Merchant Business Loans is part of Funding Flow. One broker, the whole market.
We arrange merchant cash advances for UK businesses that take card payments, matched across a panel of specialist funders. No regulated advice, just straight commercial finance.
The Funding Flow family.
Merchant Business Loans sits inside Funding Flow, an independent commercial finance brokerage built for UK business. Alongside us are a specialist tax bill funding arm and an invoice finance arm. The shared thread is commercial finance done properly. No regulated consumer products, no credit broking. We work with businesses on funding that fits how they trade.
What we do, plainly.
We arrange merchant cash advances for UK businesses that take card payments. An MCA gives you an upfront lump sum, repaid as an agreed share of your daily card takings. If your income comes through a card terminal or an online card processor, we help you turn future takings into working capital today.
We do not lend. We are a broker. We have built relationships with specialist MCA funders who price this product properly, underwrite it quickly, and fund it fast once a deal is agreed.
What we do not do: consumer lending, mortgages, personal finance, regulated investment advice or tax advice. If you need any of those, we will point you to the right place.
Our regulatory position, in plain English.
Merchant Business Loans is a trading style of Funding Flow. We are not authorised or regulated by the Financial Conduct Authority. That is correct for what we do.
A merchant cash advance is commercial finance between businesses, and it falls outside FCA scope. That means we do not need FCA authorisation and we do not claim to hold it. We are not a consumer credit broker. Business MCAs sit outside consumer credit protections, so there is no Section 75 cover and no recourse to the Financial Ombudsman Service.
If you are looking for regulated financial advice, speak to an independent financial adviser. For tax advice, speak to your accountant. We are here for the commercial finance part only, and we will say so clearly if an MCA is not the right fit for you.
Why go through a broker.
Lender matching
MCA funders each have their own appetite. Some love hospitality, some avoid it. Some price a small monthly card turnover very differently to a large one. Going direct to one lender gets you one answer. Coming through us, we find the funder whose appetite fits how you actually trade.
Application quality
How a deal is presented changes the outcome. We know what each funder looks for, which questions to pre-empt, and how to frame your card takings. A well-prepared submission gets a faster yes, and often a better fixed cost.
Nothing to pay us
Our commission comes from the lender, not from you. You get whole-of-market access and application quality at no extra cost. If we do not find you funding, you pay nothing.
How to work with us.
As a business needing funding
Tell us your monthly card takings and what you need the money for. We will come back with a realistic view of what you could raise and the fixed cost.
Quick ApplyAs an introducer
Accountants, bookkeepers and advisors. Introduce clients who take card payments and need working capital, and earn commission on completion.
Contact usAs a lender or partner
MCA funders and strategic partners. Get in touch to discuss panel inclusion.
Email usCompany information.
Legal entity
Merchant Business Loans is a trading style of Funding Flow. Registered in England and Wales. A commercial finance broker, not a lender.
Contact
hello@merchantbusinessloans.co.uk
Complaints: /complaints
Trading names in the group
Funding Flow (parent commercial finance brokerage), Merchant Business Loans (merchant cash advance), Tax Bill Loans (specialist tax bill funding), Invoice Financing (finance against unpaid invoices).
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses