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UK SMEs · Human support
Ecommerce Finance

Fund the stock and ads before the sales land

Stock is paid upfront. Ads spend before revenue arrives. Platforms hold reserves. We fund the gaps.

Suppliers require payment 60–90 days before stock sells through
Ad budgets need committing before conversion data confirms return
Seasonal peaks require inventory investment months ahead of sales
£1.5M
Largest stock facility
Typical stock turn funded
48hrs
To fund a purchase order
The cash-flow problem

You pay suppliers today. You collect revenue over the next three months.

Supplier payment duePay 30–60 days before goods arrive
Cash out
Stock arrives & listedInventory live on platform
No revenue yet
Sales beginSold over 4–12 weeks
Revenue building
Platform payout14-day hold plus payment cycle
Cash delayed

Ecommerce businesses live in a world where cash moves in the wrong direction first. Inventory is ordered and paid for before it ships, before it clears customs, before it sells, and before platforms release the proceeds.

Relevant products

Finance matched to how ecommerce businesses operate

Unsecured Loan

Stock & inventory

Fund the next purchase order without waiting for the current cycle to complete.

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Revenue-Based

Ad spend & growth

Repayments tied to monthly revenue — lower months cost less. Works with Shopify, Amazon, eBay.

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Invoice Finance

B2B wholesale

Selling wholesale to retailers? Release up to 90% of invoice value immediately.

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Common scenarios

Where ecommerce businesses use us

01

Q4 stock buying

Black Friday and Christmas require inventory commitment in August. We fund the purchase order.

Unsecured Loan
02

Launching a new line

Supplier minimums, packaging and ad spend before a single unit is sold.

Unsecured Loan
03

Scaling paid advertising

Found a profitable ad channel. Revenue-based finance gives you the budget to scale.

Revenue-Based
04

Bridging a platform hold

New marketplace has placed a 30-day reserve. Working capital bridges the gap.

Revenue-Based
Real ecommerce business

What our clients say

""We had the supplier relationship and demand data but couldn't commit to the purchase order size we needed without draining our ad budget. Capital24-7 arranged the stock finance in 48 hours. That order alone added £300k to our annual revenue.""

JC
Jade C.
Health & wellness ecommerce brand, Bristol
Revenue added
£300k / yr
Ready to get started?

Let's find the right funding for your business

No credit check. No commitment. A clear picture of your options, explained honestly.

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