Financial Support When You Need It Most

At AptPay, we offer a range of fast, hassle-free financial solutions to support limited companies across the UK. With a range of financial lending services on offer, call us today for more information.

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Bridging Loans & Other Financial Solutions

Our bridging finance solutions offer access to additional capital in days, allowing you to ‘bridge the gap’ when buying residential property, making a property investment or facing cash flow challenges in your business.

Our experts can advise you on the best solution for you.

A Range Of Financial Support

From bridging loans, business loans and merchant cash advances to commercial mortgages, business banking and top-quality chip and pin machines for credit card payment transactions, we have the financial solution for your UK businesses. Find out more about our range of services.

customers discussing bridging loans

Bridging Loans

Access to money in days with our short-term, up to 24-month loans.

business loans

Business Loans

1-10 year, fixed-interest rate loans perfect for your SME.

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Merchant Cash Advance

Access to money when you need it but with a repayment plan based on your credit/debit card income.

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Commercial Mortgages

Secure the best rates for your limited company.

card machines at a small business

Card Machines

Simplify your transactions with our highly-efficient GPRS and wireless card machines.

Discussing the opportunities of opening a banking account

Business Banking

Get your account set up in 10 minutes, so you can get back to your business’s day-to-day.

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Saman Hassan profile picture
Saman Hassan
6 June 2026
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I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
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Anita Kaur
26 May 2026
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I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
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JJ_n_TY Chitiyo
22 May 2026
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Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
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Brenda Chikosha
25 April 2026
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My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
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Caphas Chisangowerota
22 April 2026
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Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
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MUHAMMAD ZAMAN WARRAICH
17 April 2026
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My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
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Robin Sharma
14 April 2026
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We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
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isaac ogundiran
10 April 2026
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I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
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Rebwar profile picture
Rebwar
24 March 2026
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Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

Fill The Gap With Our Bridging Loans

We understand the financial difficulties facing UK businesses, which is why we are now offering quick-access bridging loans. Our experts will assess your application and provide an Offer in Principle (OIP) the very same day you apply. With loans available for up to 24 months, you can bridge the gap your business is facing using the equity in your property. 

Whether you want to branch out and purchase a new business premise, grow your business into new ventures or carry out light or heavy refurbishments. We have the bridging loan solution for you. Borrow up to £50 million with rates starting at 0.64%.

Short-Term Loans Allowing Quick Access To Capital

Bridging loans enable you to borrow money against your property’s equity, allowing you to secure extra funding towards your next venture. Bridging loans can be used to finance:

Buying Residential Property

Investing in Buy-to-Let

Securing an Auction Property

Semi or Heavy Refurbishment Projects

Purchasing Commercial Property

Additional Financial Solutions

We also offer a range of financial services allowing you to access the right help for you and your business.

Merchant Cash Advances

The best way to get your hands on fast finance.  With application approvals in 24 hours, you can find the money in your business account within 48 hours. Unlike conventional loans, our merchant cash advances allow you to pay back the money based on your cash flow.

Business Funding

Borrow money through a business loan that suits you. With fixed interest rates, there are no hidden surprises when it comes to your repayments. With loans ranging from £1,000 to £500,000 and flexible terms from 1-10 years, there’s an option perfect for your business.

Commercial Mortgages

Our commercial mortgages are tailored to your situation. Let our experts secure you the rates from our trusted lenders. Discover our flexible repayment options on offer today.

Which industries do you specialise in?

 

We have years of experience in supporting businesses of different sizes. Regardless of which industry you operate in, we can find the right bridging loan, financial or card payment solution that matches your requirements. From face-to-face options to phone or virtual payments, we can help you choose the one best matched to your business needs. Our services are focused on providing a tailored approach so that you can maximise your opportunities by providing the best customer experience. Some of the industries we have previously helped with are:

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Retail (offline and online)

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Food, Catering and Hospitality

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Health and Medical

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Marketing and Web

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Travel and Leisure

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Construction

We also support the merchants considered to be in the high-risk groups. Some of these groups include:

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Businesses within the precious metals and jewellery industry

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Online Pharmacies

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Debt Recovery Companies

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Gambling

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Dating Agencies

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Tobacco/E-cigarettes and Alcohol businesses

Bridging Loan Solutions Up To £50 Million

Dedicated Service & Support Team

Available Any Time You Need Us