Lender review · SME term loan + merchant cash advance
Momenta Finance
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 14423247
- Methodology Public
Direct lender that rebranded from Merchant Money to Momenta Finance in 2024 to reflect a broader product set beyond cash advance. Term loan and MCA up to £500k for established UK SMEs. Trades on speed and accommodating underwriting; per-month and factor-rate quoting hides effective APR.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- SME term loan + merchant cash advance
- Ticket size
- £5k to £500k
- Typical rate
- From around 1% per month / factor rates on MCA
- Decision time
- Same day to 48 hours
- Soft search at quote
- Yes
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 14423247
- Founded
- 2013
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed5/5
- Decline handling4/5
How Momenta Finance works
Momenta Finance operates as a sme term loan + merchant cash advance provider in the UK SMB market. Direct lender that rebranded from Merchant Money to Momenta Finance in 2024 to reflect a broader product set beyond cash advance. Term loan and MCA up to £500k for established UK SMEs. Trades on speed and accommodating underwriting; per-month and factor-rate quoting hides effective APR.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £5k to £500k band, decisions land within Same day to 48 hours, and the published rate range is From around 1% per month / factor rates on MCA. Soft search at quote means no impact on your credit file at the eligibility stage. Momenta Finance is FCA regulated.
Where Momenta Finance fits best: established ltd companies, £25k to £150k tickets, hospitality and retail with card flow. Where it does not fit: rate-sensitive borrowers, sub-£5k tickets, £250k+ tickets.
Pricing examples
Worked examples using Momenta Finance's published rate range (From around 1% per month / factor rates on MCA). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Momenta Finance quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Rate-sensitive borrowers; Sub-£5k tickets; £250k+ tickets.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Established Ltd companies; £25k to £150k tickets; Hospitality and retail with card flow.
Pros
- + Direct lender; no broker mark-up.
- + Same-day decisions for clean cases.
- + More accommodating on credit history than mainstream term lenders.
- + Term loan plus MCA under one provider.
Cons
- − Per-month rate and factor-rate quoting hides true APR.
- − Mid-tier brand recognition; new name still bedding in.
- − Less competitive on £250k+ tickets than specialist banks.
Best for
- · Established Ltd companies
- · £25k to £150k tickets
- · Hospitality and retail with card flow
Weak at
- · Rate-sensitive borrowers
- · Sub-£5k tickets
- · £250k+ tickets
When to use Momenta Finance
Use Momenta Finance when
Your application matches the best-fit profile: established ltd companies, £25k to £150k tickets, hospitality and retail with card flow. The published ticket range (£5k to £500k) covers your ask, the decision speed (Same day to 48 hours) fits your cash-gap timeline, and the rate range (From around 1% per month / factor rates on MCA) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Momenta Finance when
Your profile sits in the weak-at list: rate-sensitive borrowers, sub-£5k tickets, £250k+ tickets. Momenta Finance will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Momenta Finance as a screen.
FAQs
What is the minimum trading time for Momenta Finance?
Momenta Finance typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Momenta Finance require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Momenta Finance is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For sme term loan + merchant cash advance specifically, expect a PG to be requested.
How fast does Momenta Finance fund?
Momenta Finance quotes Same day to 48 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Momenta Finance?
Momenta Finance's published range is From around 1% per month / factor rates on MCA. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Momenta Finance declines me?
If Momenta Finance declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Momenta Finance scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.momentafinance.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Momenta Finance.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.momentafinance.com.