Revenue-Based Finance for Retail & E-Commerce
E-commerce and retail brands need capital to fund inventory, marketing, and growth — but giving away equity for a stock purchase feels wrong. Revenue-based finance provides the capital you need, repaid as a percentage of your sales, so funding costs are directly linked to your performance.
RBF providers integrate with Shopify, Amazon Seller Central, WooCommerce, and other platforms to verify your revenue in real time. This means fast decisions (often 24-48 hours) and funding amounts that reflect your actual sales trajectory, not a bank manager's opinion.
Key Benefits
- Fund stock purchases and marketing campaigns for peak seasons
- Repayments reduce during quieter trading periods
- No personal guarantees or property security required
- Integrates with Shopify, Amazon, WooCommerce, and more
Frequently Asked Questions
Is it available for marketplace sellers?
Yes. Amazon FBA sellers, eBay sellers, and marketplace-only businesses can access RBF. Providers connect to your seller account to verify sales history and project repayment capacity.
Can I use it to fund a product launch?
Absolutely. Many e-commerce brands use RBF to fund initial inventory for new product lines, supported by their existing sales track record on other products.
What happens during seasonal dips?
Repayments are a percentage of revenue, so they automatically reduce when sales are lower. This is one of the key advantages over fixed-payment loans for seasonal retail businesses.
Do I need to be profitable to qualify?
Not necessarily. RBF providers focus on revenue trajectory and gross margins rather than bottom-line profitability. A growing business reinvesting in stock and marketing can still qualify.
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Open calculatorRelated Funding Options
Revenue-Based Finance UK
Growth capital repaid as a percentage of your monthly revenue. Non-dilutive funding for UK businesses. No equity, no property security.
Merchant Cash Advance for Retail Businesses
Fund stock purchases, store refits, and marketing with an MCA repaid through your card sales. Flexible finance for UK retailers.
Stock Finance for Retailers
Fund inventory purchases without tying up cash. Stock finance for UK retail businesses — high street and online.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.