Emergency business funding

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

Apply for Free | About us

Our emergency business funding:

Long-term growth without the long-term burden of costly interest rates

  • 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.

As featured in

More information about emergency business funding

Emergency business funding is designed to help businesses that need immediate financing to help meet day-to-day expenses or pay off their debts in a timely fashion. For businesses that need money straightaway, traditional lenders such as banks are often not an option, due to the lengthy application processes involved in securing a loan.

At Merchant Money, we understand the pressure of running a business and the need for emergency business funding that is reliable and secure. Our advisors take the time to get to know you and understand your business needs so that we can offer you the funding you need when you need it most. Best of all, as a member of the National Association of Commercial Finance Brokers (NACFB) you can rely on us to lend responsibly.

Get funding today

Benefits of our emergency business funding 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 emergency business funding

Applying for a loan can be a lengthy process, and most banks will require some form of collateral or evidence of your business capital.

For simple and straightforward financing, you can count on Merchant Money. Our application process takes less than a minute, and we offer instant funding as we respond to all applications within 24 hours. Once approved, you could have your emergency funds in your account in less than two hours.

As well as this, we offer flexible repayment periods of up to 24 months, and with our competitive interest rates and no early settlement fee, you can start paying back you loan as quickly as you like and you don’t have to worry about extra costs to your business.

All we need is a personal guarantee from two of your company’s directors and we can set you up with the funds you need in a matter of hours rather than weeks.

When is emergency business funding right for your business?

If you find yourself in need of immediate financing, emergency business funding from Merchant Money could be your ideal solution. Whether you need to cover a gap in your finances, pay off existing debts or acquire a new space for your business, emergency business funding can ensure you have the financing you need to keep the momentum going.

Find out how much you could borrow by making a no obligation application for emergency business funding, or check out our emergency business funding calculator.

Get funding today


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!