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Retail business loans

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Unsecured loans

from £5,000 to £100,000

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Borrow over

1 to 24 months

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No early

repayment fees

Loans tailored for your retail business

In a dynamic and fast-paced industry like retail, you need loans that work with you – not against you.

Whether it’s acquiring additional stock, expanding your premises, or launching a marketing campaign, our retail business loans are designed to be as quick, easy and flexible as you need.

You’ve already got so much to think about running a retail shop. So, let us worry about getting the small business loan you need and get back to turning your vision into a reality. Your customers are your priority and you’re ours.

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How our loans for retailers
work

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Apply for a retail business loan

First, we’ll check your eligibility. You’ll need to submit some basic information and we’ll get back to you ASAP with an initial decision. If you are eligible, we’ll ask for a few more documents such as your photo ID and last quarter of business accounts.

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Get approved

With the help of a dedicated account manager, we’ll take you through the full approval process step by step. Our decisions are based on the key metrics that matter, including disposable income, payment history and expected cash flow.

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You’ll get your loan

If your application is successful, we’ll work with you to make sure your retail business loan is deposited into your bank in under 4 hour. You’re in the driver’s seat from there.

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What can you use retail business loans for?

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We’ve already helped small
businesses like yours

We know how challenging life as a small business owner can be. That’s why we’re here to help you access the funding you need to focus your time and effort on the other things that matter. Here’s how we’ve helped customers already:

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When Covid-19 kicked in and the UK went into lockdown, so did access to loans. A broker referred me to mcl finance, who were happy to offer financial assistance. mcl finance is superb and quick! A few clicks on your phone, signing e-docs, direct debit completion, and the money is in your account the next day. I will definitely use this service again!

Lilly Jones: Director, Jones Real Estate Limited

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mcl finance was actually recommended to me by my bank manager. Obviously my bank had always backed me, but they just took so long to do it. Literally the same day after my application, I had the finance I needed. It was so fast, I’ve never known anything like it.

Charlotte Richards: Founder & Managing Director,Talismanico Ltd.

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Apply for a retail business loan today

Take the next step with a loan for retail from mcl finance. Our unsecured loans are fast and flexible to help you make bold decisions for your business.

Apply today and we’ll get back to you with a decision as quickly as we can. Feel free to contact us with any questions or get started on your application straight away.

Does your retail business take card payments? Then you’re in luck! Take a look at our merchant cash advance. It’s a flexible way to pay back your loan, through a small percentage of your card transactions. So why wait?

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Retail business loans FAQs

What is retail business loan?

Retail business loans are a fantastic way to secure the financial support your retail business needs. With these loans, you can receive the full amount of money you require and make convenient monthly repayments at a fixed fee that includes interest. It’s important to note that loans for retail businesses may require a personal guarantee. This means that as the business owner, you would become personally liable for paying back the money in the event of any default on loan repayments.

What are the different types of retail loans?

What’s the best way to finance a retail business?

What types of retailers do you offer loans to?

WWhat is the difference between a retail business loan and a regular business loan?

Who can get a loan for retailers?