Keep Your Shelves Full and Your Cash Flowing
Retail businesses need stock to make sales. We provide the working capital to buy inventory, expand locations, and invest in your growth.
£400bn
UK retail sector value
300,000+
Retail businesses
3 to 12 months
Average stock finance term
24 to 48 hours
MCA funding speed
Whether you run a high street shop, an online store, or both, retail is all about timing. You need to buy stock before you sell it, invest in seasonal inventory, and sometimes wait weeks for supplier credit terms. The right finance keeps your business moving without putting pressure on cash flow.
Common Challenges in Retail
Seasonal stock purchases
Christmas, Easter, Black Friday. You need to buy stock months before peak trading.
Supplier payment terms
Many suppliers require upfront payment or short credit terms, especially for new accounts.
Online competition
Investing in e-commerce, delivery, and marketing requires capital upfront.
Premises and fit-out
Retail space needs to look good. Refurbishments and new locations are expensive.
Finance Solutions for Retail
We work with specialist lenders to find the right product for your business.
Merchant Cash Advance
Ideal for retailers with card terminals. Repay from daily sales.
Learn moreStock Finance
Purchase inventory ahead of peak season without draining cash reserves.
Learn moreRevenue-Based Finance
For online retailers with monthly recurring revenue.
Learn moreUnsecured Business Loans
Fixed-term funding for refurbishment, marketing, or expansion.
Learn moreGet a Free Retail Finance Quote
Tell us what you need and we will match you with the best lenders for your business. No obligation, no credit check.
Get matched with the right lenders
Tell us a little about your business and we will match you across our UK lender panel. No fee to search, no obligation.
Frequently Asked Questions
Can I get finance to buy stock for a seasonal peak?
Yes. Stock finance is specifically designed for this. You borrow to purchase inventory and repay once sales come through. Some lenders offer revolving facilities so you can draw down and repay repeatedly.
Is a merchant cash advance suitable for online retailers?
Some MCA providers work with online payment processors as well as physical card terminals. If you take payments through Stripe, PayPal, or Shopify, you may still be eligible.
Related Sectors
Ready to Get Funded?
Whether you need working capital, equipment finance, or property funding, we can connect you with the right lender in days, not weeks.