E-commerce Guide

E-commerce Business Funding UK 2025

Best funding for online stores: YouLend (Shopify/Amazon), iwoca (best rates), inventory financing. £5k-£500k for stock, ads, and growth. Shopify/Amazon/eBay sellers explained for your expansion.

£5k-£500k

Funding range

1.08x

Best rates

24hrs

Approval time

80%+

Approval rate

Best E-commerce Funding Providers

YouLend

Best for Shopify/Amazon Sellers

#1 CHOICE

Perfect for:

Shopify, Amazon FBA, eBay, marketplace sellers

Integration:

Connects directly to platform, pulls sales data automatically

Factor:

1.10-1.35x

Amount:

£5k-£500k

Speed:

24-48 hours

iwoca

Best Rates for E-commerce

Perfect for:

Any online store wanting lowest cost

Factor:

1.08-1.25x (saves £3k-£7k vs YouLend on £50k)

Speed:

24 hours

Min Revenue:

£3,000/month (lower than YouLend's £8k)

Amazon Lending

For FBA Sellers Only

Available to:

Invite-only Amazon FBA sellers

Rates:

Competitive (similar to iwoca)

Limitation:

Can only use on Amazon inventory

E-commerce Funding Use Cases

Use Case 1: Inventory for Q4

Need £60k for Christmas stock in September. Sell through by December. Repay by January.

Best option:

YouLend or iwoca MCA (8-9 month repayment, done by March)

Use Case 2: Facebook/Google Ads Budget

Need £20k for paid advertising to scale.

Best option:

iwoca (lowest cost) or YouLend (faster for Shopify stores)

Use Case 3: Amazon FBA Inventory

Amazon seller needing £100k for FBA stock.

Best option:

Amazon Lending (if invited) or YouLend (Amazon integration)

Shopify Store Owners: Special Notes

YouLend integration advantages:

One-click connection to Shopify

Auto-pulls sales, refunds, disputes

Instant offer based on real data

No manual statement upload needed

However: iwoca's better rates (1.08x vs 1.10x) save £1,000-£5,000. Worth manual upload for the savings?

Conclusion

YouLend if: Heavy Shopify/Amazon user, value seamless integration

iwoca if: Want best rates, can handle manual application

Both if: Smart - apply to both, choose best offer for your growth plans

E-commerce Funding Quotes

Compare YouLend, iwoca, inventory finance

Best rates for online stores • £5k-£500k available

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Frequently Asked Questions

What is the best funding for e-commerce businesses?

Best depends on your platform. YouLend is best for Shopify/Amazon sellers due to seamless integration. iwoca offers best rates (saves £3k-£7k on typical £50k funding) but requires manual application. Apply to both for best rate.

Can I get funding if I sell on Amazon FBA?

Yes! YouLend has Amazon integration, pulling sales data automatically. Amazon Lending is also available (invite-only) with competitive rates but can only be used on Amazon inventory.

Do I need good credit for e-commerce funding?

No! MCAs from YouLend and iwoca focus on sales performance, not credit score. 80%+ approval rate even with poor credit if you have £3k+/month revenue.