Momenta Finance
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.
Quick verdict
- Product: SME term loan + merchant cash advance.
- Ticket band: £5k to £500k.
- Pricing: From around 1% per month / factor rates on MCA.
- Momenta Finance says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Momenta Finance, at a glance
- Legal entity
- Momenta Finance Limited
- Companies House
- 14423247
- Founded
- 2013
- Product
- SME term loan + merchant cash advance
- Ticket range
- £5k to £500k
- Decision time
- Same day to 48 hours
- Ltd-only
- No, the lender also accepts other structures
Where Momenta Finance is strong
- 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.
Watch-outs, and when another lender may suit better
- 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 fit applicants
- Established Ltd companies
- £25k to £150k tickets
- Hospitality and retail with card flow
Where Momenta Finance is the wrong fit
- Rate-sensitive borrowers
- Sub-£5k tickets
- £250k+ tickets
If declined by Momenta Finance
If your application to Momenta Finance is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Momenta Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Momenta Finance?
Momenta Finance offers sme term loan + merchant cash advance. Ticket range: £5k to £500k. Typical rate: From around 1% per month / factor rates on MCA.
How long does Momenta Finance take to decide?
Same day to 48 hours Momenta Finance says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Momenta Finance the best fit for?
First on the list: Established Ltd companies. The full list is under Best fit applicants above.
When might another lender suit better than Momenta Finance?
First on the list: Rate-sensitive borrowers. The other cases are under Where Momenta Finance is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Momenta Finance
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.