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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company's service, highlighting its positive impact on their business cash flow. They appreciate the helpfulness and efficiency of the staff, who are often described as polite, welcoming, and clear in their instructions. Consumers also value the user-friendly experience, particularly the ease of tracking loans through the online platform. People highlight the superb customer service, noting the quick response times and the attentiveness of the team. The payment process is also well-received, with reviewers emphasizing its simplicity and speed. Many reviewers express that the company has been a reliable source of support, especially when facing financial challenges.

Based on these reviews

Rated 5 out of 5 stars
Verified

I had a fabulous experience with MoralCompany. Their friendly team guided me through a very quick and easy process to access the right amount of funding. As every step is being made completely transparent, I... See more

Rated 5 out of 5 stars

What a superb finance company. Simon Andre and his team have been remarkably efficient and handled our application with total professionalism, as few are so hands-on. No Bots and AI as real people de... See more

Rated 5 out of 5 stars
Verified

Excellent Experience with MoralCompany! MoralCompany has been fantastic from start to finish. The application process was quick and straightforward, and their team was incredibly supportive throughout. Funds were... See more

Rated 5 out of 5 stars
Verified

MoralCompany has given continuous good service over the last two years as and when we have required funding to bridge our cash flow needs. They have acted swiftly and professionally to put finance in place w... See more

Rated 5 out of 5 stars
Verified

Blown away by the customer service skills. Borrowing is simple, straight forward and incredibly easy to use. Start as you mean to go on, and by the great start we have had we are looking forward to... See more

Rated 5 out of 5 stars
Verified

MoralCompany has always been my saviour when invoices payments are delayed. They offer instant access to funds hence releasing the stress and supporting the business to carry on. The other beauty is you can... See more

Rated 5 out of 5 stars
Verified

The customer service is excellent and the terms are just so flexible. Great help just when required with the minimum of fuss. Would highly recommend

Rated 5 out of 5 stars
Verified

great service they provide and it really helps us with the cashflow for our business, no heavy credit checks for smaller amounts and 12 months to pay back. cheaper rates for us than borrowing via sum... See more

Rated 5 out of 5 stars
Verified

Quick and easy process. The team was great—communication was smooth and professional. I’m Deaf, and they were very respectful and fully aware of my communication needs. Excellent service for my busine... See more

Rated 5 out of 5 stars
Verified

excelle ent service same gentleman from start who knows what you want. thank you great service from start to finish kept we updated every step of the way Thank you Ryan x

Rated 5 out of 5 stars
Verified

I highly recommend MoralCompany. Their customer service is second to none. very quick response, exceeding my expectations every time. I was also completely impressed with their professionalism and custom... See more

Rated 5 out of 5 stars
Verified

The guys I spoken to was very polite , helpful , welcoming , and was very clear on instructions and was brilliant at getting me to the point of what I needed , Great at explaining things to me and... See more

Rated 5 out of 5 stars

Really pleased to work with MoralCompany. Superb customer service . MoralCompany gives you the opportunity to maintain your cash flow with flexible interest free or low interest payment . Will definitely use them... See more

Rated 5 out of 5 stars
Verified

Their prompt response to a customer enquiry which translated in us concluding business and starting what seems to me a long business relationship. Charlie is terrific, he is customer focused, returns... See more

Rated 5 out of 5 stars

I dealt with Thomas he was super helpful and professional just made what can be a difficult situation very easy. Thank you

Rated 5 out of 5 stars
Verified

When you’re down and there’s no one to help or pick u up, when friends and family not got your back , MoralCompany is always there to help in anyway they can , and the appreciation is highly appreciated Th... See more

Rated 5 out of 5 stars
Verified

As a fairly new business. I was finding business funding difficult. MoralCompany are the only company in my first two years of trading to have offered me that. I started with a low loan, but have slowly incr... See more

Rated 5 out of 5 stars
Verified

Good service,very prompt in delivery of the funds after all the security checks.i highly recommend MoralCompany to businesses looking for short term funds.

Rated 5 out of 5 stars
Verified

Fast easy soloution for unexpected bills. Keeps my business ticking over until pay day when needed.

Rated 5 out of 5 stars
Verified

Highly Recommended I’ve been really happy with my experience using MoralCompany for business finance. The process was quick, straightforward, and the support team were always helpful. Having access to fas... See more

Rated 5 out of 5 stars
Verified

So easy and fast, I would not hesitate to recommend moralcompany and I may look at using them in my other businesses

Rated 5 out of 5 stars

MoralCompany are very, very good at what they do. Customer service is excellent. They care, they’re available and they’re efficient.

Rated 5 out of 5 stars
Verified

It’s simple and it works. No mucking about or silly requirements and thank God not that awful photo ID by mobile which never seems work

Rated 5 out of 5 stars
Verified

Really fast and smooth application and I had great support from my account manager Paulo. Thank you!

Rated 5 out of 5 stars

It helped me a lot for buying stock for my shop & that too without interest . Very helpful for small business owners .

Rated 5 out of 5 stars
Verified

The MoralCompany team, especially my Account Manager has been very responsive to my ever changes needs so I can be flexible in managing my finances. And for that I would to thank them!

Rated 5 out of 5 stars
Verified

Filled my application on a Sunday morning got my funds on Monday afternoon . First class service cannot fault MoralCompany whatsoever. Thankyou

Rated 5 out of 5 stars
Verified

Was very helpful with my cash flow and will be using you all the time once I pay the loan back in full with the interest very very handy to know that you’re there to help

Rated 5 out of 5 stars
Verified

MoralCompany have been a great help for my small business. They make the process simple and Reuben Kean is always very efficient. Great customer service

Rated 5 out of 5 stars
Verified

Easy to apply, nothing complicated, they keep guiding and helping you all time , also they update you about your application step by step once it's finish and approved, the money comes to you your acc... See more

Rated 5 out of 5 stars
Verified

helpful and swift. simple uploading and credit check within seconds. Outstanding for small businesses

Rated 5 out of 5 stars
Verified

Great quality service and would definitely recommend. Easy and smooth process to obtain a business loan

Rated 5 out of 5 stars
Verified

Fast easy process from start to finish - what a difference to most providers!

Rated 5 out of 5 stars
Verified

For me, it's the simplicity of the process and the speed of the funds arriving in my account. Matchless quality!

Rated 5 out of 5 stars
Verified

I'm happy to work with you I'm good to hear from you are you the best Thanks you for my business support I really appreciate your help Kindly regards M-T D-C

Rated 5 out of 5 stars

The service and help that MoralCompanyPay gave us during the whole the process was great! I really recommend!

Rated 5 out of 5 stars
Verified

Very efficient setting up of an interest free payment option for supply of services. Thank you

Rated 5 out of 5 stars
Verified

Easy to apply and process was straight forward 👌 got the loan approved and money was in the account instantly

Rated 5 out of 5 stars
Verified

Excellent customer service, very quick turn around and access to business funds. Would highly recommend to others.

Rated 5 out of 5 stars
Verified

My experience was quite a process that took few days and that's because I have zero knowledge of IT (information Technology)but when I finally did all that was required, I receive the loan in my accou... See more

Rated 5 out of 5 stars
Verified

Great customer service seamless process and there when I needed them. Thankyou

Rated 5 out of 5 stars
Verified

the process of topping up existing loan was very quick and simple

Rated 5 out of 5 stars
Verified

Processing the loan was smooth and the account manager provided guidance

Rated 5 out of 5 stars

From the beginning the website, and the team was very helpful and quick to provide relevant information and eligibilities. I had Joe Daysh as my main contact and he was great. Again took me through th... See more

Rated 5 out of 5 stars
Verified

I’ve had a great experience working with moralcompany. The process was smooth, clear, and fast from start to finish. Sara was especially helpful — friendly, professional, and always quick to respond to any... See more

Rated 5 out of 5 stars
Verified

Really quick and easy. Very professional. I highly recommend their services.

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Company details

  1. #56 of 171 best companies in Non-bank financial service

About moralcompany

Written by the company

We want small business owners to spend less time on paperwork and more time running their businesses.

When they go to their banks for finance they face long waits, endless forms and absurdly rigid criteria. That means the UK’s 5.5 million small business owners are spending more time than they need to checking boxes and filling out forms to get the funding they need.

We built a new type of lending service to make things simpler and stop small businesses getting left behind. We’re here to make finance feel like a superpower, not a headache.

Find out more at moralcompany.net or call us on +491783914534.

About moralcompany

Written by the company

A simple application
It only takes 5 minutes to submit an application and we can have you approved in hours. Best of all it costs nothing to apply and there is no commitment.
Full flexibility
Borrow as much as you need up to your credit limit and keep the funds for any period up to 24 months (no long-term commitments).
A dedicated UK-based account manager
You will have your own account manager to answer any questions. No call-centres, no waiting on hold.
A better deal as you grow
We want you to see moralcompany as your business partner. As your business grows we will look at increasing your credit limit and reducing your interest rate.

Contact info

4.8

Excellent

TrustScore 5 out of 5

11K reviews

5-star
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1-star

Replied to 92% of negative reviews

Typically replies within 1 week

Top mentions

ServiceApplicationCustomer serviceStaffRecommendationPaymentUser experienceResponse timeSolutionCustomer communications

Rated 5 out of 5 stars
Verified

Business loan

We were Offered a business loan and once i had repaid over half we had the opportunity to increase the loan.. once i accepted the offer funds were available instantly. Great service and good terms too

20 November 2025

See if a website is trustworthy without leaving the page

Rated 5 out of 5 stars
Verified

Easy to apply

Easy to apply, nothing complicated, they keep guiding and helping you all time , also they update you about your application step by step once it's finish and approved, the money comes to you your account in a minute, highly recommended.

12 November 2025
Rated 1 out of 5 stars

As an existing customer with a great…

As an existing customer with a great history I’ve been lied to and treated like dirt by account manager and also when you complain they back each other and don’t take the facts of the complaint into consideration, customer service is also very poor

13 November 2025
Unprompted review

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