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Merchant Money Loans & Merchant Cash Advance


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Merchant Money is a business finance provider specialising in flexible finance and merchant cash advances. Launching in 2013, Merchant Money offer both secured and unsecured finance for customer service businesses like pubs, retailers, salons, hotels, restaurants, and e-commerce sites.

Merchant Money is a member of the Federation of Small Business (FSB). 750 firms have been funded so far, raising over £35,000,000.

Sections

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  • Merchant Money Business Loans & Finance
    • Business Loans
    • Merchant Cash Advance
  • Merchant Money Reviews and Ratings
  • Pros
  • Cons

Merchant Money Business Loans & Finance

Business Loans

Unsecured loans are available from £5,000 up to £150,000 and secured loans are available from £150,000 to £500,000. Repayment terms range from 1 to 36 months and there’s no penalty for early repayment. To qualify, your business should have at least 12 months of accounts and a minimum annual turnover of £100,000. Approval is online and over the phone and takes just 24 hours.

Merchant Cash Advance

Finance for businesses accepting card payments from their customers. You can raise 100% of the value of your average monthly card transactions between the values of £5,000 and £500,000. The cost of repayments will be pre-agreed and taken automatically from your total card payments. To qualify, your business must have 6 months of trading history through a card machine and a minimum monthly turnover of £5,000.

Merchant Money Reviews and Ratings

88% of Trustpilot reviewers rate Merchant Money 5/5. Most reviewers think the service is efficient and professional with financial solutions that work for their business. Google Reviews are almost completely positive too. There are a few critics unhappy with how Merchant Money dealt with them.

Merchant Money secured a debt facility of £10 million from investor BG Finance in February 2020.

Trustpilot –  4.7/5 (based on 63 reviews)
Google Reviews – 4.3/5 (based on 11 reviews)
Reviews.co.uk
 – no reviews
Smart Money People – no reviews

Pros

  • Unsecured, secured, short and long term finance available.
  • Very positive reviews.

Cons

  • Small business loans are only available to businesses with at least £100k annual turnover. Could be out of reach for many.

Website: Merchant Money Business Finance

Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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