01
Inventory cash gap
Include production deposits, freight, duty, fulfilment and returns before deciding the amount required.
Ecommerce
Growth capital for online brands.
Funding for Shopify, Amazon, DTC and marketplace sellers. Repayments that move with order volume, calibrated to the unit economics that actually drive your P&L.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Fund contribution margin, not revenue alone
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Paid acquisition
Use contribution margin after advertising, discounts and refunds when testing whether growth spend can service funding.
03
Platform concentration
A single marketplace or payment processor can create payout and account risk that should be visible in the plan.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Platform payout reports
- Business bank statements
- Inventory and purchase-order schedule
- Contribution margin and return-rate summary
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01What is the cash conversion cycle from deposit to payout?
- 02Does growth remain profitable after advertising and returns?
- 03Can the business carry repayment if a platform delays settlement?
Online retail is bought twice, once with inventory, once with paid acquisition. Capital that lands quickly and prices off contribution margin lets you compound both faster than a fixed-rate facility ever could.
We work with DTC brands, Amazon sellers, marketplace operators and Shopify-native businesses across the UK. Underwriting reads platform payout history and ad spend ROAS, not just bank averages.
Typical use cases
- Inventory buy-ins ahead of Q4 and BFCM
- Paid acquisition and creative scaling
- Marketplace expansion (Amazon, eBay, TikTok Shop)
- 3PL deposits and warehousing
- Tech stack and platform migration
- Hiring growth and ops talent
Useful reading
Go deeper before you decide.
Practical guide8 min read
7 business funding options for fast UK growth plans
Seven UK funding routes for SMEs planning fast growth, what each is best for, what it costs, how quickly it deploys, and where each fits in a growth plan.
Practical guide5 min read
What is revenue based financing? A UK SME explainer
Revenue based financing, in plain English: how repayments flex with cash receipts, who it suits and how to size a facility against trading.
File based
Review timing
£5k–£5M
Facility size
Open Banking
Verification
Clear
Written terms
Funding most suited to ecommerce
Revenue based financing
Repayments calibrated to revenue. Built for DTC and marketplace economics.
Learn moreMerchant cash advance
Advance against card and PSP settlement. Repay as a small share of receipts.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned spend.
Learn moreFrequently asked
Do you fund Amazon and Shopify sellers?
Yes. We read platform payouts (Shopify Payments, Stripe, Amazon, PayPal, Klarna) alongside your business bank account through Open Banking.
Can funds be used for ad spend?
Yes, paid acquisition, creative production and influencer spend are common uses.
What if revenue is concentrated in one quarter?
Seasonality is the norm in ecommerce. Revenue based financing is designed for it, service rises in peak months and eases off-peak.
Do I need to share Shopify or Amazon analytics?
Not required, but helpful. We can verify through Open Banking alone for most files.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility