital loans

When it comes to applying for working capital loans, most lenders will require you to have capital already in place, or a healthy business cash flow.

All we require is a personal guarantee from two of your company’s directors.

We aim to respond to all applications within 24 hours, and you could have the funding you need in your account in less than two hours once approved. Our working capital loans offer businesses like yours funding between £1,000 and £50,000, with loans of greater amounts of between £25,000 and £50,000 available for partnerships and sole traders. Our flexible loans are available for periods of up to 24 months, and with no early settlement fee you can start paying off your loan as soon as you like.

When are working capital loans right for your business?

A working capital loan is right for your business if you need immediate funding to help improve a stagnant cash flow or help kick-start your business. Merchant Money can ensure that you have access to the secure funding you need to help you realise your business goals, and with our competitive interest rates you can rest assured that you won’t be taking on more than you can manage.

Check out our working capital loans calculator to find out exactly how much you could borrow and what your repayment plan could look like.


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!