Business Loans for Retail and eCommerce Stores
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
If you run a brick-and-mortar shop or an online eCommerce store and need funding for growth, cash flow management, or day-to-day operations, a merchant cash advance could be the perfect alternative to a traditional business loan, providing fast, flexible finance to keep your business moving forward.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
Did you know the total value of UK retail sales in 2024 was a staggering £468 billion? Online purchases now account for over a quarter (27.1%) of retail sales, highlighting the rapid growth of eCommerce alongside traditional high street shops.
While online retail continues to thrive due to its accessibility, high street stores still face challenges as they adapt to the digital landscape. If you’re looking to move your operations online or expand your existing channels, we can provide the funding you need.
Even with growing sales, many retailers still face cash flow pressures or struggle to keep up with stock demand. To buy new stock, invest in marketing, or test new strategies, you need access to reliable capital. Without it, your business risks falling behind in an increasingly competitive market.
That’s where a merchant cash advance for retailers comes in. This flexible alternative to a traditional business loan provides UK retail businesses with fast, accessible funding. Unlike conventional loans, repayments are made as a percentage of your card sales each month, making it easier to manage cash flow and adapt to seasonal fluctuations.
We work with both national and independent retailers, from established high street shops to online startups on platforms like eBay, Amazon, Etsy, and Shopify. Whatever your retail business, we can help you secure the funding you need — quickly, easily, and hassle-free.
Apply NowQuick Decision with No Obligation
A retail or eCommerce business loan is a type of finance designed for high street shops and online stores in the retail sector. These loans can help businesses manage cash flow, purchase stock, upgrade equipment, or cover other operational expenses. Whether you run a small brick-and-mortar shop or an online eCommerce store, this funding provides the capital needed to grow.
A merchant cash advance is a flexible alternative to a traditional retail business loan that works alongside your customer debit and credit card sales. Every time a customer makes a purchase in your high street store or online eCommerce shop, a small percentage of that sale is automatically used to repay the loan.
If managing fixed repayments has held you back from seeking finance, a merchant cash advance could be the perfect solution. There are no fixed monthly payments, you only pay back what your business can afford, as repayments adjust with your cash flow.
This makes merchant cash advances ideal for seasonal retail businesses. Whether you experience a January sales boost, a summer rush, or a busy Christmas period, repayments naturally fluctuate during quieter months, removing the stress of managing cash flow when sales are slower.
We provide funding for any retail business that accepts card payments, whether online or in-store. From small e-commerce startups to well-established retailers, our finance solutions are designed to support a wide variety of businesses across the retail sector, including:
Yes, all retail and eCommerce startup businesses that have been trading for at least 3 months are welcome to apply for business finance.
Our retail funding can reach your account in as little as 24 hours* with no business plan or lengthy paperwork. Whether it’s for an unexpected expense or an emergency cash-flow issue, we can help you get back on track within hours, not weeks.
Yes. Even with a poor credit history, you can still access funding through a merchant cash advance. Unlike traditional banks, which may decline applications based on low credit scores, a merchant cash advance evaluates future card sales and cash flow, rather than relying solely on your credit rating.
Absolutely! If you use PayPal to accept card payments from customers through your own eCommerce website or if you use platforms like eBay, Etsy or Shopify, we can help you raise the funding you need.
Yes, we can help Amazon sellers access a small retail business loan. Running an Amazon Central store comes with its own cash flow challenges, and a merchant cash advance based on your card sales can provide the funding you need to maintain stock levels and keep products flowing to your customers.
Unfortunately, we can't help pop-up shops at this time. Due to the short-term nature of pop-up shops (lasting anywhere from a single day to a few months) and unpredictable card sales, a merchant cash advance is not a suitable financing option.
Applying for retail finance is a quick and straightforward process - all you need to do is complete our online application form. After we’ve collected a few basic details - we’ll do the rest! We’ll send you your free, no-obligation quote.
Quick Decision with No Obligation
"We have helped many retailers across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
