Lendus.

Ecommerce Business Loans

From stock ahead of Black Friday to warehouse space, fund your online business with confidence. Lendus compares 200+ lenders so you can focus on sales, not the finance.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£5k – £500k

Average Loan

£60k

for ecommerce

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Revenue-Based Finance

Rate
Factor rate 1.1 – 1.4
Term
3 – 18 months
Security
Repaid as a percentage of online sales revenue
Best for
Fast, flexible funding that flexes with sales made through a marketplace or online store

Stock Finance

Rate
8.9% – 26.9% APR (structured as a facility or loan)
Term
3 – 24 months
Security
Secured against the stock purchased
Best for
Buying inventory ahead of Q4 and Black Friday demand without depleting working capital

Unsecured Business Loan

Rate
7.9% – 29.9% APR
Term
1 – 5 years
Security
No security required
Best for
Marketing spend, warehousing or fulfilment costs, and building out a website or platform

Representative example

Borrow £60,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£1,933. Rates depend on your circumstances and the type of loan.

Market context

UK ecommerce businesses range from single-founder Amazon and Shopify sellers to larger multi-channel retailers. Because stock needs to be bought and paid for well ahead of peak sales periods such as Black Friday and Christmas, many online sellers plan their financing around building inventory several months before the revenue from that stock is realised.

Common challenges

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Bad credit?

Several of our 200+ lenders work with ecommerce businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Frequently asked questions

How is revenue-based finance different from a merchant cash advance?
Revenue-based finance works on a similar principle to a merchant cash advance, repaid as a percentage of ongoing sales rather than a fixed monthly amount, but it is designed around online and marketplace revenue rather than card-terminal takings. Lenders assess it using your platform, payment processor, or bank sales data instead of card machine statements, which suits businesses that sell primarily through a website or marketplace rather than in person.
Can I get finance to buy stock ahead of Black Friday and Christmas?
Yes, stock finance is specifically designed for this, letting you buy inventory several months ahead of your peak selling period without draining working capital you need for day-to-day running costs. Lenders will typically want to see your sales history from previous peak periods and a clear order plan with your supplier to assess how much stock funding makes sense. Ordering and financing stock early also reduces the risk of running out during the peak trading window.
Does relying on Amazon or another marketplace affect my ability to borrow?
Lenders factor in platform dependency when assessing an ecommerce business, since a suspended account is a real operational risk. Diversifying across more than one sales channel, or having a track record of resolving account issues quickly, both support a stronger application. It does not rule out finance, but it is a factor lenders will ask about. Keeping account health metrics in good standing is also something lenders may ask about.
What can I use an ecommerce business loan for besides stock?
Beyond stock purchases, common uses include advertising and marketing spend to drive sales, warehousing or third-party fulfilment costs, and building or upgrading your website or store platform. An unsecured business loan is typically used for these general working capital needs, while stock-specific funding is better suited to inventory purchases. Lendus can compare these general working capital options against stock-specific funding to find the right combination for your plans.

Equipment finance for ecommerce businesses

Buying a specific machine or vehicle is usually cheaper than a general business loan, because the asset itself is the security. These are the items ecommerce businesses most often fund, with the price range we see quoted in the UK.

Equipment Typical price range Finance page
EPOS System £600 to £40k EPOS System finance
Server £3k to £60k Server finance
AGV Robot £20k to £160k AGV Robot finance
Container Handler £90k to £280k Container Handler finance
Conveyor Belt System £15k to £250k Conveyor Belt System finance
Dock Leveller £4k to £15k Dock Leveller finance
Order Picker £8k to £35k Order Picker finance
Robotic Palletiser £45k to £220k Robotic Palletiser finance
Side Loader £25k to £90k Side Loader finance
Spiral Conveyor £25k to £150k Spiral Conveyor finance
Stacker Truck £3k to £15k Stacker Truck finance
VNA Truck £25k to £70k VNA Truck finance

Browse all equipment finance pages

Understand the loan structures

The table above shows what a ecommerce business borrows for. These pages explain how each kind of borrowing actually works, what it costs and who it suits.

Business loans for bad credit Government-backed business loans Merchant cash advance Revolving credit facilities Business loans with no personal guarantee Secured business loans Start up business loans Unsecured business loans

Related industry loans

Retail Marketing Agency IT Services

Guides and resources

How to Get a Business Loan Business Loan Eligibility Secured vs Unsecured Best Business Loans UK iwoca Review Funding Circle Review

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