Is MCA available for online-only retailers?

Yes. If you process card or online payments through providers like Stripe, PayPal, or Shopify Payments, you can qualify for a merchant cash advance based on your transaction volume.

Can I get stock finance for a large seasonal order?

Yes. Trade finance and working capital loans are commonly used to fund bulk stock purchases before peak seasons like Christmas, Black Friday, or summer.

How much can a retail business borrow?

From £10,000 to £10m, depending on turnover and trading history. Most retail businesses we work with borrow between £15,000 and £250,000.

Do I need to provide security or a personal guarantee?

For unsecured loans up to £500,000, no property security is needed. Some lenders may require a personal guarantee depending on the amount and business profile.

Retail & E-commerce Finance

Business Finance for Retail & E-commerce

Seasonal cash flow gaps and stock purchasing are the two biggest challenges for retailers. MCA and working capital facilities are built for exactly this.

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What retail & e-commerce businesses use finance for

Pre-purchasing stock for peak seasons

Funding an e-commerce platform build

Covering costs during slow trading months

Refitting a shop or warehouse

Investing in marketing and advertising

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Apply takes 60 seconds. No credit impact. We'll match you with the best lender for your retail & e-commerce business.

FAQ

Business Finance for Retail & E-commerce

Most popular finance for retail & e-commerce

Merchant Cash Advance

Working Capital Loans

Asset Finance

What retail & e-commerce businesses use finance for

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Frequently asked questions, retail & e-commerce

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