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 routing verdict

  • Product: SME term loan + merchant cash advance.
  • Ticket band: £5k to £500k.
  • Decision time: Same day to 48 hours.
  • Pricing: From around 1% per month / factor rates on MCA.
  • Soft search at quote stage: no credit-file footprint.
  • FCA-authorised.

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
Lender accepts other structures, FundBiz routing is Ltd-only
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Momenta Finance decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Momenta Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

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Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+