Merchant cash advance

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

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Our Cash Advance Loan:

Tailored to the specific needs of your small 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.



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

Use our quick estimate calculator to get an idea of the Business Loan you could be receiving.
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 find out exact amounts you should speak to us or apply for free.
Full terms and conditions will be in the loan offer.

Fast, Transparent Pricing

Use our quick estimate calculator to get an idea of the advance you could be receiving.

Estimated Daily Repayment -

Maximum Loan Value -

Apply Now
*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 cash advance loans

A Cash Advance Loan is a type of small business loan that is ideal for businesses that need short payment terms with small, regular payments. If you need quick and secure financing that you want to pay back easily in the short-term, then a Pay As You Trade can be an excellent alternative to a bank loan.

As small business owners ourselves, Merchant Money understands the stresses and strains of running a business and the need to secure quick and reliable financing. Our advisors take the time to get to know you and your business in order to foster a long-term relationship with you and help your succeed in achieving your business goals.

We’re proud of our personal commitment to your business and feel it’s the key factor that sets us apart from other lenders.

Get funding today

Benefits of our cash advance 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 a cash advance loan

A cash advance is perfect if you need funding for your business without putting up collateral or providing evidence of a substantial amount of business capital. Applying for a traditional bank loan not only takes time, but it is getting more and more difficult for small businesses to secure the funding they need when they need it most.

Merchant Money is simple and straightforward. Our Pay As You Trade offers a short payment term of up to 24 months, and our competitive interest rates gives your business the edge it needs to stay on top.

Best of all, our application process is quick and easy. We respond to all applications within 24 hours, and once approved you could have the cash advance you need in less than two hours. All you need to provide is a personal guarantee from two of your company’s directors – it’s that simple.

When is a cash advance loan right for your business?

If you need a short-term loan to cover immediate costs over a short period, then a business cash advance is right for your business needs. Perhaps you need financing to help boost your cash flow, or maybe you are looking to expand your company further or outsource certain elements of your business. No matter what you need funding for, a Pay As You Trade can help your business thrive.

Find out how much you can borrow by making a no obligation application. Merchant Money is a member of the National Association of Commercial Finance Brokers (NACFB) so you can trust us to lend 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!