Growth Capital for Vape and Tobacco Retailers
Most lenders avoid your industry. We don't. Get inventory financing, expansion capital and working capital designed for UK vape and tobacco retail.
- ✓ 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.
Vape & Tobacco Business Funding
Vape and tobacco retailers face a familiar problem to other "difficult" industries: despite trading legally, meeting their regulatory obligations and generating strong revenue, most banks and lenders class them as prohibited or high-risk and refuse to extend credit. That leaves shop owners funding everything from personal savings or expensive merchant cash advances — neither of which supports sustainable growth.
Granton Hale Capital works with vape shops, tobacco retailers, shisha lounges and nicotine-product distributors that meet their MHRA notification and trading-standards obligations. We assess your business the way we'd assess any retailer: sales volume, customer frequency, average transaction size and inventory turnover. A vape shop turning over £25K+ a month with loyal repeat customers is a strong, fundable business whatever category the banks put it in — and a soft search means checking your options never dents your credit score.
Our vape and tobacco clients use funding to maintain deep product inventory (devices, e-liquids, premium cigars, accessories), refit store layouts, keep pace with the Tobacco and Vapes Bill and TRPR rules, and open additional sites where local trading conditions allow.
The funding gaps we close.
Lender and Banking Discrimination
High-street banks and Government-backed loan schemes (e.g. the Growth Guarantee Scheme) class tobacco and vape businesses as prohibited industries. Finding card processing, banking relationships and access to capital means working with specialist providers who charge premium rates.
Regulatory Uncertainty
The disposable-vape ban, the Tobacco and Vapes Bill, flavour-restriction proposals, MHRA/TRPR requirements and the incoming Vaping Products Duty create an unpredictable environment. Compliance costs money, and regulatory shifts can make whole product categories unsellable almost overnight.
High Inventory Turnover Requirements
Vape technology evolves rapidly — new devices, pod systems and formulations launch constantly. Maintaining a current, diverse range requires continuous capital that only generates a return as products sell through.
Rising Tobacco and Nicotine Taxes
The Tobacco Duty escalator and the incoming Vaping Products Duty increase acquisition costs and compress margins. Duty due on stock at the point of purchase creates additional cash-flow pressure.
Funding built for your work.
Fund inventory purchases, cover duty obligations, and manage operating expenses in an industry with limited mainstream banking access.
Revolving credit for keeping product fresh — rotate inventory as new devices and flavours launch without depleting operating capital.
Structured financing for shop fit-outs, refurbishments and expansion into additional sites.
Finance display cabinets, EPOS systems, security equipment, and humidors for premium cigar storage.
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 new device launches, e-liquid brands and accessory lines to keep your range current and give customers reasons to return.
Upgrade displays, lighting and layout to create a premium shopping experience that stands apart from convenience stores and petrol stations.
Fund the lease, fit-out, opening stock and compliance costs of expanding into a new market.
Fund age-verification (Challenge 25) technology, MHRA documentation and the compliance systems needed to trade legally under evolving rules.
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 really fund vape shops? Most lenders class us as prohibited.+
Yes. We fund legally trading vape shops, tobacco retailers, shisha lounges and nicotine-product businesses that meet their licensing and MHRA obligations. We don't apply the blanket prohibitions banks use. If you're legal and generating revenue, we'll assess your application on its merits.
02What licensing or registration do I need to qualify?+
You need to meet the rules for your jurisdiction — local trading-standards and age-restricted-sales compliance, MHRA-notified products and, in Scotland, registration on the Tobacco and Nicotine Vapour Products Register. If you're trading with the right permissions and in compliance, that meets our requirements.
03How do regulatory changes affect my funding?+
We track the Tobacco and Vapes Bill, the disposable-vape ban, MHRA rules and duty changes affecting the sector. We structure funding knowing regulation may shift your product mix, and our working capital and lines of credit give you the flexibility to adapt inventory as the rules evolve.
04Can I get funded if I also sell CBD or glass products?+
Yes. Many vape and tobacco retailers carry complementary lines such as CBD, glass accessories and novelty items. As long as everything you sell is legal in your jurisdiction and your core business is a licensed tobacco/vape retailer, those extra lines are no obstacle to funding.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online