Revenue Based Finance

Market Place Lenders        

Many ecommerce founders receive funding offers directly from the platforms they use.

These include:

  • Amazon Lending

  • Shopify Capital

  • Stripe Capital

  • PayPal Working Capital

How It Works

  • The platform analyses your sales history

  • You receive a pre-approved offer

  • Repayments are taken automatically as a percentage of sales

When It Works Well

  • You need fast access to stock funding

  • You want minimal paperwork

  • You have strong, consistent platform sales

Things to Consider

Platform funding is convenient — but it isn’t always the most cost-effective or strategically structured option.

We help you:

  • Compare offers

  • Assess true cost

  • Decide whether platform funding is the right move

  • Explore alternatives if needed

Just because it’s pre-approved doesn’t mean it’s optimal.

Independent Ecommerce Lenders

Independent ecommerce lenders provide revenue-based facilities specifically designed for scaling brands.

These lenders analyse:

  • Shopify or Amazon performance

  • Stripe revenue

  • Advertising metrics (Meta / Google ROAS)

  • Gross margins

  • Inventory cycles

Examples in the UK and Europe include:

  • Uncapped

  • Wayflyer

  • Outfund

  • Silvr

How It Works

  • Lump sum advance

  • Agreed repayment cap (e.g. 1.3x–1.6x)

  • Fixed percentage of monthly revenue until repaid

Best For

  • Inventory expansion before peak season

  • Scaling paid ads

  • Increasing minimum order quantities (MOQs)

  • Managing VAT spikes

  • Rapid growth brands (£500k+ turnover typically)

These facilities are often larger and more growth-focused than platform funding.

We help structure these correctly to avoid over-stretching your revenue share.

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Merchant CashAdvance

If your ecommerce brand also operates a physical store, pop-up shop, or showroom, Merchant Cash Advance (MCA) can be an additional funding option.

How It Works

  • Advance based on card machine turnover

  • Repayments taken daily or weekly as a percentage of card sales

  • Fixed total repayment amount

Suitable For

  • Omnichannel brands

  • Retail-led ecommerce businesses

  • Seasonal stock purchases

  • Short-term working capital gaps

Because repayments flex with card revenue, this can reduce fixed monthly pressure — particularly for retail-driven businesses.

However, it’s important to structure this carefully to avoid stacking multiple advances that consume too much daily revenue.