Industry finance
Business finance for retail and e-commerce
Retail is a stock business, and stock is money sitting on a shelf waiting to sell. Most retail finance is about closing the gap between paying suppliers and being paid by customers.
An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.
Whether you run a shopfront, an online store, or both, the pattern is the same: you buy in before the season, you sell through it, and the cash comes back later. Peak periods make that gap bigger, not smaller, because the busiest months need the most stock bought the earliest.
We are a broker, not a lender. We compare business-purpose finance across our panel and bring back the options that fit a retail cash-flow shape, so you can decide with real figures rather than a headline rate.
Common funding needs
Where the finance usually goes
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Stock before peak season
Buying in for Christmas, EOFY or a sale weeks before the takings land.
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Fit-outs and new sites
A refit, a second location, or a warehouse as online orders grow.
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Bridging supplier terms
When suppliers want paying before your customers pay you, a revolving limit covers the gap.
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Marketing and expansion
A push before a peak, or the working capital to take a bigger order.
Which finance fits
Options worth comparing
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Unsecured business loans
A lump sum for a stock buy or a fit-out, assessed on your trading.
Learn more -
Business line of credit
A revolving limit for the recurring gap between buying stock and selling it.
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Merchant cash advance
For card-heavy stores, repaid as a share of daily takings. Generally dearer, so worth pricing a loan first.
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FAQs
Retail finance questions, answered straight
How do retailers fund stock before a busy season?
Usually with either a lump-sum business loan bought against the season, or a revolving line of credit drawn on as stock orders fall due and repaid as the season sells through. A line of credit charges interest on the balance you have drawn, and most facilities also charge a line or service fee for holding the limit available, so the real cost is interest on the drawn balance plus that fee. That structure suits a recurring buy-then-sell cycle. We compare both across the panel so you can see which costs less for your pattern.
Can an online-only store get business finance?
Yes. Lenders assess the business, its revenue and how consistent it is, not whether it has a shopfront. A store that trades mostly through card settlements may also be offered a merchant cash advance, which is generally the dearest option, so it is worth pricing an unsecured loan first. We are a broker, not a lender, and we lay the options out with what each costs.
Find out what your business actually supports.
One conversation tells you what the panel would do with your file, what it would cost, and which structure fits your cash flow. You decide whether any of it is worth taking.
An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.