Merchant Money Reviews

Merchant Money specializes in flexible business loans, offering tailored financial solutions to support diverse small business needs effectively and efficiently.

Here are the Trustpilot Reviews from Merchant Money:

Here are the Reviews from Merchant Money:

I cannot believe it has been a year since your company walked into our door and started saving McClain's money. Thank you for the great service, honest and prompt attention and support as our business partner. It is so nice to know that you are always making sure we have the best rates available and support for our store. Our business on the wholesale side tripled last season and we hope to see this in our retail stores this season. Thanks again

Kelly L. Abercrombie

I want to thank you for the EXCELLENT customer service. It's really heard to find these days! I'm so happy I was able to talk to a real person and not a recording and you handled the issue right away. I was hesitant to take credit cards for my business but now I know I'm in great hands! Thank you again

Shannan King

Merchant Services has made it so easy for our company to provide reliable and safe transactions for our customers. Anytime I need information or a quick fix Adam is right there in a timely manner to help out. Setup was easy and I know my customers information is safe. Their online application to capture cards cut my time in half easily entering my credit info. Thanks Again

Justin Grimm

I am really enjoying the ease of taking credit cards thru our Droid operated cell phone with Roampay. Its simple and is saving us money on having the maintenance of a office run machine and merchant fees. Set up was easy and the swiper is simple to use. The guys are able to run the card thru after they finish a job and I get a copy of the receipt within minutes, knowing that it has transacted properly, the customer also get a copy. Its perfect for us. Thanks for offering this to our company

Jennifer Ackerland

It has now been just over one year since we began our working relationship. In fact, your company was one of the very first service vendors that tracked me down and made the trip from Seattle to become acquainted with the prospective needs of Hawk's Prairie Casino. In the months that followed, everyone I met from your company worked hard to understand our needs and present us with equipment fact sheets, recommendations and competitive bids. Once we selected a product, the real work began. Having your people here on site showed us the level of professionalism and dedication MerchantService.com brings to a project. First you presented us with a solid simple POS System, then provided the technical and vocational know how to put the system into immediate use. Your service techs were and have continued to be available whenever we call for explanations or backup. By the way, the system is extremely versatile and has provided us with a fast and solution for our restaurant. Our experience as business partners has been and continues to be excellent and I look forward to continuing the relationship.

Christopher B. Buitron

Very welcoming and friendly team Enthusiastic business with hands on leadership Well funded with clear expansion plans Need clarity sometimes on decision making process

Head of Marketing

Explore Merchant Money's Finance Solutions:

Unsecured Business Term Loan

£5,000 – £500,000

Merchant Cash Advance

£5,000 – £500,000 (up to 150% of average monthly card takings)

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Explore Merchant Money's Finance Solutions:

Loan Type:

Unsecured Business Term Loan

Loan Range:

£5,000 – £500,000

Loan Terms:

6 months to 60 months

Minimum Turnover and Trading Age:

At least 6 months’ trading and £70,000 annual turnover

Interest Rate:

1.0% – 3.0% per month (approx. 12% – 36% APR)

Fees:

2%–3% arrangement fee; no early repayment charges

Loan Type:

Merchant Cash Advance

Loan Range:

£5,000 – £500,000 (up to 150% of average monthly card takings)

Loan Terms:

Typically 3 to 12 months (repayments linked to daily card sales)

Minimum Turnover and Trading Age:

Minimum 6 months of trading and £5,000 monthly card revenue

Interest Rate:

Fixed factor rate 1.10 – 1.40 (approx. 15% – 60% effective APR)

Fees:

No separate arrangement fee; total cost fixed upfront

Loan Type:

Bridging Loan (Property Finance)

Loan Range:

£30,000 – £10,000,000

Loan Terms:

3 months to 24 months

Minimum Turnover and Trading Age:

No specific trading requirement; property asset security required

Interest Rate:

0.65% – 1.50% per month

Fees:

2% arrangement fee; up to 1% exit fee; valuation and legal costs payable

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More About Merchant Money

Merchant Money Ltd is a UK-based alternative business finance provider established in 2013. It offers fast and flexible funding options to small and medium-sized enterprises (SMEs) and property professionals. Regulatory oversight is provided by the Financial Conduct Authority for consumer credit activities. The lender employs a predominantly digital, direct-to-business model, aiming to serve companies that may not fit traditional bank lending criteria. For a broader understanding of alternative lenders, see our Merchant Money Reviews and explore financing options available in the UK market.

Key Features of Merchant Money Ltd

Merchant Money offers a blend of speed, flexible lending products, and digital convenience supported by personalised service. This combination aims to cater to diverse business needs from working capital to property finance.

Fully online application process with e-signing and document upload.
Integration with Open Banking for quick bank statement retrieval.
Dedicated UK-based relationship managers provide ongoing loan support.
Facilities can be topped-up or refinanced through Merchant Money.
API connections support introducers and brokers efficiently.

Funding Eligibility at Merchant Money Ltd

You may qualify for funding with Merchant Money if your business meets core criteria around trading history and turnover. The lender excludes certain sectors and is limited to UK-registered businesses and properties. For detailed qualification criteria, refer to our qualification guide and business loans eligibility overview.

Loan Options Available

Merchant Money provides three main loan products. They cover requirements from unsecured working capital through to bridging finance for property investors. Each product carries specific terms, amounts, and costs to consider in line with your business needs.

Unsecured Business Term Loan: Amounts from £5,000 to £500,000, with terms between 6 and 60 months, and interest roughly 12% to 36% APR. Suitable for businesses with at least 6 months’ trading and £70,000 annual turnover.
Merchant Cash Advance: £5,000 to £500,000, repayments based on daily card takings over 3 to 12 months, with effective APR ranging approximately from 15% to 60%. Requires consistent monthly card revenue of at least £5,000.
Bridging Loan (Property Finance): £30,000 to £10,000,000, terms from 3 to 24 months, with monthly interest rates of 0.65% to 1.50%. Requires UK property security and personal guarantees.

How to Apply

The application process is digital and designed for swift decisions and funding. Prepare to provide financial documentation and follow straightforward online steps to progress your loan request.

Submit an application via the online portal with basic business and director details. See our application forms.
Provide necessary documents such as 6 months’ bank statements, filed accounts, photo ID, and sector-specific details like card processing or property valuations. Refer to the document checklist.
Access an indicative lending decision within one hour during business hours. Funding is available the same day for unsecured loans and cash advances; bridging finance can take 5 to 10 working days.
Sign the agreement electronically to finalise the process and receive funds swiftly.

Funding Agent's View on Merchant Money Ltd

Merchant Money holds a solid place in the UK mid-market alternative finance sector. It blends the speed of digital underwriting with ongoing personal service through relationship managers. Its products suit SMEs seeking quick working-capital or tax funding and property investors requiring short-term bridging loans. However, personal guarantees and comparatively higher costs versus bank loans merit consideration. For assistance with suitability and options, use our loan comparison tools and eligibility checker.