Business
loans
made simple.
Flexible business loans, shaped around where you’re going, not where you’ve been.
Why us?
- Loans up to £2m
- No equity taken
- A real person from start to finish
- Terms built around your business
A quick fit check
Let’s make sure we’re right for each other.
No long forms before you know whether we can help. A few simple things tell us whether it’s worth having a conversation.
You’re an SME
An established SME with strong trading.
You have a clear plan
You know what the funding is for and what it will help the business achieve.
Your business can support the borrowing
Your plan and financials demonstrate that the business can comfortably meet repayments.
You have the right team
A management team that knows the business, knows the numbers and can answer the key questions
Businesses making their next move
Latest news
Stories, insights and the latest from businesses we back.
UNCOMPLICATED PROCESS
From hello to funded
Every deal is different. We don’t set artificial timelines. We’ll move as quickly as the deal, and you, allow.
1
Conversation
Today
Tell us about your business, where you’re going and what you need. We’ll quickly work out whether there’s a potential fit.
2
Indicative
1 week
We’ll set out what we believe we can offer and the likely terms, so that you know what you’re working with.
3
Diligence
2-5 weeks
We get into the detail of the business, the numbers, the plan and the information we need to understand the deal properly.
4
Approval
8 weeks
We bring everything together and take the deal through our approval process.
5
Go
Documents signed. Funds released. You make your move.
You set the pace.
Your move
Give us the right information at the right time and we’ll move as quickly as you can.
Our business loans
Three ways we lend.
One real conversation.
Are we right for you?
We’re direct about the fit.
Mercia Business Loans isn't for everyone and we won't pretend otherwise. Here's exactly who we lend
to, and who we point elsewhere.
You’ll likely qualify if:
- You’re an established SME with strong trading
Ideally supported by audited accounts. - You have a clear purpose for the funding
Growth and expansion, assets and equipment, or a transaction. - Your business can support the borrowing
Your plan and financials demonstrate a clear ability to meet repayments. - You have a strong management team
People who understand the business, know the numbers and can answer the hard questions.
...or we will suggest other options
- Pre-revenue or seed-stage businesses
Mercia Ventures may be a better fit. - Sole traders or unincorporated businesses
- Businesses in active distress or insolvency proceedings
- Loan requirements below £100k
We have partners who specialise.
Case Study - Assets & equipment
Sheffield
Ekspan
EKSPAN help deliver some of the UK’s most high-profile bridge infrastructure projects. The Sheffield-based business raised almost £1.4m in debt funding in August 2025 to support its further growth.
Watch as Max Angerer (MD), Jordan Gerrard (Pre-Contracts Director) and Andy Tyas (Mercia Business Loans) speak about the business’ growth journey thnks to the debt funding, how the manufacturing sector is putting ‘Made in Sheffield’ back on the map and what the future has in store for the company.
Case Study - Growth & expansion
West Yorkshire
Thornton Park Farm
Managing Director of Thornton Park Farm, Richard Dunnett, explains how Mercia Business Loans £100,000 loan secured a further £50,000 rural grant to support the construction of five luxury glamping pods and diversify their income from farming activities.
Frequently Asked Questions
Mercia Business Loans supports growing and established SMEs across the West Midlands, Yorkshire and the Humber with funding from £100,000 to £2million, helping ambitious management teams with their growth plans.
Frontier Development Capital is part of Mercia Asset Management PLC and deploys the Midlands Engine Investment Fund II (MEIF II) to established SME businesses, offering business loans between £100,000 and £2million.
Mercia Business Loans deploys across all the Midlands and North, with a focus on West Midlands, Yorkshire and the Humber regions via the Northern Powerhouse Investment Fund (NPIF II) and the Midlands Engine Investment Fund II (MEIF II) funds respectively.
Businesses can borrow from £100,000 to £2million.
Typically, our loans will be over a 12–60-month term. We can occasionally accommodate a short capital repayment holiday if required.
The fund is largely sector agnostic, meaning we can lend to most businesses.
You can contact us through our application form here (insert link) or by emailing marketing@mercia.co.uk