TYPES OF FUNDING

Revenue Based Finance

Funding that flexes with your sales. Repay as a share of revenue, so payments rise and fall with your trading

Repayments that move with your revenue

OVERVIEW

Ideal for businesses with strong, regular card or online sales. Approval is driven by real-time performance data rather than only historic credit scores.

Typically, available to businesses with strong ongoing revenue, with funding decisions often made within a few business days. About typical revenue thresholds and turnaround times.

Check your options

OPTIONS

Flexible Revenue Funding

Revenue Loan

Repaid as a fixed % of monthly revenue

Receive capital upfront and repay automatically as a share of what you ear — lighter in quiet months, faster in busy ones.

Amounts [£10K-£500k]

Repay [x%] of revenue

Data-driven approval

BEST FOR

✔ E-Commerce and online retail

✔ Scaling proven ad spend

Merchant Cash Advance

Repaid from future card takings

An advance against future card sales, repaid as a small slice of each transaction — well suited to card-heavy businesses.

Based on card turnover

Fast Decision

No fixed monthly payment

BEST FOR

✔ Hospitality and retail

✔ Strong daily card sales

E-Commerce Lending Solutions

  • Marketplace 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 E-Commerce 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.

If your eCommerce brand also operates through a physical store, pop-up location, or showroom, a Merchant Cash Advance (MCA) can serve as a flexible additional funding option.

How it works

Funding is provided based on your card machine turnover, with repayments automatically collected as a small percentage of daily or weekly card sales. The total repayment amount is fixed in advance, offering clarity on overall cost from the outset.

Best suited for

  • Omnichannel retail brands

  • eCommerce businesses with in-store sales channels

  • Seasonal inventory purchasing

  • Short-term cash flow or working capital needs

Because repayments adjust in line with card revenue, MCA can help ease pressure during quieter trading periods compared to fixed monthly repayments.

That said, careful structuring is essential to ensure multiple funding facilities are not stacked in a way that places excessive strain on daily cash flow.

Learn more