Cash Flow Funding

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

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Benefits of our small business Loan:

Valuable small business loans tailored to the specific needs of SMEs

  • 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.

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More information about small business loans

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.

Get funding today

Benefits of our cash flow funding over banks

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!

  • 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

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.


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!