About

About1Who is First Merchant?
First Merchant is a private Finance House which has provided specialist facilities to the Hospitality sector since 1995. Our very popular fixed interest loans offer a practical funding solution for both first venture entrepreneurs and well established operators expanding their brand.

What does First Merchant offer?
First Merchant grants simple 36 and 60 month Repayment Loans. We also offer our unique 12+36 (60) scheme which provides an initial 12 month interest-only facility followed by the 36 or 60 month repayment loan. The repayment loans are structured with fixed monthly instalments of capital and interest therefore our clients have peace of mind knowing that their debt will be totally discharged with the final payment on their loan.

Why choose First Merchant?About2
First Merchant knows Hospitality and we adopt a refreshingly pragmatic approach when assessing any new case. We need to determine the financial viability of a proposition so in all sanctioned cases one of our panel specialist consultants will inspect the trading records of a business on site and/or evaluate the viability of a new venture where a client is acquiring vacant premises to expand their brand. This style of investigation provides a comprehensive financial profile of a transaction which enables us to underwrite a case with greater accuracy rather than just relying on traditional methods.

The Hospitality Business Lender
First Merchant is a trading style of First Merchant Finance Plc. Loans are granted for commercial purposes only. First Merchant only deals with and grants loans to UK registered Limited Companies.