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    New customers
    0800 032 3737
    Existing customers
    0800 980 6262
    Request a call back
    Make a payment
New clients
0800 032 3737
Existing clients
0800 980 6262
Request a call back
Make a payment
Contact us
Contact us

Business Loans

Raise funds quickly for your business by securing a loan against your Residential or Buy to Let Property

  • Loans from £10k-£500k
  • Bridging and term loans available
  • Pay monthly or at term end
  • Adverse credit considered 
  • Multiple exit strategies accepted
  • Funds possible in 48 hours
Enquire now
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Home Owner Business Loans

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Buy to Let Business Loans

Why choose Mercantile Trust?

With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.

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Borrow from £10,000 to £500,000
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Borrow up to 75% Loan-to-Value (LTV)
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Personal & Limited Company borrowers welcome
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Lending across the UK: England, Wales, Scotland, and Northern Ireland
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Business loans on residence accepted (2nd charge only)
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Available on: Holiday Lets, HMOs, MUFBs, and Student Lets
Enquire now

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.

0800 032 3737

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Common questions about Business Loans

 

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© 2025 Mercantile Trust. All rights reserved.
Postal address: Mercantile Trust Limited, Building 2, Axis, Rhodes Way, Watford, Hertfordshire, WD24 4YW.
Registered Office: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX. Mercantile Trust is registered in England No: 07023863.

Our loan products are not regulated by the Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.