UK business loans for retail
UK retail business loans (bricks-and-mortar shops, e-commerce, hybrid) are dominated by merchant cash advance against daily card flow for established retailers. Capify and 365 Business Finance lead on bricks-and-mortar MCA; YouLend and Liberis cover embedded MCA inside Amazon, Shopify, eBay, Worldpay and Sage. Stock and inventory finance fills seasonal Q4 build-up gaps; asset finance funds fit-out cycles; Allica Bank handles commercial mortgages for shop owner-occupiers. Typical tickets £10k to £250k. Marketplace concentration (Amazon-only) underwritten as fragile.
Cash-flow shape
Strong daily card flow. Seasonal Q4 peak. Stock cycle ahead of revenue.
Products that fit
- Merchant cash advance against gateway flow
- Stock and inventory finance
- Term loans for marketing investment
- Asset finance for fit-out
Top UK lenders for retail
- Capify
- 365 Business Finance
- YouLend
- Liberis
Typical tickets
£10k to £250k
Watch outs
- Marketplace concentration (Amazon-only) seen as fragile.
- Single-product or single-supplier brands harder to underwrite.
- Gross margin opacity in DTC.
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Open our /get-quotes/ matcher →Last reviewed: 2026-04-26.