E-commerce Finance

Running an online store? Access the funding you need to stock up, scale your marketing, or launch new products - without the pressure of fixed monthly repayments. Choose from flexible finance options built for e-commerce, with fast, hassle-free access.

WHAT IS REQUIRED

Open banking connection

Connection to your payment processor

Directors details

WHY CHOOSE IT?

Tailored for Online Businesses

Flexible Repayments

Fast Access to Funds

Sales-Based Funding

Fast, flexible finance designed for online sellers.

Whether you sell through your own site, Shopify, or Amazon, e-commerce funding gives you access to capital based on your online sales – so you can grow your business without interrupting cash flow.

What is E-Commerce Funding?

E-commerce funding includes a range of options tailored to online sellers, from fast and low-cost cash advances to flexible credit lines. These products are designed to work with the way you sell and receive payments online.

There are three main options:

1. Cash Advance Linked to Online Sales

A cash advance is based on your recent online turnover (typically 1–2 months' revenue). Funds are repaid automatically from a percentage of future sales.

No fixed repayment schedule – pay back as you earn
Ideal for smoothing cash flow or funding stock & marketing
Works with platforms like Stripe, PayPal, and Shopify

2. Line of Credit

For high-growth online sellers, a flexible credit line gives you access to funds when needed, with repayment terms of up to 18 months.

Draw down what you need, when you need it
Only pay interest on what you use
Great for managing seasonal swings or reinvesting in growth

3. Amazon Seller Funding

Tailored specifically for Amazon sellers with £10,000+ in monthly revenue.

Order inventory ahead of seasonal demand
Boost your marketing to increase Buy Box visibility
Improve cash flow with structured repayments

Is E-Commerce Funding Right for You?

If any of these sound familiar, then E-commerce funding may be a great fit for your business:

Your online sales are growing fast, and you need funding that can keep up
You sell through platforms like Amazon, Shopify, or eBay and want finance that fits how you operate
You're ready to stock up for peak periods, launch a new product, or scale your ad spend — but cash flow is holding you back
You'd rather repay from future sales than commit to fixed monthly payments

What You'll Need to Apply

Requirements vary by product, but usually include:

Connect to your payment processor or e-commerce platform
Open banking connection
Director and business details

Decisions can be made quickly, with funding often available in under a week.

FAQs

Who is eligible for E-commerce Funding?

E-commerce businesses with a proven track record of online sales for the past 6 months. Typically, a lender will look support businesses with consistent revenue, and a well-established online presence.

How much funding can I apply for?

The amount you can apply for depends on factors like your sales history, revenue, and business needs. We have lenders that offer flexible funding options that can range from £10,000 to £10m, based on your requirements.

What are the repayment terms for E-commerce Funding?

Repayment terms vary depending on the type of funding and the amount provided. Options typically range from 3-18 months, with tailored repayment plans to fit your cash flow.

How quickly can I access the funds?

An application usually takes 2-3 days to be assessed. Once your application is approved, funding can be provided within as little as 24-48 hours. This ensures that you can take advantage of opportunities or address urgent business needs without delay.

Do I need to provide collateral?

In most cases, no collateral is required for e-commerce funding. Your business's performance and potential to repay the loan is assessed, meaning you won’t need to risk your assets. In most cases, a personal guarantee is also not required.

Can I use the funding for marketing?

Yes, e-commerce funding can be used for various purposes, including digital marketing campaigns, social media advertising, search engine optimization (SEO), and paid search ads to drive traffic to your online store.

What’s the difference between E-commerce Funding and traditional bank loans?

Unlike traditional bank loans, e-commerce funding is more flexible, faster, and typically easier to access. The focus is on your business’s sales performance, trends, and potential, not just credit scores or collateral.

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We know business finance so you don't have to.

Choice Loans is a broker, not a lender. We will connect you with a lender suitable for your needs or, if appropriate, a specialist broker. We do not charge you an upfront fee but, if your application is successful, a broker commission may be charged.