Finance for Retail & Ecommerce

The right funding
for your business.

Specialist finance for high-street retailers, multi-site operators, ecommerce brands and Amazon sellers — matched to your business, arranged through FCA-regulated brokers.

£100k+Minimum structured loan
From £5kMerchant cash advance
From £15kFlexible credit facility
Zero feesPaid on completion only

Three Products

Funding built around how
retail and ecommerce trade.

Whether you're funding a store fit-out, buying stock ahead of Q4, or bridging the gap between an Amazon payout and your next supplier invoice — we have a solution to match.

Structured Loan

Fixed-Term Business Loan

Purpose-built fixed-rate loans for retail premises, showrooms and warehousing — leasehold or freehold. Ideal for acquisition, fit-out, expansion or refinancing at a size and term high-street banks rarely accommodate.

  • From £100,000 — leasehold and freehold
  • 36 or 60 month fixed-rate repayment
  • Interest-only period option, then full repayment
  • Acquisition, fit-out, expansion or refinance
  • Short leaseholds and first-time operators considered
Enquire
Cash Advance

Merchant Cash Advance

A revenue-based advance that repays automatically as a percentage of your takings — in store, through your online checkout, or against your Amazon and eBay settlements. No fixed monthly payments; it moves with your sales through quiet spells and peak trading alike.

  • From £5,000 based on monthly card or marketplace turnover
  • In-store terminals, online checkouts and marketplace payouts
  • Amazon FBA and FBM sellers considered on settlement history
  • Repayments flex with revenue — slower week, pay less
  • No fixed term — repaid as a share of takings
  • Often funded within 24–72 hours of approval
  • Typically unsecured — any business structure
Enquire
Credit Facility

Flexible Credit Facility

A revolving credit line you draw from as and when you need it — well suited to stock purchases and seasonal buying. Interest only on what you use, with the drawn amount repaid at the end of the term.

  • £15,000 to £300,000 credit line
  • Terms from 3 to 12 months
  • Draw funds as needed — interest only on amounts drawn
  • No charges on undrawn funds
  • Buy stock ahead of peak trading periods
  • Repay drawn capital early at any time with no penalty
  • Personal guarantee required from directors
Enquire

At a Glance

Which suits your situation?

Three products, different problems solved. Here's how they compare.

Structured Loan

Fixed-Term

Cash Advance

Merchant

Credit Facility

Flexible

Amount
£100,000+
£5,000+
£15k–£300k
Repayment
Fixed monthly capital + interest
% of card or marketplace takings
Interest-only; capital at term end
Term
36 or 60 months
No fixed term
3–12 months
Security
Charge on lease / freehold
Typically unsecured
Personal guarantee
Decision speed
2–4 weeks to completion
24–72 hours typically
Fast — days not weeks
Best for
Acquisition, fit-out, refinance
Stock, working capital, quiet months
Seasonal buying, ongoing drawdowns

The Process

From first call to funds in hand.

Simple and straightforward — we handle the complexity on your behalf.

1

Initial call

A confidential conversation about your requirements, structure and timeline. No obligation and no paperwork at this stage.

2

Product match

We identify the right product — or combination. We're honest if nothing on our panel suits your situation.

3

Terms presented

Clear indicative terms within 48 hours. Costs and structure explained plainly, without jargon or surprises.

4

Completion

We manage through to drawdown — co-ordinating lenders, solicitors and valuers on your behalf throughout.

Eligibility

Do you qualify?

Key criteria for all three products, plainly stated.

Fixed-Term Loan

Structured Loan

  • UK registered limited company
  • Trading at least 24 months
  • Leasehold or freehold premises
  • Retail units, showrooms, warehousing
  • Borrowing £100,000 or above
  • Short leaseholds considered
Cash Advance

Merchant Cash Advance

  • Any structure — Ltd, sole trader, partnership
  • Card payments in store, online or via marketplace
  • c.£5,000+ monthly card or settlement turnover
  • Retail, ecommerce, Amazon and eBay sellers
  • Able to share payment or settlement data
  • Trading at least 6 months
  • Adverse credit considered by some lenders
Credit Facility

Flexible Credit Facility

  • UK registered business
  • Directors able to provide personal guarantee
  • Require £15,000–£300,000 of credit
  • Need to draw funds flexibly over 3–12 months
  • Business purpose — stock, supplier terms, growth
  • Ability to repay drawn capital at term end

Ready to start?

Let's find the right
funding for your business.

Confidential, no-obligation. We'll tell you honestly which product fits.

Start the conversation

Contact

Get in touch.

We respond the same day. No hard sell — just a straightforward conversation about what you need.

CoverageUK-wide