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Merchant Loans
Time has changed Empower Your Business with the Right Financing
Merchant Loans – Fuel Your Business Ambition!
Fast, flexible and hassle free funding solutions for your growing business!
Don’t Let Funding Limit Your Growth — Take Control Today!
Grab opportunities, expand operations and fuel your success with Finance Hub!
Every business hits a point where more capital means more growth. But waiting for traditional loan approvals can slow you down. Finance Hub changes the game by offering fast, flexible and accessible funding designed to help businesses like yours grow without barriers.
Why choose Finance Hub?
Smart funding solutions tailored for your business success!
Fast approval — Get funded when you need it most
Get the funds you need without unnecessary delays. Finance Hub offers same day approval so your business can access capital quickly and efficiently.
- ● Funding available from £5,000 to £20 million
- ● No lengthy paperwork or prolonged waiting times
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● Quick processing to help businesses capitalise on opportunities
Flexible options — Finance that adapts to your business needs
Every business has unique financial needs. With Finance Hub, you can choose between secured and unsecured loans to find the perfect fit for your situation.
- ● Tailored funding solutions based on your business type
- ● Choose repayment terms that align with your cash flow
- ● No hidden fees or rigid conditions
Cost effective — Keep more of your profits while securing funding
Save money while securing the funds your business needs. Finance Hub offers competitive interest rates and early repayment options with no penalties.
- ● Lower interest rates to minimise financial burden
- ● No penalties for early repayment, offering greater flexibility
- ● Transparent terms with no hidden costs
Benefits of Merchant Loans
Empower your business with hassle free financing!
Quick access to capital — Fast funding for faster growth
When opportunities arise, you need financing without delays. Finance Hub ensures fast funding so your business can grow without setbacks.
- ● Get funds in as little as 24 hours
- ● No need to wait for lengthy bank approvals
- ● Instant access to working capital for expansion
Custom financing — The perfect loan for your business needs
Finance Hub offers tailored loan structures that align with your business needs, ensuring financial stability and growth.
- ● Secured and unsecured options available
- ● Loan terms designed to match your cash flow
- ● Ideal for businesses of all sizes
Affordable borrowing — Smart financing at the right price
Access cost effective financing with low interest rates and flexible repayment plans, keeping your business financially secure.
- ● Competitive rates to keep borrowing costs low
- ● No excessive fees or hidden charges
- ● Early repayment flexibility to save on interest
Simple steps to get funded – No hassle, no delays!
How to Apply for a Merchant Loan with Finance Hub?
Step 1: Visit Website
Navigate to the Merchant Loans section on Finance Hub’s website.
Step 2: Download and fill out the application form
Complete the form with your business details and funding requirements.
Step 3: Submit your application
Send your completed form through the website or via email.
Step 4: Our team will contact you
A Finance Hub expert will review your application and guide you through the next steps.
Merchant Loan Eligibility Criteria
- ➔ Applicants must be 18+ years old
- ➔ Business operational for 6+ months
- ➔ Available for UK residents, companies, trusts & eligible non residents
- ➔ Property must be in the UK (excluding Northern Ireland)
- ➔ Minimum credit score is 550
- ➔ Annual revenue must be £200,000 or more
- ➔ Business must have stable cash flow & credit card sales
- ➔ Funds must be used for business purposes
- ➔ Compliance with local, state & federal laws is required
- ➔ Relevant project experience is necessary
- ➔ Loan-to-Gross Development Value (LTGDV) can reach up to 75%+ with additional security
- ➔ Loan-to-Cost (LTC) can go up to 80%+ with the stretch product
- ➔ First charge security is required
Terms and conditions
1. Eligibility
1.1 Applicants must meet the following eligibility criteria:
- Be at least 18 years old.
- Operate a business in the UK (excluding Northern Ireland).
- Submit accurate and verifiable personal and business information.
1.2 Finance Hub reserves the right to reject applications that do not meet these criteria or contain incomplete, false or misleading information.
2. Approval process
2.1 All merchant loan applications are subject to a thorough credit assessment and business evaluation by Finance Hub. Approval is not guaranteed and Finance Hub retains full discretion over loan approvals.
2.2 The approval process requires the submission of all requested documentation, including financial statements, business revenue reports and proof of consistent cash flow, within the stipulated timeline.
3. Security requirements
3.1 A first charge security may be required based on the loan amount and risk assessment.
3.2 Additional security may be required at Finance Hub’s discretion, especially for businesses exceeding standard risk thresholds.
3.3 In case of default or failure to meet repayment obligations, Finance Hub reserves the right to take legal action, including reclaiming secured assets if applicable.
4. Funding terms
4.1 Interest rates and repayment terms will be clearly outlined in the loan agreement and tailored to the specifics of the business.
4.2 Any delay or default in repayment will incur additional charges, including penalty fees, as specified in the agreement.
4.3 Requests to modify repayment schedules must be submitted in writing and are subject to Finance Hub’s approval.
5. Misrepresentation
5.1 Any misrepresentation, falsification or omission of key information during the application process will result in immediate disqualification.
5.2 If such issues are discovered after loan disbursement, Finance Hub reserves the right to demand full repayment along with applicable penalties.
6. Non resident applications
6.1 Applications from non residents of the UK will be considered on a case by case basis and must comply with additional documentation and security requirements.
6.2 Finance Hub reserves the right to impose stricter terms for non resident applicants, including higher interest rates or additional security requirements.
7. Loan specific terms
7.1 Merchant loans must be used strictly for business purposes, such as expansion, equipment purchase or operational costs.
7.2 Businesses must demonstrate stable cash flow, regular credit card sales and compliance with all relevant laws and regulations.
8. Amendments and termination
8.1 Finance Hub reserves the right to amend these terms and conditions at any time, with appropriate notice provided to applicants and borrowers.
8.2 Finance Hub may terminate a loan agreement if:
- The borrower defaults on repayment.
- Funds are used for purposes other than those outlined in the agreement.
- The borrower violates applicable laws or regulations.
9. Legal compliance
9.1 All loan agreements are governed by and interpreted in accordance with the laws of England and Wales.
9.2 Any disputes arising from the loan agreement will be subject to the exclusive jurisdiction of the courts of England and Wales.
10. Disclaimer
10.1 Loan approval and terms are at the sole discretion of Finance Hub. The company is not liable for any losses due to delays, non approval or other factors beyond its control.
10.2 Finance Hub does not provide financial or legal advice. Applicants are encouraged to seek independent professional advice before entering into any loan agreement.
Frequently asked questions (FAQs)
A Merchant Loan is a type of business financing that provides quick access to capital based on your business’s credit card sales or revenue flow. It allows businesses to borrow funds and repay them through a percentage of daily sales.
With Finance Hub, you can access loans ranging from £5,000 to £20 million, depending on your business’s financial profile and eligibility.
Once your application is approved, you can receive funds on the same day or within 24 hours, ensuring your business continues to operate smoothly.
To qualify for a Merchant Loan with Finance Hub, your business must meet the following criteria:
- >> Been in operation for at least 6 months
- >> Minimum credit score of 550
- >> Annual turnover of at least £200,000
- >> Consistent cash flow and regular credit card sales
Finance Hub offers both secured and unsecured loan options, meaning you may not need collateral depending on your business profile and loan amount.
Yes! Finance Hub provides an early repayment option with no penalties, allowing you to settle your loan early and save on interest costs.
Our Merchant Loans cater to a wide range of industries, including retail, hospitality, healthcare, e commerce and more. If your business has a stable cash flow and credit card sales, you can qualify.
Applying is easy! Simply follow these steps:
- >> Visit the Finance Hub website and navigate to Merchant Loans.
- >> Download and fill out the application form.
- >> Submit your application through the website or via email.
- >> A Finance Hub expert will contact you to discuss the next steps.
Submitting an application for a Merchant Loan will not negatively impact your credit score. However, if approved, the loan will be reported as part of your business credit profile.
Yes! You can use the Merchant Loan for various business needs, including expansion, inventory, equipment, payroll, marketing or cash flow management.
Apply Today and Take Your Business to New Heights!
Get the funding you need to expand, innovate and succeed!
Finance Hub’s Merchant Loans are designed for businesses that need quick, flexible and affordable funding. Do not let financial limitations slow you down—apply today and experience the difference!