Stock up before peak, not after it.
Retailers and online brands pay for stock and ads months before the sales come in. A business loan funds the build-up to your busy season, a new shop fit-out or a bigger warehouse, with fixed repayments you can plan around.
- £10k to £1m for limited companies
- Stock, marketing, fit-outs and warehouses
- Lenders that understand online and seasonal sales
Sales are growing. The stock bill grows faster.
A loan taken before peak can fund the stock you know you’ll sell.
Funding bridges the gap between paying suppliers and selling the goods.
A loan can fund a bigger push when the numbers already work.
What lenders often look at for retailers
Sales history
Shop takings, Shopify, Amazon or other platform data can help show your trading.
Margins
Gross margin after shipping and ad costs shows what you can afford to repay.
Seasonality
Lenders want repayments that fit your quiet months as well as your peak.
Stock
Lenders may ask how quickly your stock sells and where it is held.
Is a business loan right for your business?
Usually a good fit
- Limited company or LLP
- Usually 12 months or more trading
- Clear sales records
Harder to fund
- Brand new stores or brands
- Thin margins after ad costs
- One marketplace account at risk
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from retail and e-commerce businesses
Yes, you can use a loan for stock from anywhere. Specialist import finance is different, and we don’t offer it yet.
Find out what your business could borrow.
Two minutes. Free. No hard credit check. One specialist, not ten calls.