Why ecommerce finance
Funding that moves at the speed of your store
Advance on your sales
Draw a lump sum against your future revenue, read straight from your Amazon, Shopify or payment data.
Buy stock ahead of peak
Fund the bigger purchase order for Black Friday, Christmas or a launch, then repay as it sells through.
Keep your equity
This is finance, not investment. No shares, no warrants, no board seats. The business stays yours.
Fuel your ad spend
Put funding behind the campaigns that are working and scale while the return is there, not months later.
Scales as you grow
As your revenue climbs, so does the funding available. No need to renegotiate from scratch each time.
Decisions in 24 hours
Connect your sales data and get a decision fast, with far less paperwork than a traditional loan.
Ways to fund an online business
Revenue-based finance
A lump sum repaid as a share of your sales. It flexes with your trading and needs no fixed monthly payment, which suits income that moves with seasons and ad spend.
- Repaid as a percentage of revenue
- One clear fixed fee
- Often no personal guarantee
Stock and inventory finance
Funding to place larger purchase orders ahead of demand. Buy the stock for peak, then repay as it sells through, without tying up your own cash.
- Fund bigger purchase orders
- Built around your sell-through
- Ideal for seasonal ranges
Working capital and MCA
Flexible cash for day to day running, or an advance repaid through your card and online takings. Useful for bridging the gap between payout cycles.
- Smooths payout gaps
- Repays with your takings
- Fast to arrange
Built for these online sellers
Ecommerce finance works best where sales run through online channels and payment providers that lenders can read directly.
Useful resources
Related at Funding Flow: merchant cash advance, working capital loans, business loans.
Official references: gov.uk VAT for online sellers, Bank of England base rate.
Frequently asked questions
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