Cash Flow Funding

  • Business loans from up to £150,000
  • Tailored to your business’ needs
  • Non-collateral funding solutions
  • 24-hour approval, 90% approval rate
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Almost all businesses need cash flow funding at some point. Poor cash flow can grind your business to a halt quickly and mercilessly.

At Merchant Money, we believe that your business should have access to reliable and secure cash flow funding as and when you need it. However, securing cash flow funding from UK banks has become increasingly difficult, and most SMEs lack knowledge of the alternative finance market.

Merchant Money wants to see your business thrive. As a result, we take the time to get to know you so we can offer you the best possible service for your business needs.

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Advantages of our cash flow funding

When applying for cash flow funding, traditional lenders such as banks will usually require you to provide evidence of an already healthy cash flow. Of course this is not always possible. At Merchant Money, what we provide is simple – straightforward finance with no strings attached.

Our application process takes less than a minute, and we respond to all applications within 24 hours. With flexible repayment periods of up to 24 months and no early settlement fees, the advantages of cash flow funding with Merchant Money are plain to see.

Best of all, we require no security – just a personal guarantee from two of your company’s directors. Thanks to our competitive interest rates, you can enjoy your cash flow funding from us without worrying about cost.

When is cash flow funding right for your business?

Cash flow funding is right for your business if you need to fund certain operations within your company or if you are planning to expand your company. In such cases, cash flow funding can help cover your costs in the short-term for investments that you expect a return on in the near future.

We offer no obligation applications, so get in touch today or check out our Cash Flow Funding Calculator to see how much you could borrow and what you repayment plan could look like with Merchant Money. As a member of the National Association of Commercial Finance Brokers (NACFB), you can rely on us to offer you cash flow funding responsibly.

What our clients are saying

It can be a real challenge for pubs, restaurants, shops or stores to seek finance for essential refurbishment, renovation or other improvements. Banks are slow, and funding can be costly, which can cause cash flow constraints. However, business owners who keep investing carefully will ultimately reap the rewards. For many, it may make the difference between success and failure. Small business funding can help to ease the pressure when it comes to costly improvements. Merchant Money can assist by providing fast, flexible finance solutions in the UK. For those businesses that run an online shop, we offer e-commerce funding. An ideal solution if you want to grow your eBay or Amazon business.

Martin Horner, Director of The Borough (hotel, pub & restaurant)

“Fortunately, Merchant Money understands my business and have assisted me in improving my facilities several times. The process is fast and simple, and the MM team is great to deal with. I will definitely partner with it again.’’

Dominic Boyett, Director EU Coffee Roasters

“Our recent experience with Merchant Money was faultless from start to finish, and I have no hesitations in recommending them for their professionalism and efficiency when handling our recent financing needs for the business. Their plain speaking and simple approach to our needs gave us the confidence that we were working with a finance house that genuinely wanted to go that extra mile in helping us find the best solution in the most cost-effective way possible. They can rest assured that we would never approach any other finance provider without giving Merchant Money the opportunity first”.​

Merchant Money is a member of the Federation of Small Business (FSB) and a Patron of the National Association of Commercial Finance Brokers (NACFB). We are uncompromising in our principles and practice ethical and responsible lending at all times.

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Success stories

See how this pub used Merchant Money to become nation’s pride.

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