eCommerce Business Loans UK | Finance for Online Sellers | eCommerce Funding

eCommerce Business Loans for UK Online Sellers

Whether you need to buy stock, fund marketing, or manage cash flow — we match UK eCommerce businesses with the right lender. Fast decisions, free service, no obligation.

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£500–£750kFunding range

24hrsTypical decision

FreeOur service to you

Business Loans Built for eCommerce

Traditional business loans weren’t designed with online sellers in mind. Fixed monthly repayments, rigid terms and slow decisions don’t fit the reality of running an eCommerce business — where revenue is seasonal, cash flow fluctuates, and opportunities move fast.

At eCommerce Funding, we work exclusively with UK online businesses. We introduce you to lenders who understand your model — whether you sell on your own website, through marketplaces, or both.

What can an eCommerce business loan be used for?

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Stock & inventory — Buy ahead of peak seasons like Black Friday, Christmas or summer without draining your working capital
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Marketing & advertising — Fund Meta, Google or TikTok ad campaigns that generate a return
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Website & technology — Upgrade your store, improve conversion rates or migrate platforms
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Cash flow gaps — Bridge the gap between paying suppliers and receiving customer payments
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Tax bills — Spread VAT or corporation tax payments without disrupting trading
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Expansion — Launch into new markets, add new product lines or open new sales channels

Am I eligible?

Most UK eCommerce businesses can apply. Lenders typically look for:

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UK-registered business (limited company, sole trader or partnership)
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At least 6 months of trading history
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No minimum monthly revenue requirement
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Business owner or director making the application

Even if you have imperfect credit history, there may still be options available — revenue-based lending focuses on your business performance rather than your credit score.

How much does it cost?

Our service is completely free to you. We are a credit broker — we introduce you to lenders and may receive a commission from the lender if funding is arranged. You pay nothing to eCommerce Funding.

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You’re in good hands.

We’ve matched your details against our lender panel. You’ll hear directly from the right lender shortly — no middleman, no fuss.

Types of eCommerce Business Finance

We work with lenders offering a range of products suited to different eCommerce business needs.

Revenue-Based Finance

Repayments flex with your sales — pay more when trading is strong, less when it’s quiet. Ideal for seasonal sellers.

From£1,000Decision24–48hrs

Merchant Cash Advance

Advance against future card sales with no fixed monthly repayment. A percentage of daily takings is collected automatically.

From£1,000DecisionSame day

Fixed-Term Business Loan

Predictable fixed monthly repayments over 1–5 years. Best for planned investments where you know the cost upfront.

Up to£500,000Terms1–5 years

Stock Finance

Finance your inventory and repay as the stock sells. Perfect for buying ahead of peak seasons without tying up cash.

From£1,000RepaymentAs stock sells

Frequently Asked Questions

Many lenders can provide a decision within hours and transfer funds within 24–48 hours of approval. The timeline depends on the lender and how quickly you provide any required documentation.

Yes — many lenders focus on the performance of your business rather than your personal credit score. Revenue-based finance and merchant cash advances are often available to businesses with imperfect credit histories.

This depends on the lender and the product. Many unsecured eCommerce finance products do not require a personal guarantee. We will always make this clear before making any introduction.

We work with businesses of all sizes — from early stage sellers to established multi-channel retailers. There is no minimum monthly revenue requirement to apply.

No. We are a credit broker, not a lender. We introduce UK eCommerce businesses to suitable lenders and may receive a commission from the lender. Our service is completely free to you.