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Business Loans for UK Retailers and Online Stores

Retail & E-commerce Business Loans UK

Whether you are running a high-street shop or an online store, retail demands capital upfront for inventory, marketing, and fulfilment. Cash flow delays from seasonal demand, returns, and payment processing can hold your growth back. Elect Capital provides fast, unsecured funding that moves at the pace of modern retail.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Inventory financing before peak season
Black Friday, Christmas, and summer sales require upfront investment in stock. Working capital lets you buy ahead of demand without draining your operating account.
Marketing ROI timing gap
Paid ads and campaigns cost money now but generate revenue later. Bridge the gap between ad spend and sales with flexible short-term capital.
Returns and cash flow disruption
E-commerce returns can create significant cash flow volatility. Working capital keeps your operations stable while returns are processed and restocked.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Pre-Christmas Stock Investment
An independent fashion retailer needed to place large seasonal orders months before Black Friday. Elect working capital covered the stock purchase, and the retailer paid it back from peak-season profits.
Launching an Online Channel
A high-street gift shop wanted to build an online store and invest in digital marketing. Short-term funding from Elect covered the website build and initial ad spend, with the store breaking even within four months.
Managing Post-Holiday Returns
An e-commerce brand saw 22% of December sales returned in January. Elect working capital covered the cash flow gap while refunds were processed and inventory was restocked, keeping operations stable.
FAQ
Common Questions
Yes. We fund both high-street retail and online e-commerce businesses that are UK-registered, have been trading for 12+ months, and generate at least £25,000 in monthly revenue.
Absolutely. Inventory financing is one of the most common uses of our working capital. Stock up before peak trading periods without cash flow stress.
Yes, provided your business is UK-registered as a limited company or partnership and meets our revenue and trading history criteria.
Elect Capital provides structured working capital with clear terms, not percentage-of-sales deductions. You know exactly what you owe and when, with no surprises.
Eligible UK retail and e-commerce businesses can access between £25,000 and £750,000. The amount is based on your monthly revenue and trading history, not the value of your stock or your Shopify or Amazon sales rank.
No. There is no hard credit check at the application stage. You can apply and receive an offer from Elect Capital without any impact on your personal or business credit file.
Yes. Paid search, social media advertising, influencer campaigns, and other digital marketing spend are all eligible uses of working capital. Many e-commerce businesses use Elect to fund marketing during high-demand periods like Q4.
Apply before 2pm and receive a same-day decision. Funds are typically in your account within hours of accepting an offer. Fast access to capital is critical for retailers who need to move quickly on stock purchases or promotional opportunities.
Yes. Website development, platform migration costs, UX improvements, and technology investments that drive online sales are all eligible uses of working capital.
Yes. The cash flow gap caused by high return rates in January and February is a common challenge for e-commerce businesses. Working capital from Elect can bridge that gap while refunds are processed and inventory is restocked.
You'll need your company registration number, basic business details, and recent bank statements. No detailed accounts or business plans are required. Most applicants complete the application in about two minutes.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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