Lender review · E-commerce working capital and term loan
SellersFunding
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 11951536
- Methodology Public
US-headquartered e-commerce financier with a UK operating entity (CN 11951536) lending to Amazon, Shopify and Walmart sellers. Underwriting is pulled from marketplace performance data rather than traditional bank statements, which makes it a strong fit for online-native sellers without years of filed accounts.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- E-commerce working capital and term loan
- Ticket size
- £5k to £1m
- Typical rate
- Quoted at offer
- Decision time
- Same day to 48 hours
- Soft search at quote
- Yes
- Limited companies only
- Yes
- FCA regulated
- No
- Companies House
- 11951536
- Founded
- 2019
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed5/5
- Decline handling4/5
How SellersFunding works
SellersFunding operates as a e-commerce working capital and term loan provider in the UK SMB market. US-headquartered e-commerce financier with a UK operating entity (CN 11951536) lending to Amazon, Shopify and Walmart sellers. Underwriting is pulled from marketplace performance data rather than traditional bank statements, which makes it a strong fit for online-native sellers without years of filed accounts.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £5k to £1m band, decisions land within Same day to 48 hours, and the published rate range is Quoted at offer. Soft search at quote means no impact on your credit file at the eligibility stage. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where SellersFunding fits best: amazon, shopify and walmart sellers, cross-border e-commerce working capital, inventory pre-funding. Where it does not fit: pure b2b service smes, bricks-and-mortar retail without online ledger, long-tenor term debt.
Pricing examples
Worked examples using SellersFunding's published rate range (Quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a SellersFunding quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Pure B2B service SMEs; Bricks-and-mortar retail without online ledger; Long-tenor term debt.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Amazon, Shopify and Walmart sellers; Cross-border e-commerce working capital; Inventory pre-funding.
Pros
- + Marketplace-data underwriting; works for Amazon and Shopify sellers without filed accounts.
- + Same-day decisioning for verified sellers.
- + Multi-currency capability for cross-border sellers.
- + Direct lender; no broker fee added.
Cons
- − Tied to e-commerce profile; bad fit for B2B service businesses.
- − No published pricing.
- − Limited UK Trustpilot footprint compared with US presence.
Best for
- · Amazon, Shopify and Walmart sellers
- · Cross-border e-commerce working capital
- · Inventory pre-funding
Weak at
- · Pure B2B service SMEs
- · Bricks-and-mortar retail without online ledger
- · Long-tenor term debt
When to use SellersFunding
Use SellersFunding when
Your application matches the best-fit profile: amazon, shopify and walmart sellers, cross-border e-commerce working capital, inventory pre-funding. The published ticket range (£5k to £1m) covers your ask, the decision speed (Same day to 48 hours) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use SellersFunding when
Your profile sits in the weak-at list: pure b2b service smes, bricks-and-mortar retail without online ledger, long-tenor term debt. SellersFunding will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using SellersFunding as a screen.
FAQs
What is the minimum trading time for SellersFunding?
SellersFunding typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does SellersFunding require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. SellersFunding is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For e-commerce working capital and term loan specifically, expect a PG to be requested.
How fast does SellersFunding fund?
SellersFunding quotes Same day to 48 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from SellersFunding?
SellersFunding's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if SellersFunding declines me?
If SellersFunding declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. SellersFunding scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.sellersfunding.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just SellersFunding.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.sellersfunding.com.