One enquiry puts your business in front of our panel of leading lenders. We compare the offers, you choose the best one. We're a broker, not a lender — we work for you, not for the money.
Every lender has a different appetite, different criteria and a different price. Apply to the wrong one and you burn time. We already know who says yes to businesses like yours.
You take whatever you're given
You choose from competing offers
Different goals suit different products. Tell us what you're trying to do and we'll match the structure, the lender and the terms to it.
A lump sum with fixed repayments, without putting property on the line.
Funding repaid as a small percentage of your card takings. Busy month, pay more; quiet month, pay less.
Growth capital sized on your monthly revenues. Built for eCommerce, SaaS and subscription businesses.
An approved limit you draw on when you need it and pay interest only on what you use.
Most clients go from first enquiry to money in the bank inside a week. The fastest do it in 24–48 hours.
A five-minute enquiry: who you are, roughly what you turn over, how much you need and what it's for. No documents needed yet, and it won't affect your credit score.
We match your business against every lender on our panel, submit to the ones that fit, and negotiate the terms on your behalf. You deal with one person: your broker.
You see your offers side by side, in plain English, with the true cost spelled out. Pick one, sign digitally, and funds typically land within 24–48 hours of approval.
We're a credit broker, not a lender. That distinction is the whole point.
Lenders don't publish their real appetite. We speak to them every week, so your application only goes where it has a genuine chance.
A lender quoting against competitors behaves differently to one quoting alone. Competition is your negotiating leverage; we bring it.
Our service is free for you to use. If your funding completes, the lender pays us a commission, and we tell you about it upfront.
No, and that's deliberate. Merchant Brokerage is a credit broker: we introduce your business to a panel of lenders, compare their offers and negotiate on your side. The money always comes from the lender you choose; the advice and the legwork come from us.
Nothing, for you. If your funding completes, the lender pays us a commission for the introduction. We'll always tell you that a commission is being paid and, if you ask, how much. You never receive an invoice from us.
No. Your initial enquiry and our matching process involve no hard credit search. A lender will only run a full credit check at the final stage, with your consent, once you've chosen an offer you want to proceed with.
Offers typically come back within 24 hours of a complete application. Once you accept, most lenders on our panel pay out within 24–48 hours. Merchant cash advances and revenue-based products tend to be the fastest.
As a rule of thumb: a UK-registered business, trading for at least 4–6 months, turning over £5,000+ a month. The widest choice of lenders opens up at 12+ months trading and £10,000+ monthly turnover. Limited companies, partnerships and sole traders can all qualify. If you're not sure, ask; it costs nothing to find out.
It's not an automatic no. Several lenders on our panel weigh your recent trading performance more heavily than your credit file, and some specialise in exactly this situation. Knowing which lender takes a view, and which doesn't, is a large part of what a broker is for.
For most products: recent business bank statements (usually 3–6 months) and basic company details. Card-based products may use your merchant statements instead. No business plans, no decks, no lengthy forms.
Our panel includes Funding Circle, YouLend, Capify, Fleximize, Bizcap, Capchase and 365 Finance, alongside others we bring in where they fit a specific case. We only recommend a lender when their product genuinely suits your business.
Five minutes, no documents, no obligation. We'll come back to you the same working day with a straight answer about your options.