E-Commerce Funding
Revenue-based finance, inventory funding, and growth capital for online retailers and marketplace sellers.
The e-commerce sector moves at extraordinary pace. Whether you sell on Amazon, Shopify, eBay, TikTok Shop, or your own direct-to-consumer website, one constant remains: growth requires capital. Stocking inventory ahead of demand, investing in digital marketing, expanding into new marketplaces, and scaling fulfilment infrastructure all require funding that traditional lenders are often too slow — or too inflexible — to provide.
Aberdeen Corporate Finance works with a specialist panel of e-commerce and revenue-based finance providers to source funding solutions purpose-built for online businesses. As an independent broker, we are not tied to any single funder — we search across the market to find the most competitive terms, fastest turnaround, and most flexible structure for your specific circumstances.
Why E-Commerce Businesses Need Specialist Funding
Traditional banks evaluate businesses on historical profitability, tangible assets, and personal guarantees — criteria that penalise fast-growing e-commerce companies reinvesting every pound into stock and customer acquisition. Many profitable online retailers are turned away by high-street lenders simply because their model does not fit a conventional credit framework.
Specialist e-commerce funders take a fundamentally different approach. They connect directly to your sales platforms, analyse real-time revenue data, and assess your business on its forward trajectory — not just its balance sheet. This means faster decisions, higher approval rates, and funding structures that genuinely align with how online businesses operate.
Through our panel of specialist providers, we regularly secure funding for businesses that have been declined by traditional lenders — often within days rather than weeks.
Funding Solutions We Source
Revenue-Based Finance
Repayments flex with your revenue — pay more when sales are strong, less during quieter periods. Ideal for seasonal e-commerce businesses, revenue-based finance aligns your cost of capital directly with your trading performance, with no fixed monthly obligations.
Fixed Term E-Commerce Loans
Structured term loans from £10,000 to £10 million, designed for established online retailers. Use the funds for inventory purchases, warehouse expansion, technology upgrades, or team growth. Terms typically range from 3 to 36 months with predictable repayment schedules.
Revolving Lines of Credit
Draw down funds as you need them and only pay interest on what you use. A revolving credit facility gives your e-commerce business the flexibility to respond to demand spikes, bulk purchase opportunities, and seasonal stock requirements without reapplying each time.
Merchant Cash Advances
Receive a lump sum advance against your future card sales. Repayments are collected automatically as a small percentage of daily card transactions, making this one of the most frictionless funding solutions for high-volume online retailers.
Inventory & Purchase Order Finance
Fund large stock orders before they generate revenue. Whether you are preparing for peak season, launching a new product line, or fulfilling a major wholesale order, inventory finance bridges the gap between purchasing stock and receiving payment from customers.
Marketing & Growth Finance
Scale your customer acquisition without depleting working capital. Dedicated funding for digital advertising spend, marketplace promotions, influencer partnerships, and brand campaigns — with repayment structures linked to the revenue those campaigns generate.
Funding at a Glance
Minimum Funding
Maximum Funding
Decision Speed
Equity Retained
Key Benefits
Platforms & Channels We Support
Our panel of funders integrates with all major e-commerce platforms and marketplaces. By connecting directly to your sales data, they can assess your business quickly and offer terms based on real trading performance.
Eligibility Criteria
While each funder on our panel has slightly different criteria, the following provides a general guide to eligibility across most e-commerce funding products:
Trading History
Minimum 6 months of trading with consistent online revenue
Monthly Revenue
Typically £10,000+ monthly revenue (some products from £5,000)
Sales Channels
Active on at least one recognised e-commerce platform or own-brand website
UK Business
Registered UK limited company, LLP, or sole trader
Don't meet every criterion? Contact us regardless — we have access to flexible funders who consider applications on a case-by-case basis.
Common Use Cases
Peak Season Stock Funding
Black Friday, Christmas, Prime Day — the biggest revenue opportunities require upfront stock investment. We connect you with funders who release capital in weeks, not months, so you can maximise every peak trading window.
Amazon & Marketplace Sellers
Specialist funding for FBA and FBM sellers. Funders integrate directly with your Seller Central account, using your sales velocity and account health to offer competitive terms — often without requiring traditional financial statements.
Scaling Digital Advertising
Your ROAS is proven, but cash flow constrains your ad spend. Growth finance allows you to invest confidently in Facebook, Google, TikTok, and Amazon PPC campaigns, with repayments linked to the revenue those ads generate.
New Product Launches
Launching a new SKU or product line requires upfront investment in manufacturing, packaging, photography, and marketing. Dedicated launch funding covers these costs and is repaid as the new product begins generating sales.
International Expansion
Entering new marketplaces or geographies demands capital for localisation, compliance, logistics, and marketing. We source funding that supports cross-border growth for UK e-commerce brands expanding into Europe, the US, and beyond.
Supply Chain & Logistics
Negotiate better terms with suppliers by paying upfront, invest in 3PL relationships, or bring fulfilment in-house. Supply chain finance ensures your logistics infrastructure keeps pace with your sales growth.
How It Works
Tell Us About Your Business
Share details about your e-commerce business — your sales channels, monthly revenue, what the funding is for, and your preferred timeline. This initial conversation is free and without obligation.
We Search the Market
We approach our specialist panel of e-commerce and revenue-based funders, presenting your case to identify the most competitive offers. We compare rates, terms, speed, and flexibility to shortlist the best options.
Connect Your Sales Data
Most e-commerce funders use read-only integrations with your sales platforms (Amazon, Shopify, Stripe, etc.) to verify revenue and assess your business — often replacing the need for traditional financial statements.
Receive Your Offer
Within 24–48 hours of connecting your data, you will typically receive a formal funding offer with clear terms, fees, and repayment structure. We walk you through every detail so there are no surprises.
Funds Released
Once you accept the offer and complete a light KYC check, funds are typically released to your account within 1–5 business days. Many funders can release capital within 48 hours for straightforward cases.
Why Use Aberdeen Corporate Finance?
Applying directly to individual funders means you only see what that single provider is willing to offer. Working with Aberdeen Corporate Finance gives you access to the full market — we present your case to multiple specialist e-commerce lenders simultaneously, ensuring you receive the most competitive terms available.
Our service is particularly valuable for businesses that have been declined by banks, are growing rapidly and need funding that keeps pace, or are navigating complex requirements such as multi-channel selling, international marketplaces, or seasonal demand patterns.
As an independent broker, our only incentive is to find you the right deal. We do not favour any particular funder — we recommend the option that genuinely best fits your business.
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. We are not a direct lender and do not make lending decisions. All funding is subject to status, affordability, and the individual criteria of the lending partner. E-commerce funding products are not regulated by the FCA. Aberdeen Corporate Finance Limited is not regulated by the Financial Conduct Authority. The information on this page is provided for general guidance only and does not constitute financial advice.
Ready to Fund Your E-Commerce Growth?
Whether you need £10,000 for a stock order or £10 million to scale across new markets, get in touch for a free, no-obligation conversation about your funding options.
Discuss Your Funding Needs