Funding Built for E-Commerce Growth
Scale your online store with capital designed for the speed and seasonality of digital retail. Fund inventory, ads and logistics without diluting equity.
- ✓ Soft search only — no impact on your credit score
- ✓ Money in your account in about 24 hours
- ✓ Compare lenders with one application
2,400+ businesses fundedNo upfront fees • Free quote in minutesTwo banks told me to come back next year. These guys had the money in my account by Thursday.
Nobody ran a hard search, nobody played games. The offer they showed me is the offer I got.
Bought a second van right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
E-Commerce Business Funding
E-commerce businesses operate in a uniquely capital-intensive cycle: you need to purchase inventory months before peak selling seasons, invest heavily in digital advertising to acquire customers, and manage fulfilment costs that scale with every order. Traditional high-street banks rarely understand this model — they see variable revenue and lean margins, not the explosive growth potential that online retail offers.
Granton Hale specialises in funding e-commerce operators across Amazon, Shopify, WooCommerce and direct-to-consumer brands. We assess your business on sales velocity, marketplace metrics and revenue trends rather than just credit history — and an initial soft search leaves no mark on your credit file. Whether you need to stock up for Q4, launch a new product line or double your ad budget during a winning campaign, we structure funding around your actual cash-flow cycle.
Our e-commerce clients typically receive funding decisions within 6 hours and capital in as little as 24 hours. We offer revenue-based repayment options that flex with your sales volume — so you pay more when business is booming and less during quieter periods, and most deals require no personal guarantee.
The funding gaps we close.
Inventory Cash-Flow Gaps
You need to pay suppliers 60–90 days before products generate revenue. During peak seasons like Black Friday, Prime Day or the Boxing Day sales, this gap can tie up a five- or six-figure sum in upfront capital that most online sellers don't have sitting idle.
Advertising Spend Pressure
Profitable ad campaigns require immediate scaling — waiting for high-street bank approval while your competitors bid up CPMs means lost market share. You need capital that moves as fast as your media buying.
Platform Payment Delays
Amazon holds reserves for 14+ days, Shopify Payments batches settlements, and chargebacks can freeze funds unexpectedly. These delays create cash crunches even when sales are strong.
Fulfilment and 3PL Costs
Scaling from self-fulfilment to a 3PL or upgrading warehouse capacity requires significant upfront investment. Storage fees, courier contracts, and packaging costs compound quickly as order volume grows.
Funding built for your work.
Repay as a fixed percentage of daily sales — payments automatically adjust to your revenue volume, ideal for the variable cash flows of online retail.
Fast-access capital for inventory purchases, ad spend and operational expenses with terms from 3 to 18 months.
Draw funds as needed for inventory restocks or campaign scaling, and only pay interest on what you use.
Convert outstanding B2B wholesale invoices or marketplace receivables into immediate cash without waiting for payment terms.
Your funding in three steps
Apply online
- 60-second form, plain questions
- Soft search only — no score impact
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Purchase 3–6 months of inventory ahead of Black Friday, Prime Day or the Christmas rush to capture maximum sales volume.
When you find a profitable Meta or Google Ads campaign, deploy capital immediately to scale spend before competitors catch up.
Fund product development, initial manufacturing runs, photography and launch marketing for new SKUs.
Cover the upfront costs of listing on Amazon EU, eBay or TikTok Shop — including compliance, localisation and initial inventory.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Do you fund Amazon FBA and Shopify stores?+
Yes. We fund sellers on Amazon (FBA and FBM), Shopify, WooCommerce, BigCommerce, Etsy, eBay and direct-to-consumer brands. We connect to your seller dashboard to assess sales velocity and account health as part of our underwriting.
02Can I use funding specifically for advertising?+
Absolutely. Many of our e-commerce clients use funding primarily for scaling paid acquisition on Meta, Google, TikTok and Amazon PPC. We understand that ad spend is an investment in revenue growth, not just an expense.
03How does revenue-based repayment work for online sellers?+
A small fixed percentage of your daily sales is automatically remitted as repayment. On high-sales days you pay more; on slow days you pay less. This structure prevents the cash-flow stress of fixed monthly payments during seasonal dips.
04What if my e-commerce business is less than a year old?+
We work with businesses that have at least 6 months of trading history and £10K+ in monthly revenue. For newer businesses with strong traction, we assess marketplace metrics, growth trajectory and unit economics rather than requiring years of accounts filed at Companies House.
Related industries
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online