Business Loans for Retail Shops & Online eCommerce Stores

Get £3k to £300k within 24 hours

  • Pay back through your future card sales
  • Unsecured – there’s no worry
  • Same day funding in to your business
Apply Now

Quick Decision with No Obligation

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Supporting British Businesses

Retail funding made easy

Operating a successful retail business - whether you’ve got a shop or an online eCommerce store, can be financially draining. With so many moving parts, it’s hard to keep your plates spinning. A business loan could be the retail funding solution you need.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick desicion and process mean you can access your money in just 24 hours after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

Apply Now

Quick Decision with No Obligation

Fast finance to grow your retail business

Did you know, the total value of UK retail sales in 2019 was a staggering £394 billion? The industry continues to grow and experienced an average annual growth of online retail sales of 10% in 2019.

It’s not surprising that online retail sales continue to grow - it’s accessible for many. It is a different story altogether for high street stores, who battled a tough year in 2019. High street retailers are continuing to face challenges to move their operations online. We can support you while you’re making this shift.

We’re all buying more - but that doesn’t mean that you won’t still experience cash flow problems, or issues keeping up with stock demand in your retail business. Your commerce business must operate and function effectively, that you can take calculated risks - from buying new stock to experimenting with new marketing strategies. Without available capital, you run the risk of falling behind.

Although the UK retail sector is growing each year, it is a fiercely competitive and saturated market to flourish in. That’s why we’ve helped many small retail businesses grow with a merchant cash advance. Sometimes known as a business cash advance, this funding option is a fast solution for UK retail businesses.

This flexible alternative finance differs wildly from traditional business loans. Instead of fixed monthly repayments, you make repayments as a percentage of card sales each month until the loan is fully repaid.

We work with both national and independent retailers - high street or online stores. We’re confident we can help you secure that much-needed cash injection for your business - quickly and hassle-free.

Apply Now

Quick Decision with No Obligation

Customer shopping online and purchasing goods with credit card

How can I spend my retail business loan?

  • Buying stock in bulk or purchasing seasonal goods
  • Gives you financial support/help bridge cash flow issues when business is slow
  • Pay tax on time
  • New retail equipment and shopfitting supplies
  • Point of sale (POS) displays or new signage
  • Marketing or online advertising campaigns to increase your shops footfall
  • Premises renovations, refurbishments or expansions (high street or eCommerce store)
  • Training and recruiting new staff and retail workers
  • Unplanned expenses (for example, emergency repairs)

A merchant cash advance is a type of retail business loan that works with alongside your customer debit and credit card sales. This means that whenever a customer purchases something from your high street or eCommerce store, a percentage of that sale will be used to repay the loan automatically.

If you’re worried about managing repayments, an advance might be the perfect solution for you. With no fixed monthly repayments to worry about, this alternative finance product removes that stress from your shoulders. You’ll only ever have to pay back what you can afford as the repayments coincide with your cash flow!

Gone are the days where you worry about a slow month for your retail business - your repayments will fluctuate with your cash flow. That’s why a business cash advance is great for seasonal companies - you might have January sales rush, summer rush and a Christmas rush - but what about the other times of the year?

Any retail business that takes card payments from customers either face to face or online, we can help! We work alongside all kinds of retailers - from startups to established businesses in the majority of sectors, including:

  • Clothing, Fashion and Footwear
  • Entertainment
  • Food
  • Health and Beauty
  • Homeware and Furniture
  • DIY and Garden centres
  • Sports and leisure
  • Technology and Electronics

As we’ve stated previously, we don’t just work with national retailers - we help secure finance for small fashion boutiques and independent retailers throughout the UK.

The list goes on, still not sure if we can help you? Contact us today.

We understand that being a retailer can be busy and stressful, and you have limited time to spare. You could secure funding in as little as 24 hours - how? There’s no lengthy paperwork, or business plan to submit - this means the process is fast and stress-free!

We can solve your emergency cash-flow issue - helping you get back on track within hours - not weeks.

If you’ve had credit applications refused previously - don’t worry, a merchant cash advance is accessible and affordable. Bad credit can pose too much of a risk for some banks and lenders - but not here.

If you have a poor credit rating, you can still apply.

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.

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.

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.

Apply Now

Quick Decision with No Obligation

Funding Britain's Small Businessses

"We have helped many retailers across the UK receive funding to grow"


£7+ Million
Total Funded to Businesses



90%
Application Approval Rate


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It's as easy as 1-2-3!

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.

Step 1 - Apply online in minutes

1

Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours

2

Get funded in 24 hours

The merchant cash advance can be with you in as little as 24 hours after approval.

Step 3 - Pay back only when you sell to your customers

3

Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation