Talk to the our experts

  • Variable rates from 0.99% per month
  • Loan to value up to 75%
  • Properties in England, Scotland, Wales and Northern Ireland
  • Individuals and limited companies accepted
  • Second charge bridging loans available
  • Smaller loan amounts, from just £25,000
  • Borrow up to £500,000
  • Lower value properties, from just £75,000
  • No minimum personal income
  • First time landlord/first time buyers with no rental history (LTV restricted to 65%)
  • Non-standard construction properties

If you have had problems with credit, we may still be able to help.

Talk to the bridging loan experts

Specialist lending for your needs

If you’re looking to secure funding for business purposes only, then a business loan is the best solution for you.

A business loan allows you to release the equity from your main residential property to fund new or existing business ventures.

Business loans are often much faster to process than a remortgage, making them a good option for those who need the money quickly.

Are you looking to purchase another property to expand your portfolio? Do you need to fund some essential EPC-related upgrades on an existing property or general business overheads? We can lend to help you cover these costs.

With our business loans, you could borrow anywhere from £25,000 up to £150,000 with rates starting from as low as 0.99% per month. Terms are short, ranging from 3 to 18 months.

We have no phone menus, so you can receive immediate contact from our advisors.

We can help you get the cash you need, quickly, to get your business started.

Call free on 0800 032 3737, or enquire online. An advisor will contact you straight away during office hours.

You could get a lending decision in just one call.

Enquiring is easy

It takes 30 seconds.

Simply fill out the form above, or call us to discuss your needs now.

Our team of experts are there for you.

You'll deal with the same experienced advisor throughout your enquiry.

We can get you the funds you need, fast.

You could get a lending decision in just one call.

Our flexible approach


We are proud to be a lender who can deliver loans at a fast approach, to consumers. We make this possible by carrying out our own legal checks, in house for loans under 100k, within hours. We can offer automated valuations, which are available to produce financial solutions in an instant.

Mercantile Trust regularly help their customers carry out renovations with heavy refurbishment loans, by providing finance fast.

No minimum income

At Mercantile Trust, we put our customers at the forefront of what we do.

We offer top slicing, where we can use your personal income when carrying out affordability calculations. If your rental income does not cover your mortgage repayments, we will top up the remaining amount that you cannot cover so you are able to get the loan you require.

No Exit Fees

We want you to be in control of your finance.
With no early repayment or exit fees, Mercantile Trust will strive to find a loan to meet your financial requirements.

Business loan criteria

We aim to help absolutely everyone, however there are certain criteria that must be met in order to make a successful application:

  • Unregulated bridging applications only
  • Rates from 0.99%
  • Up to 75% loan to value
  • Most property constructions accepted
  • No personal income requirement
  • No exit fees
  • Minimum property value £75k
  • Minimum advance £25k max £500k
  • Confirmation of exit required
  • Minimum of one buy to let or residential property required
  • Serviced and rolled interest available
  • No ERC (Early Repayment Charge)
  • First and second charge available

Frequently asked questions

A business loan is a loan designed specifically for business purposes that will need to be paid back over a period of time.

A common use of a business loan is to invest in your business’ growth potential. It is a source of finance that is used to get a company to manage daily business activities. A business loan can be used for:

  • Funding the purchase for your business’ premises
  • Buying stock
  • Covering ongoing costs
  • Moving location
  • Taking on new staff

The documents that you need when applying for a business loan are:

  • Financial statements over the last 3 years
  • Credit score
  • Collateral details
  • Any legal documents of the company

Before you take out a business loan, there are multiple factors to consider. Firstly, the loan amount and whether you are eligible for enquiry. This depends on financial information such as your credit score. At Mercantile Trust, we understand that financial situations aren’t always easy. We often consider circumstances that other lenders don’t. Regardless of your credit score, we will always look for a way to help.

Before applying for a business loan, it is important you have a plan together on how you will use the funding. This is so we can look at your business plan and assess how likely you will be able to generate income over a period of time. Not only this, a business plan is for your benefit so you can manage your budgets properly and minimise any possible financial implications that you may encounter.

At Mercantile Trust, taking out a business loan is easy. In just 30 seconds you can fill out an enquiry form or be in touch with our team today.

How much you can borrow for a business loan depends on a number of factors.

  • Your income
  • Your credit history
  • Your organisation’s profits
  • Your business plan

At Mercantile Trust, you can borrow up to £150,000 to help fund your business.

Are you looking to grow your business? Or are you wanting to pay off your debts? Either way, Mercantile Trust is able to offer the financial support you need.

With our expertise, we are confident that we can provide exceptional service to guarantee you success in every area of your business.

At Mercantile Trust, we like to keep you as our customer at the forefront of our business. We offer true daily interest, meaning that we won’t overcharge you if you pay back your loan before the end of the term. For example, if you had a business loan with a 12 month term and managed to pay back the loan in 11 months, we wouldn’t charge you for the full 12 month period.

Having worked with numerous of customers, we are proud to say that we are rated 4.2 stars on TrustPilot. Our priority is you and meeting your financial requirements. Unlike other lenders, we consider your personal circumstances and empathise with your particular needs. So, if you value flexibility and excellent customer service then enquire now.