Who is momenta finance?

Momenta Finance, formerly known as Merchant Money, launched in 2013 with a unique lending proposition. Today, they offer a wide range of alternative finance options, including unsecured and secured business finance, bridging loans, and business cash advances, catering to businesses of all sizes and sectors.

What financial products do Momenta Finance offer? 

Momenta Finance offers both business loans and property finance. Here’s a breakdown of the different options available. 

Business loans 

Recovery Loan Scheme

Momenta Finance participates in the Recovery Loan Scheme to help UK small businesses access vital funding. This scheme is designed to support businesses in their investment and growth efforts.

Here’s the key features:

  • Supports access to finance for UK small businesses aiming to invest and grow.
  • Open to smaller businesses with a turnover of up to £45m. Businesses that took out previous RLS facilities before 30 June 2022 can still access this scheme.
  • Up to £250,000 unsecured
  • Personal Guarantee (PG) required
  • Loan term up to 60 months



For businesses seeking flexible financing without the need for collateral, Momenta Finance offers unsecured business loans. These loans provide an accessible way to secure necessary funds for various business purposes.

Here’s the key features:

  • Up to £250,000 for various business purposes
  • UK registered Ltd or LLP company required
  • Minimum annual turnover of £350k
  • At least one Director or Shareholder must be a UK property owner
  • Minimum trading history of 2 years



If your business has substantial funding needs and tangible assets, Momenta Finance's secured business loans could be ideal. These loans offer higher loan amounts by leveraging your valuable assets.

Here’s the key features:

  • £50,000 – £750,000
  • Loan term from 6 to 60 months
  • No early repayment charges after 12 months
  • Minimum annual turnover of £350k
  • Minimum trading history of 2 years


Merchant cash advance

For businesses seeking quick and flexible funding, Momenta Finance offers a merchant cash advance. This solution allows businesses to leverage their card machine transactions for immediate cash flow.

Here’s the key features:

  • Minimum of £30,000 per month through card terminals
  • Up to 120% of card takings, maximum £150,000
  • Minimum advance of £30,000
  • Factor Rate starting at 1.18 x
  • Minimum 12 months trading history

Property finance

Momenta Finance provides various property finance options to meet the needs of property investors and developers. Whether you're bridging a financial gap or seeking a commercial mortgage, they have tailored solutions to help you succeed.


Bridging loans 

For those in need of short term financial solutions for property transactions, Momenta Finance offers bridging loans. These loans help bridge the gap between buying a new property and selling an existing one.

Here’s the key features:

  • Loan amounts from £200,000 up to £5 million
  • Loan term up to 24 months
  • 1st legal charge security
  • Personal guarantee required


Commercial mortgage

Momenta Finance’s commercial mortgage provides an interest-only option to help businesses acquire new properties, renovate existing premises, and support expansion efforts.

Here’s the key features:

  • Loan amounts up to £750,000
  • Interest-only up to 24 months
  • 1st charge security
  • Interest Rate: Starting at SONIA + 7%
  • Minimum turnover of £350k
  • Minimum trading history of 2 years


Development finance

For property developers and investors, Momenta Finance offers property development finance to meet funding needs for construction projects. This specialised loan is released in stages to align with the project phases.

Here’s the key features:

  • Loan amounts from £200,000 up to £4 million
  • Loan term up to 24 months
  • 1st legal charge security
  • Interest Rate: Starting at 1.3% per month (fixed)
  • Up to 75% LTV and 85% LTC


Tenanted properties 

For landlords seeking to optimise their property investments, Momenta Finance offers tailored loans for buy to let properties. These loans allow for equity release, additional purchases, and refinancing to meet various business needs.

Here’s the key features:

  • Residential and commercial properties as security
  • Max LTV: 75% for residential, 65% for commercial
  • Loan Amount: £150,000 – £2 million
  • Loan term up to 60 months

Momenta finance reviews

Customer satisfaction is a priority for Momenta Finance. With an impressive 4.3-star rating on TrustPilot, they have earned a strong reputation for their customer service and financial products. This rating reflects the positive experiences of numerous businesses that have successfully secured funding through Momenta Finance.

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