Funding by sector
Retail & e-commerce finance
Retail and e-commerce success often means buying stock months before the cash comes back. We match shops and online sellers to working capital and revenue-based funding that lets you stock up for peak, invest in marketing, and grow without choking cashflow.
No credit check to see your options.
Common funding needs
Buying inventory ahead of a peak season
Marketing and customer-acquisition spend
Multi-channel and new-product expansion
Smoothing the gap between buying stock and selling it
Worth knowing
A revolving facility lets you draw to buy stock and repay as it sells — you only pay for what you use.
If most sales go through a card terminal or online checkout, revenue-based funding can flex with your takings.
Facilities that suit retail & e-commerce
The funding types we most often match in this sector. Not sure which fits? Tell us what you need and we'll recommend one.
Revolving credit facility
A flexible limit you draw and repay as needed — you only pay for what you use.
Merchant cash advance
An advance repaid as a percentage of your daily card takings.
Unsecured term loan
A fixed lump sum repaid over an agreed term, with no asset used as security.
Invoice finance
Release cash tied up in unpaid invoices instead of waiting for customers to pay.
Frequently asked questions
Can I borrow to buy stock for a peak season?
Yes — a revolving credit facility or term loan can fund a stock purchase ahead of demand, repaid as that stock sells through.
Do I need to secure retail funding against assets?
Not necessarily. Much retail working capital is unsecured (a director's personal guarantee may apply), and we always make any security requirement clear up front.
See what you qualify for
Start your application now — it's free, takes minutes, and there's no credit check to view your options.