For online sellers and DTC brands
E-commerce Funding
E-commerce funding helps online sellers and direct-to-consumer brands buy stock, fund advertising and grow sales channels, with repayments that can flex with revenue.
Funding Plus compares revenue-based finance, stock finance and loans for Shopify, Amazon and multi-channel sellers.
- Stock and ad spend funding
- Repayments linked to revenue
- Decisions using your sales data
Reviewed by the Funding Plus team · Last updated October 2026
Step 1 of 3 · E-commerce finance
How much do you need?
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Cash Flow Challenges in E-commerce
Online sellers often pay for stock and ads weeks or months before the sales they generate arrive.
Stock bought in advance
Overseas suppliers often want payment months before stock lands.
Ad spend before sales
Marketing must be paid for before it brings in revenue.
Marketplace payouts
Amazon and other marketplaces hold funds before paying out.
Fast growth
Growing sales use up cash faster than profits replace it.
The Best Funding Options for E-commerce Businesses
Revenue-based finance
Repaid as a share of monthly revenue, using your connected sales data.
Trade and stock finance
Pay overseas suppliers upfront and repay once stock sells.
Business line of credit
Ready funds for reorders and peak-season ad spend.
Unsecured business loans
A fixed sum for a new channel, warehouse or system.
Example
A DTC brand preparing for Black Friday
An online homewares brand needs £70,000 for stock and £30,000 for ads ahead of Black Friday. It uses trade finance to pay its supplier in August and revenue-based finance for the ad budget, repaying both from November and December sales.
Illustrative example, not a real customer or a quote.
What Lenders Look For
- Monthly revenue and growth trend
- Gross margin after fulfilment and returns
- Marketing efficiency (return on ad spend)
- Repeat customer rate
- Stock turnover and supplier terms
E-commerce Finance FAQs
Can I get funding through my Shopify or Amazon data?
Yes. Many revenue-based lenders connect to your sales platforms and decide within days.
How much can an online seller borrow?
Often one to three months of revenue, depending on growth and margins.
Is revenue-based finance better than a loan?
It's more flexible but can cost more. If your revenue is steady, a loan may be cheaper.
Can a new online store get funding?
Usually you'll need 6 to 12 months of sales history for revenue-based finance.
Find funding for your e-commerce business
Tell us what you need and we'll match you with lenders that understand your sector.