Backing ambitious UK SMEs

Mercia Business Loans deploys growth capital to established SMEs across the North and Midlands with a focus on the Yorkshire and the Humber and the West Midlands.

  • Growth & expansion
  • Assets & equipment
  • Transactions

Our business loans

Three ways we lend.
One real conversation.

Growth & expansion

Funding to help established businesses make their next move, from investing in people and capacity to entering new markets and accelerating growth.

Assets & equipment

Funding for the machinery, equipment and other assets your business needs to increase capacity, improve productivity or support growth.

Transactions

Funding to help make the next move happen, including acquisitions and management buyouts.

Transactions

York Change Accountants

Mercia Business Loans can help accelerate your business growth.

Founder of Change Accountants, Stacey McVeighty, outlines the reasons why she took growth funding to bolster the growth of her accountancy business after acquiring another local practice in York.

Growth & expansion

Hull Lazenby Group

Discover how the Lazenby Group is scaling faster than ever with the support of Mercia Business Loans.

In this interview, MD Neil Sewell explains how £650,000 of funding enabled a new 8,000 sq ft facility, boosted production capacity and created a more efficient, professional workspace.

Hear firsthand how the right funding partner can turn ambition into accelerated growth.

A selection of other businesses we’ve backed

Different Dog
Heaven Sends
GW Power
Test Consulting
Attic Brew Co
Elle's
FitnessWorx
Geometric Maufacturing
Talk Straight
Play Padel
SeaGrown
Peach Hampers

Frequently Asked Questions

Mercia Business Loans supports growing and established SMEs across the North and Midlands with a focus on the Yorkshire and the Humber and the West Midlands 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 the North and Midlands with a focus on the Yorkshire and the Humber and the West Midlands 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.

The funding can be used in a variety of different ways including working capital, recruiting new teams, launching a new product or service, new larger premises, purchasing new machinery and equipment, acquisitions, and supporting share transactions such as management buyouts and management buy-ins (the latter by exception).

Don’t worry, our investment team are able to point you in the right direction, either to another Mercia fund or external collaborative partners.

An initial conversation with our investment team is the first step where you can set out your funding needs and where you want to take the business.

At Mercia Business Loans we know every business is different. Depending on the complexity of the business, your Investment Manager will outline what information is required to progress your application. Common financials which we would require include financial accounts, management accounts and budgets.