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Compare First Data Merchant Solutions business loans

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  • Check your eligibility in minutes (without a credit check)
  • Our matching software, iFunds, will match you against our panel
  • One of our experts will call to discuss your options
  • Receive your funds and grow your business

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Compare business loans from over 200 business lenders

Choose business rates from

Asset Finance from

2.38%

Bridging Loans from

0.49% per month

Commercial Mortgagesfrom

1.87%

Unsecured Business Loans from

1.80%

Working Capitalfrom

0.40% per month

Choose from two types of commercial funding

Merchant Money currently has two types of commercial funding to choose from. These include:

  • Business loans – commercial loans to £500,000 and up to £150,000 unsecured
  •  Merchant cash advance – funding based on card taking with no fixed terms or monthly payments.

Merchant money loans are available up to 120% of your average monthly card turnover, with a minimum amount of £3,500 and a maximum of £500,000. For more information, visit Barclays official website.

Key features of a Merchant Money business loan

Merchant Money business loans provides flexible funding to SMEs in the form of cash advances or fixed term loans. A small business loan with Merchant Money provides SME’s with

  • Unsecured business loans from £3,500 to £150,000 and secured business loans up to £500,000
  • Short term repayments up to three years
  • Quick decisions within 24 hours and funding 48 hours
  • No early repayment charges

For a merchant cash advance, Merchant money also offers

  • Up to £500,000 to grow your business
  • No fixed repayment periods
  • Top ups available after four monthly repayments
Unsecured Term
£25,000 - £100,000
8.89%
6mths - 5yrs
Unsecured Term
£10,000 - £250,000
8.73%
6mths - 5yrs
Working Capital Loan
£10,000 - £500,000
42.20%
1mths - 2yrs
Unsecured Term
£5,000 - £250,000
9.60%
6mths - 5yrs
Invoice Finance
£10,000 - £10m
-
Rolling
Property Loan
£250,000 - £10m
1.82%
5yrs - 30yrs
Working Capital Loan
£5,000 - £250,000
49%
1mth - 1yr
Merchant Cash Advance
£3,500 - £500,000
-
-
Property Loan
£250,000 - £10m
1.42%
5yrs - 30yrs
Merchant Cash Advance
£3,500 - £500,000
-
-
Unsecured Term
£10,000 - £500,000
8.73%
6mths - 5yrs
Asset Finance
£5,000 - £10m
4.58%
6mths - 7yrs
Term Loan
£5,000 - £25,000
6%
6mths - 5yrs

About Merchant Money

Merchant Money is the UK’s number 1 specialist provider of flexible business finance. Merchant Money currently has a 90% approval rate, with approval granted within 24 hours of your application submittal to ensure you can get back to your business sooner

About Merchant Money Business Loans

Merchant Money offer two types of commercial funding; unsecured business loans up to £150,000 and Merchant Cash Advances up to £500,000

Merchant Money business loans were established to help empower businesses to reach its goals. Business loans from Merchant Money currently offered include secured and unsecured business loans. Currently, Merchant Money offer unsecured business loans to limited companies up to £150,000 and secured business loans to limited companies up to £500,000. Merchant money business loan rates typically vary from 1.5% up to 3% based on the loan term, the amount you borrow and the profile of your business

They also provide short term business loans, which are designed to fulfil a more immediate need than that of long term funding. Unlike typical business loans from Merchant Money, these come with terms that are typically up to 1 year, rather than 3 to 5.

For growing retailers, Merchant Money also provide e-commerce business funding. This loan is designed to help small online retailers grow and expand their business.

In addition to this, Merchant Money provides working capital loans. Working capital loans from Merchant Money is used by businesses looking to finance their everyday operations. What’s more, you don’t have to pay back the loan until your customers pay you*. Merchant Money’s working capital finance provides funding up to £150,000 and boasts a 90% approval rate.

VAT Loans/Tax Bill funding are also offered by Merchant Money, where businesses can take out a short-term tax bill loan up to £150,000

Merchant Money Contact Info

Merchant Money Limited is authorised and regulated by the FCA in respect of our consumer credit activity. Our lending to limited companies, incorporated partnerships and unincorporated partnerships of three or more is not regulated by the FCA. Registered in England (Co. No. 04504897) with registered office at Carlton House, 5 High Street, Higham Ferrers, Rushden, Northamptonshire NN10 8BW. Registered as a data controller under the Data Protection Act 1998 with the ICO (registration Z303864X)

To contact Merchant Money, visit their website to talk to submit an enquiry at https://www.merchantmoney.co.uk/contact-us. You can also email them at contact@merchant money.co.uk or call them on 0800 848 8480. Lines are open Monday to Friday, 9am – 6pm.

Promotions & Offers

As of January 2020, Merchant Money do not have any promotions or offers with their commercial finance products.

How to Apply

If you’re ready to apply for a Merchant Money business loan, you’ll need to meet the following criteria. This will include

  • Your company must be registered in the UK
  • Your current debt obligations are affordable
  • You have one year’s accounts (minimum)
  • You have an annual turnover of £100,000 (minimum)
  • You don’t have previously liquidated businesses with outstanding creditors
  • Your director or shareholder is a homeowner
  • Your director or shareholder is 18+

Merchant Money are able to offer commercial finance to UK based sole traders, limited companies and partnerships.

Frequently Asked Questions

What types of commercial funding does Merchant Money offer?

Merchant Money offer different finance solutions, tailored to the specific needs of your business. Cash Advances starting at £5,000, Unsecured Business Loans up to £150,000 and Secured Business Loans up to £500,000. Merchant Money regulated business loan can also cater to sole traders and unincorporated partnerships looking for below £25,000.

How long does a Merchant Money business loan take?

Applying for a Merchant Money business loan only takes a few minutes. Once they have received your application with all supporting documents that are required, Merchant Money will be able to provide an answer within 48 hours. If approved, Merchant Money will also have the funds transferred to you within 48 hours of your application.

Does Merchant Money offer business loans to all industries?

Merchant Money fund UK based limited companies and LLPs, sole traders and non-limited partnerships. Unfortunately, Merchant Money does not offer loans to startups.

Where are Merchant Money business loans available?

Merchant Money currently provide business loans in England, Northern Ireland, Scotland and Wales. Merchant Money commercial finance products are unavailable outside the UK.

Can I check my eligibility before I apply?

When you take out a Merchant Money business cash advance loan, they can let you know upfront whether you are likely to get the commercial funding you want with no impact on your credit rating. If you would like more information on your eligibility, visit https://www.Merchant Money.co.uk/

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