Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Get FAST CASH to meet business working capital needs!

Borrow between £2,500 and £300,000 with quick pre-approval. Your money can reach your account in as little as 7 business days!
91% APR Representative

Check Your Eligibility

What We At Merchant Cash Express Can Offer You


Get Pre-Approval in Under 10 Minutes

Zero Paperwork

The application process is quick and easy, and it can be completed online . Simply fill out our user-friendly application form.

Based in the UK

We’re a London based company that offers excellent rates for fast merchant cash advances for residents of the UK

Zero Fees

We guarantee no hidden fees or surprise charges.

Total Security and Confidentiality

Security and confidentiality guaranteed with 265 bit data encryption.

Why Choose Merchant Cash Express?

Merchant Cash Express is not a bank nor a lender, but a factoring company. What this means is that there is no interest rate, and no hidden fees. Not even a need to offer security through collateral. What Merchant Cash Express does is buy your projected card receivables by offering you a lump sum upfront. Then, you repay over a longer period of time, in a percentage of your card sales.

Our loans are pre-approved in under 10 minutes, reach you within 7 to 14 business days, and you can get up to £300,000. Merchant cash advances are here to help your business thrive. Small businesses are especially prone to financial issues and we know how important cash flow is, which is why we want to offer you the help you need. All you have to do is fill out a form on our website and see if you can get pre-approved for your £2,500 to £300,000 loan. Once approved, you should get your money within just 7 business days.

Get Started

About Merchant Cash Express

We’re a trustworthy company in London and we can offer excellent rates for fast merchant cash advances for residents of the UK. Here you can get loans at the most convenient rate – no charge.

  • Bad credit is taken into consideration
  • Just one online form to fill in and zero paperwork
  • Loans from £2,500 to £300,000
  • Quotes with zero obligations
  • Fast loans within 7 business days
  • Zero surprise fees or charges
  • Security and confidentiality guaranteed with 265 bit data encryption
Check Your Eligibility

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How Merchant Cash Express Loans Work

This video will show you how our business can help yours when you’re in need of cash flow.

We want to help your business, no matter if you need £2,500 or £300,000. Here is how you can get efficient, cost-effective aid from Merchant Cash Express.

Watch the video

Are You Eligible for a Merchant Cash Express Loan?


To determine if you qualify, answer “YES” to the following questions

Is your business over 1 year old?

Your business must have operated for over 12 months

Do your monthly card sales total £3,500 or more per month?

Your business must make a minimum of £3,500 in debt card or credit card sales per month

Are you a UK resident?

You must be a UK citizen to apply. This requires you to provide identification (a passport, or an original birth certificate, for instance) that proves your citizenship.

Are you 18 or over?

You must be over 18 years old to apply.

How To Apply for a Merchant Cash Express Loan

Calculate Your Monthly Card Receipts

The first thing you need to do is work out how much your average monthly card sales total.

Decide How Much You Want to Borrow

You may or may not want to take the entire amount offered to you; depending on your business needs, decide how much money you would like to borrow.

Get Pre-approved

Complete our simple to follow pre-approval application, it takes less than two minutes.

Get Your Money

Once approved, you should get your money within just 7 business days.

What People Are Saying About Merchant Cash Express on

I was very happy with the service I got at Merchant Cash Express, they helped me with cash flow for my struggling business. Pre-approval only took 10 minutes and I got my money a few days later. Would definitely ask for their help again!

Richard Fisher - Independent Customer

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