Choose your funding product
Open a UMBPAY account to complete verification, pass our eligibility review, and receive approved funds on your UMBPAY Card — delivered to your registered address. Terms and conditions apply.
Personal Loan
For individuals — debt consolidation, home improvements, medical costs, or personal projects.
- £1,000 – £50,000
- 12 – 60 month terms
- Fixed monthly repayments
Business Loan
Working capital, equipment, inventory, and day-to-day business expenses for established companies.
- £10,000 – £500,000
- 6 months – 5 years
- Dedicated funding agent
Equity Funding
Growth capital for businesses seeking equity-style funding with structured repayment plans.
- £50,000 – £2,000,000+
- Tailored term structures
- Business plan review
Startup Funding
Early-stage capital for new ventures — launch costs, product development, and initial operations.
- £5,000 – £250,000
- Flexible early-stage terms
- Founder-friendly process
How it works
From account opening to card delivery
Open your UMBPAY account
Register and submit your application for the product you need. No upfront fee.
Verification
We verify your identity, address, and documents securely through your account.
Eligibility test
Our team runs an eligibility assessment based on your profile and chosen product.
Approval
If approved, you receive your offer with clear rates and terms before you accept.
UMBPAY Card disbursement
Approved funds are loaded onto your UMBPAY Card and delivered to your registered address. Activation instructions included. Terms and conditions apply.
Card shipped to your address · typically 3–7 working days (UK)
Ready to open your account?
Start with the product that fits you — or speak to an agent on WhatsApp first.
Personal Loan Business / Startup WhatsApp
