Can I get funding for Amazon FBA, Shopify, or TikTok Shop?

Yes — we work with multiple specialist lenders who fund sellers across Amazon (FBA and FBM), Shopify, eBay, Etsy, TikTok Shop, and direct-to-consumer brands. Most of these lenders connect directly to your sales platform via API and underwrite based on the last 12 months of revenue, sell-through rate, and refund history. The approval process is largely automated, which is why decisions are typically returned within hours rather than days.

Do I need to put up my house as security?

No — the vast majority of e-commerce funding we arrange is completely unsecured. There are no property charges, no debentures over inventory, and no personal asset security taken. The trade-off is that lenders will require a Personal Guarantee from the directors, typically set at 100% of the loan value. For revenue-based finance products specifically, the lender's primary security is the daily card or payout sweep, which often makes the PG requirement less onerous.

How fast can I get the money?

For established sellers with 12+ months of trading history on the platform, we can often provide a decision in 2–4 hours and have the funds in your account the same day. The speed is driven by API connections to your seller account — once the lender can see your real-time data, the underwriting is largely automated. Larger facilities above £150,000 typically take 1–3 working days because they require a manual review by an underwriter.

Will the lender want to see my business plan or P&L?

For most e-commerce facilities up to £100k, no — the lender will rely on your platform data and last 6 months of bank statements. For larger facilities above £150k, lenders will typically ask for management accounts, an aged debtor report, and a brief overview of your inventory plan for the next 12 months. We'll guide you through exactly what's needed for each lender so there are no surprises during the process.

Can I get funding before I've launched?

Pre-revenue funding for e-commerce is very difficult to arrange because all of the specialist lenders in this space underwrite based on platform data. You'll typically need at least 6 months of trading history and £10k+ in monthly platform revenue before you become eligible for most facilities. If you're pre-launch, we'd usually recommend bootstrapping the first 6 months of stock and revisiting once you have a trading record to show.

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E-Commerce & Online Store Business Loans | Fast Decisions, No Upfront Fees | £5k–£500k+

Traditional banks still look for a shop window — we look at your dashboard. Scaling an online brand requires fast access to capital for bulk inventory and aggressive ad spend. Whether you're an Amazon FBA powerhouse, a Shopify boutique, or an eBay veteran, your growth shouldn't be throttled by slow marketplace payouts or limited cash flow. We provide the financial fuel to help you dominate your niche.

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How E-Commerce Sellers Use Our Funding

From bulk inventory to ad spend scaling — flexible capital designed for online businesses.

Inventory & Stock Funding

Buy in volume to capture supplier discounts and ensure you never hit "Out of Stock" during peak seasons.

Marketing & Ad Spend

Supercharge your customer acquisition across Google, Meta, and TikTok without waiting for marketplace settlements.

New Product Launches

Fund the R&D and initial manufacturing runs for your next bestseller without draining your reserves.

Expert Insights for E-Commerce Finance

Practical tips to help you get the most from your funding.

Protect Your "Algorithm" Ranking

In e-commerce, being "out of stock" doesn't just lose you a sale — it kills your search ranking. Use a short-term business loan to keep inventory consistent; it's often cheaper to pay interest than to rebuild your SEO position from zero.

Leverage Revenue-Based Finance

If your sales are seasonal, look at revenue-based finance. Repayments are a small percentage of your daily sales, meaning your cash flow stays protected during the quieter months following Q4.

The "Bulk Buy" Profit Booster

If a supplier offers a 10% discount for doubling your order, the math usually works. Often, the cost of a working capital loan is far lower than the margin you gain by capturing that volume discount.

Not sure what it will cost?

Use our free calculator to estimate monthly repayments on e-commerce business funding.

Explore Related Funding Options

Discover other products that could work for your online business.

Short Term Loans

Scaling your marketing? Get a fast cash injection to boost your ad spend.

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Stock Funding

Need to replenish stock fast? Dedicated funding to keep your shelves full.

Learn More

Retail & Wholesale

Not selling online? Explore our specialist pages for bricks-and-mortar retail.

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Sector Insights

E-Commerce Finance: A Closer Look

Why funding an online seller is fundamentally different — and why stockouts cost more than the inventory itself.

The Stockout Problem

For Amazon FBA, Shopify, eBay, Etsy, and TikTok Shop sellers, running out of stock is more expensive than buying too much. A stockout doesn't just lose you that day's sales — it tanks your Best Seller Rank, kills your organic visibility, and forces you to rebuild momentum from scratch when the new shipment finally lands. Add in 60–90 day shipping lead times from manufacturers in China, Vietnam, or Turkey, and the working capital requirement to keep a fast-moving SKU continuously in stock can be brutal. Specialist e-commerce lenders understand this — they look at your platform revenue, your sell-through rate, and your reorder cycle rather than your balance sheet.

How Lenders Underwrite Online Sellers

Mainstream banks struggle with e-commerce because they don't understand the marketplaces, the payout cycles, or the role of paid ads in driving revenue. The specialist lenders we work with do. They'll connect directly to your Amazon Seller Central, Shopify, or Stripe account via API, pull your last 12 months of trading data, and underwrite based on real-time revenue trends. Revenue-based finance (RBF) products are particularly popular for e-commerce because repayments flex with your daily takings — when sales spike during Black Friday or peak season, you pay down faster; when revenue dips post-Christmas, repayments ease.

Choosing the Right Funding Structure

There is no single "e-commerce loan" — the right product depends on what you're funding. For inventory purchases ahead of Q4 peak, a short-term unsecured loan or revenue-based facility over 6–18 months is the standard route. For ad spend (Meta, Google, TikTok), a flexible revolving credit line lets you scale spend on profitable campaigns without waiting for marketplace payouts. For larger investments — warehouse expansion, 3PL deposits, or acquisition of a complementary brand — a longer-term unsecured loan over 2–5 years is usually the cleanest fit. We'll look at all three angles before recommending a route.

Eligibility Requirements

To qualify for our alternative business finance solutions, your business needs to meet these basic criteria

Quick Eligibility Check

UK Registered Company

Your business must be either a limited company, LLP, sole trader or partnership in the UK

Monthly Turnover £10k+

Minimum monthly turnover of £10,000 to qualify for funding

6+ Months Trading

At least 6 months of established trading history required

UK Resident Director

At least one director or shareholder must be a UK resident

Meet the criteria?

If your business meets these requirements, you could be eligible for funding despite bank declines

No obligation to proceed after checking eligibility

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Frequently Asked Questions

Common questions about e-commerce business funding.

Ready to Scale Your Online Store?

From stock funding and ad spend capital to revenue-based finance — get the funding your e-commerce business needs to dominate.

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