E-commerce Business Funding UK 2025

Best E-commerce Funding Providers

1. YouLend - Best for Shopify/Amazon Sellers

• Perfect for: Shopify, Amazon FBA, eBay, marketplace sellers
• Integration: Connects directly to platform, pulls sales data automatically
• Factor: 1.10-1.35x
• Amount: £5k-£500k
• Speed: 24-48 hours

2. iwoca - Best Rates for E-commerce

• Perfect for: Any online store wanting lowest cost
• Factor: 1.08-1.25x (saves £3k-£7k vs YouLend on £50k)
• Min Revenue: £3,000/month (lower than YouLend's £8k)
• Speed: 24 hours

3. Amazon Lending - For FBA Sellers Only

• Available to: Invite-only Amazon FBA sellers
• Rates: Competitive (similar to iwoca)
• Limitation: Can only use on Amazon inventory

E-commerce Funding Use Cases

Use Case 1: Inventory for Q4

Need £60k for Christmas stock in September. Sell through by December. Repay by January.

Best option: YouLend or iwoca MCA (8-9 month repayment, done by March)

Use Case 2: Facebook/Google Ads Budget

Need £20k for paid advertising to scale.

Best option: iwoca (lowest cost) or YouLend (faster for Shopify stores)

Use Case 3: Amazon FBA Inventory

Amazon seller needing £100k for FBA stock.

Best option: Amazon Lending (if invited) or YouLend (Amazon integration)

Shopify Store Owners: Special Notes

YouLend integration advantages:

• One-click connection to Shopify
• Auto-pulls sales, refunds, disputes
• Instant offer based on real data
• No manual statement upload needed

However: iwoca's better rates (1.08x vs 1.10x) save £1,000-£5,000. Worth manual upload for the savings?

Conclusion

YouLend if: Heavy Shopify/Amazon user, value seamless integration
iwoca if: Want best rates, can handle manual application
Both if: Smart - apply to both, choose best offer