Editorial ranking
Best UK business loans for e-commerce and Amazon sellers
Editorial UK lender rankings from desk research, post-decline options included. FundBiz does not run a credit check. Where a lender publishes a decision or funding time, it is shown in the ranking below.
Free · 2 mins
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, may be offered revenue-based finance (RBF: an advance repaid as a share of sales) inside the platforms they sell on; 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. Lenders don't pay for inclusion or rankings. If you send an enquiry, we pass it to one of the finance partners we work with, and we may be paid by the finance partners we introduce you to, by a fixed fee or commission depending on the partner and the finance arranged. It does not change what you pay.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Want the sector overview, cash-flow shape and typical decline reasons instead? See e-commerce business finance →
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 guides and lender reviews.
Last updated:
- 1. YouLend
Embedded MCA / revenue-based finance · Up to £2m (its own figure) · Approval in as little as 24 hours (its own figure)
Embedded RBF offers through partners including Amazon, Shopify, eBay, Etsy and Just Eat; approval in as little as 24 hours, by YouLend's account.
Our assessment: Decision speed: approval in as little as 24 hours, its own figure · Eligibility breadth: strong.
Read full YouLend review → - 2. Liberis
Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs · £1k to £1m (its own figure) · Funds in as little as 24 hours (its own figure)
Revenue-based finance offered through partners such as Worldpay, Klarna and eBay, so sellers on those platforms may see an offer there.
Our assessment: Decision speed: funds in as little as 24 hours, its own figure · Eligibility breadth: strong.
Read full Liberis review → - 3. iwoca
Flexi-loan / line of credit · £1k to £1m (its own figure) · Many customers get an instant decision; larger loans within 24 hours (its own figures)
Working capital from £1k to £1m (its own figure) for online sellers trading outside the big marketplaces.
Our assessment: Decision speed: many customers get an instant decision; larger loans within 24 hours, its own figures · Eligibility breadth: strong.
Read full iwoca review → - 4. Fleximize
Term loan with flex features (unsecured and secured options) · £10k to £1m (its own figure) · Decision in as little as 24 hours (its own figure)
Flex-loan features useful for stock-cycle e-commerce where revenue lumps.
Our assessment: Decision speed: decision in as little as 24 hours, its own figure · Eligibility breadth: strong.
Read full Fleximize review → -
Term loan · £10k to £750k (its own figure) · Decision in as little as 5 minutes, funds typically within 48 hours (its own figures)
Term loans of £10k to £750k (its own figure) for planned growth spending, such as stock or new equipment.
Our assessment: Decision speed: decision in as little as 5 minutes, funds typically within 48 hours, its own figures · Eligibility breadth: top tier.
Read full Funding Circle review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for | Source | Checked |
|---|---|---|---|---|---|---|
| YouLend | Fixed fee, repaid as a percentage of sales (quoted per offer) | Up to £2m (its own figure) | Approval in as little as 24 hours (its own figure) | Sellers on Amazon, Shopify, eBay, Etsy or Just Eat | Lender's site | |
| Liberis | One fixed fee, repaid as a percentage of sales (quoted per offer) | £1k to £1m (its own figure) | Funds in as little as 24 hours (its own figure) | Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow | Lender's site | |
| iwoca | From 1.5% per 30 days | £1k to £1m (its own figure) | Many customers get an instant decision; larger loans within 24 hours (its own figures) | Working capital you can draw down as you need it | Lender's site | |
| Fleximize | 0.9% to 2.9% a month (Flexiloan) or 1.9% to 3.9% a month (Flexiloan Lite) (its own figures) | £10k to £1m (its own figure) | Decision in as little as 24 hours (its own figure) | Ltd companies trading 12 months or more (Flexiloan), or 6 months or more (Flexiloan Lite) | Lender's site | |
| Funding Circle | From 6.9% per year | £10k to £750k (its own figure) | Decision in as little as 5 minutes, funds typically within 48 hours (its own figures) | Established Ltds with a trading record and clean credit | Lender's site |
Source links go to the lender's own site, or to the page the figures on that row come from. Checked is the date we last checked them. Figures change, so confirm with the lender before you rely on one.
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 often a quick route. 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 largely automated against your marketplace data. Providers charge a fixed fee set per offer rather than interest; YouLend quotes approval in as little as 24 hours and Liberis funding in as little as 24 hours.
Can Amazon sellers get a business loan?
Yes, if the business is a limited company, LLP or partnership of four or more partners with a sales record. The common route is revenue-based finance rather than an ordinary loan. YouLend, which names Amazon as a partner, says on its own site that it provides funding up to £2,000,000 and that funding could be approved in less than 24 hours.
You repay a fixed percentage of each sale, with no interest, just a fixed fee. If you want a standard loan instead, iwoca lends £1,000 to £1 million to limited companies and LLPs and says that in almost all cases you get a decision in 24 hours. These are the providers' own figures, read on 26 October 2026. Each offer is priced for your business, so compare the total you repay.
See also: YouLend's own site, iwoca's own site, revenue-based finance explained.
Can a UK Amazon FBA seller get pre-approved finance?
Possibly. In the UK, Amazon Lending works through third-party finance providers: eligible sellers check for a financing invitation in Seller Central, and Amazon says getting an offer doesn't affect your credit score. YouLend also lists Amazon among the platforms it partners with.
What turnover does a UK DTC brand need to qualify for finance?
Each lender sets its own threshold. iwoca typically lends up to 20% of annual turnover, marketplace RBF providers size offers from your platform sales, and stock finance specialists usually look for an established trading record. Smaller brands often rely on personal funding or marketplace RBF.
Is stock finance available for UK e-commerce?
Yes, from specialist stock-finance lenders against confirmed purchase orders or held inventory. Pricing is quoted per case. Smaller operations 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. The full basis is in our methodology, linked below.
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 the lenders we review.
Also considered
- Capify (short-term loans for businesses with 12+ months of trading)
- Wayflyer / Outfund (marketing-spend and RBF specialists, separate review)
Not for
Pre-revenue brands; pure marketing-spend financing without revenue history.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Editorial by Best Business Loans Ltd (16833937).