Independent ranking
Best UK business loans for e-commerce and Amazon sellers
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
E-commerce lending depends on where the revenue lives. Marketplace sellers, including Amazon FBA sellers, eBay traders and Shopify stores, have access to embedded RBF; off-marketplace DTC brands rely on mainstream term lenders or stock finance specialists. This FundBiz ranking assesses 5 UK lenders for "best uk business loans for e-commerce and amazon sellers", weighting primarily on marketplace and gateway integration (30%), stock and inventory finance fit (20%), decision speed (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-06-12. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 12 June 2026
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Embedded MCA / revenue-based finance · £1k to £1m · Same day
Pre-approved RBF via Amazon, Shopify, eBay, Just Eat, Deliveroo. Same-day funding.
Read full YouLend review → -
Merchant cash advance and BNPL for SMBs · £1k to £1m · Same day to 48 hours
Embedded MCA via Worldpay / Sage / Klarna; strong on hybrid e-commerce.
Read full Liberis review → -
Flexi-loan / line of credit · £1k to £500k · Same day to 24 hours
Best off-marketplace working capital for DTC brands.
Read full iwoca review → -
Term loan with flex features · £5k to £500k · 24 to 48 hours
Flex-loan features useful for stock-cycle e-commerce where revenue lumps.
Read full Fleximize review → -
Term loan · £10k to £500k · 1 to 3 business days
Mainstream term loans for £100k+ growth investment; clean-credit applicants only.
Read full Funding Circle review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| YouLend | Factor rate 1.06 to 1.45 | £1k to £1m | Same day | Pre-approved RBF via Amazon, Shopify, eBay, Just Eat, Deliveroo. Same-day... |
| Liberis | Factor rate 1.10 to 1.40 | £1k to £1m | Same day to 48 hours | Embedded MCA via Worldpay / Sage / Klarna; strong on hybrid e-commerce. |
| iwoca | From 2% per month | £1k to £500k | Same day to 24 hours | Best off-marketplace working capital for DTC brands. |
| Fleximize | From 0.9% per month | £5k to £500k | 24 to 48 hours | Flex-loan features useful for stock-cycle e-commerce where revenue lumps. |
| Funding Circle | 6.9% to 26.9% APR | £10k to £500k | 1 to 3 business days | Mainstream term loans for £100k+ growth investment; clean-credit applicants... |
What is the best business loan for a UK e-commerce or DTC brand?
For marketplace sellers (Amazon, eBay, Shopify), embedded RBF from YouLend or Liberis is the fastest path. For off-marketplace DTC, an iwoca flexi-loan or Funding Circle term loan covers stock and growth. For marketing spend, see specialist providers like Wayflyer.
How does revenue-based financing work for UK marketplace sellers?
You receive a lump sum, repaid as a fixed percentage of marketplace sales until a pre-agreed total is met. Underwriting is automated against your marketplace data. Same-day funding, factor rate typically 1.06 to 1.45 depending on the lender and account strength, with stronger, higher-turnover accounts pricing toward the lower end.
Can a UK Amazon FBA seller get pre-approved finance?
Yes. Amazon Lending offers pre-approved finance for eligible sellers based on sales history. YouLend and Liberis are the partner-channel alternatives, often quicker to access than Amazon Lendings own pre-approval cycle.
What turnover does a UK DTC brand need to qualify for finance?
For mainstream term lenders, typically £100k+ annualised. For RBF on marketplaces, £5k+ monthly platform sales. For stock finance specialists, £250k+ annualised. Sub-£100k brands usually rely on personal funding or marketplace RBF only.
Is stock finance available for UK e-commerce?
Yes, from specialist stock-finance lenders against confirmed purchase orders or held inventory. Pricing is typically 1% to 2% per month on funded balance. Sub-£250k operations more often blend an iwoca flexi-loan with supplier credit terms instead.
How we ranked these
We weight marketplace and gateway integration (30%), stock and inventory finance fit (20%), decision speed (20%), eligibility breadth (15%), post-decline acceptance (15%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK business loans for e-commerce and Amazon sellers":
- Marketplace and gateway integration30%
- Stock and inventory finance fit20%
- Decision speed20%
- Eligibility breadth15%
- Post-decline acceptance15%
Read the full methodology for how we score and rank every lender on the FundBiz panel.
Also considered
- Capify (gateway-flow MCA)
- Wayflyer / Outfund (marketing-spend and RBF specialists, separate review)
Not for
Pre-revenue brands; pure marketing-spend financing without revenue history.
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-06-12. Editorial by Best Business Loans Ltd (16833937).