E-commerce Business Loans UK 2025
Funding for online retailers. Inventory finance, revenue-based loans, working capital for Shopify, Amazon, and independent e-commerce stores.
E-commerce Funding Options
1. Revenue-Based Financing - Best for Growing Stores
Perfect for e-commerce: Repay as % of monthly revenue.
- Wayflyer: £10k-£10m, 6-12% of revenue, for e-commerce with £15k+ monthly sales
- Clearco: £10k-£10m, marketing and inventory funding
- Uncapped: £10k-£5m for digital businesses
2. Inventory Finance
Borrow against stock value for seasonal ordering:
- Amount: 50-80% of stock value
- Term: 30-180 days
- Cost: 1-3% per month
- Repay when stock sells
3. Amazon/Shopify Capital
Platform-native funding based on sales history:
- Amazon Lending: £1k-£750k, factor 1.06-1.20, repaid from sales
- Shopify Capital: £200-£1m, repaid as % of daily sales
- Approval based solely on platform sales data
E-commerce Lenders (2025)
- iwoca: £1k-£200k, integrates with Shopify/WooCommerce
- Funding Circle: £10k-£500k for established e-commerce (2+ years)
- Kriya: Revenue-based for online sellers
Cost Comparison
£30,000 for Black Friday stock purchase:
- Inventory Finance (2% per month, 3 months): £1,800 cost
- Business Loan (12% APR, 12 months): £2,040 cost
- Revenue-Based (1.3x cap, 6 months): £9,000 cost
E-commerce Funding Quotes
Specialized e-commerce funding. Inventory finance, revenue-based loans, platform capital compared.
Compare E-commerce Finance