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You may not think of Merchant Money as being synonymous with property finance. After all, as our name suggests, when we were established in 2013, we were focussed on our Merchant Cash Advance, but today we offer so much more.

As a commercial lender, operating through a broker network, we also offer secured and unsecured commercial loans and bridging.

When should I choose Merchant Money?

If your clients:

  • Want to release equity against already owned properties
  • Want to release equity from development sites close to completion
  • Want to raise additional funding to complete a current development scheme
  • Want to extend the sales period of a finished project

What are the main features of your product?

Property type: Residential and mixed use (no commercial only). Only exception is a commercial property where an application for change of use to residential/mixed use has been submitted and accepted

Geography: Whole of the UK, including Northern Ireland and Scotland

Security:  1st legal charge

Max LTV (GDV): 75% (gross)

Max term: 24 months

Min loan size: £200k

Max loan size: £2m

Max loan-to-cost (for refurbs): 85%

Interest rate: From 0.85% per month

Arrangement fee:2%

Exit fee: 1%

Why should I choose you?

Expertise – Whilst a relatively new entrant to the property finance market, we have a wealth of expertise in property finance that extends right up to our C-level team. Our underwriting retains a human touch which means that we are able to take a unique view of your proposal and structure an appropriate solution for your client.

Speed – Then our expert property team can issue indicative terms straight away and get credit approved terms in 5* working days.

Rates – Indicative rates of under 10% p.a.** mean that we are a viable alternative to your current bridging options.

In the first instance please contact our Bridging Specialist Owen Fish,

*Turnaround times are subject the receipt of completed application and required permissions to search with supporting information. Indicative terms can be produced immediately.

** Rate is indicative, all rates are based on risk and are specific to the applicant and their individual circumstances

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