01
Stock turn
Size funding from landed stock cost, expected sell-through and markdown risk rather than headline retail value.
Retail
Capital that scales with the trading floor.
Funding for independent retailers, multi-site operators and specialty stores. Built for the realities of seasonal stock, supplier terms and unpredictable footfall.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Protect margin through the stock cycle
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Peak concentration
A facility drawn before a seasonal buy should still be affordable if sales arrive later than forecast.
03
Channel mix
Separate store, marketplace and online receipts so the repayment route matches where cash actually lands.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Stock ageing or inventory report
- Card and bank statements
- Gross margin by product line
- Supplier quotations and payment dates
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01How much stock will convert to cash during the term?
- 02What is the markdown assumption?
- 03Would fixed or sales-linked repayment leave more buying headroom?
Retail margins are made before the till opens. Capital landing at the right moment, a deeper buy, a quicker refit, a faster restock, is often the difference between a strong quarter and a missed one.
We fund independent shops, multi-site groups and specialist retailers across the UK. Underwriting weighs trading rhythm and forward order book, not a single credit score.
Typical use cases
- Seasonal stock build for peak and clearance
- Supplier deposits and import duty
- Shop refit, lighting, fixtures and signage
- Opening a new store or pop-up
- POS, EPOS and inventory systems
- Marketing and demand generation
Useful reading
Go deeper before you decide.
Practical guide6 min read
Seasonal business funding for UK trading peaks: how to fund a busy quarter
A practical playbook for funding a UK seasonal peak: sizing the facility, choosing the repayment shape that matches the peak, and getting funds landed before demand does.
Practical guide5 min read
Merchant cash advance vs business loan: eligibility, speed and total cost
MCAs approve faster and with looser credit than traditional loans, but the total cost profile is different. Here's the honest side-by-side.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to retail
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Can pure card-taking retailers use MCA?
Yes. Merchant cash advance is well suited to retailers with consistent terminal volume, repaid as a small share of daily settlement.
Can I fund seasonal stock builds?
Yes. Inventory buy-ins ahead of peak are a common use of our term and revenue-based facilities.
What about retailers with adverse credit history?
Current trading can be considered alongside the wider credit profile, existing commitments and requested facility.
Do you fund e-commerce retailers?
Yes, see our ecommerce sector page for a tailored breakdown.
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