Why choose Mercantile Trust?
With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.
Fast access to business funding without re-mortgaging
Are you a homeowner or landlord looking to unlock equity for your business ventures?
Our Homeowner Business Loans let you access funds quickly using your residential property—without the delays of traditional remortgaging. This loan is secured against your home, which must already have a residential mortgage in place.
We also offer Buy to Let Business Loans for landlords and property investors. You can borrow either a first or second charge against:
Your Buy to Let property, including Holiday Lets, HMOs, MUFBs, and Student Lets
Whether you're expanding your business or managing cash flow, we provide tailored funding solutions secured against your property.


Specialist lending for your needs
Quick access to capital
Business opportunities won't hang about, and neither should you. Our business loans are processed significantly faster than traditional remortgages, giving you access to the funds you need when you need them.
Designed for property owners
Whether you're an established entrepreneur or just starting your business journey, our loans provide a straightforward way to leverage your property's equity for business growth.
Flexible terms
With loan amounts ranging from £10,000 to £500,000 and competitive rates, our short and long-term financing solutions are tailored to meet your business needs.
Application process
1
Simply fill out the Enquiry Form to arrange a call back or call our expert team on 0800 032 3737
2
We will take time to understand what you want to achieve and ensure you qualify for a loan with us
3
If approved you could have the funds in 48 hours

Ready to get started?
We are here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.
Let’s discuss how we can help your next investment. Speak to an expert.
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Common questions about Business Loans