Appropriate Funding for Your Ecommerce Business

We're Ecommerce finance experts with the widest range of lenders - we'll work with you to identify the right finance for your businessI

Speak to one of our experts020 4525 5312

Funding options


Unsecured Lending

  • Business lending based on your personal guarantee
  • Simple and easy to arrange
  • Borrow up to £25,000
  • Rates from 4.9%

Secured Lending

  • Lending secured on business or personal assets
  • Rates from 2% over base rate
  • No Income Proof Required
  • Borrow larger sums - £250,000 or more

Asset Funding

  • Finance the equipment and vehicles you need
  • Hire Purchase
  • Lease and contract purchase solutions
  • Costs reduced - funding secured on the assets themselves

Talk to Rangewell – the UK's Ecommerce finance experts

New kinds of business need new kinds of business finance. At Rangewell, we know the lenders who can provide the finance you need to make the most of your online business.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

The E-commerce business sector is fast growing, high profile, and the numbers are breathtaking...

...but so is the competition. To succeed you need fast access to the best Ecommerce funding and business loans

Ecommerce business loans and Ecommerce funding is changing almost as quickly as Ecommerce businesses themselves.

Historically getting ecommerce funding or loans from mainstream lenders in the UK was almost impossible as they didn't understand the sector - forcing high growth Ecommerce businesses 

  • To approach North American lenders such as Clearbanc or European lenders such as Uncapped who don’t always understand the detailed complexities of running an Ecommerce Business in the UK
  • To be at the mercy of expensive captive systems such as Amazon Finance, PayPal Working Capital or Ebay Business Capital (and we‘ve seen many examples of why you shouldn’t have a single point of failure with your fiance provider also holding your stock and selling it for you !!)
  • To take unsuitable short term, high interest loans 

Rangewell are a whole of market, specialist Ecommerce Finance Brokers and we work with more E-commerce lenders than anyone.

If you are an E-commerce Business looking for appropriate and affordable funding we can help:

  • Provide support for all types of E-commerce businesses in all sectors
  • We will help you review all you financing options and using our E-Commerce Finance Calculator can quickly identify 
    • which lenders are willing to provide E-Commerce funding to your business
    •  the best finance rates for your specific circumstances and Ecommerce category
  • E-Commerce small business loans for those at an early stage of expansion 
  • E-Commerce start-up loans for those looking to start an Ecommerce business
  • As well as eCommerce businesses we can also provide funding to, SaaS and App based business
  • Refinancing your current Ecommerce Business Loans

Importantly, because we speak to a broad range of lenders we can access all types of finance for your Ecommerce business including

  • Long term growth Finance from mainstream lenders (at rates from 2.9% per year)
  • Asset Finance if you are buying equipment
  • Stock Finance and Trade Finance if you are buying inventory from abroad
  • Property Finance (with terms of up to 20 years and rates from 2.4% per year) if you are buying warehouses or expanding

With an e-commerce business, you have the whole world as your potential marketplace - but you also face all the traditional challenges of a conventional business, as well as many new challenges unique to the online world.

Like a conventional business, you’ll need solutions for inventory, premises and for hiring employees. You’ll also face the challenges of constantly-evolving technology, and a 24-hour marketplace.

Conventional finance can provide the funding you need to set up, run and grow your online business - although you may need to spend valuable time explaining your business plans. Fortunately, there are also new types of funding providers, with alternative finance that can move at a pace more suited to your business.

At Rangewell, we are an online business ourselves. We know the challenges you face with your own venture, and the lenders who are best suited to providing the funding you must have to succeed.

What do you need?

There are many finance options available to e-commerce businesses like yours, so it’s important that you understand which options best fit your specific plans.

  • Premises
  • Staff
  • Development
  • Hardware
  • Stock
  • Marketing

Before you start contacting banks and other financial institutions, you should understand which of these costs will affect your business and the kind of sums you will require. You will need a concrete business plan, projections for the next few years, and detailed plans on how you will use the money, as well as tax records and financial statements from previous years when you have been running a business.

Funding for Startups

Most lenders can't provide funding for startups. Your startup has no trading history so they have no evidence they will be repaid. However, e-commerce is so new that direct experience is rare. Some lenders may well be prepared to consider the previous experience you or your partners have, your business background and how professional your approach is. At Rangewell, we know the lenders who can help startups - and about solutions such as Government grants, which can help you get your e-commerce business off the ground. See more about our approach to Startup Funding.

Once your business has survived its first few months, you may still need funding. One solution may be Mezzanine Finance, which can bring in the support of experienced investors, but avoids the risk of losing control of your business.

Working Capital Finance

Like every business, once you are up and running, your online enterprise will need cash to buy more stock and meet obligations such as wages, tax and other bills. Working Capital Loans can cover your everyday operating expenses, such as suppliers' invoices and payroll. They are short-term loans that provide the cash lump sum you need quickly, and can be paid back in a matter of months. They can be vital even for thriving businesses, and are especially useful if you have slow-paying customers, seasonal business downturns or during periods of growth.

Having a line of credit to access when you need – and that you pay for only when you use it – can help make the most of your cash flow. An Overdraft Replacement Facility, as its name suggests, could provide the convenience and flexibility of an overdraft without the need to involve your bank.

If you give credit to customers so they are able to pay you later, your funding options could include new types of Invoice Finance that can be done online.

You could also consider a Merchant Cash Advance. As most of your online business will be done with customers who use their credit or debit cards, this can be your ideal solution. Your cash advance is paid back automatically with a set percentage of every credit card payment you take going straight to the lender.

It means customers are repaying your cash advance for you, every time they pay with a card.

Stock Finance

Stock, in any form, is an expensive commodity and, if you hold stock in your business, it means less cash to operate, fund initiatives and drive growth.

Stock Finance, also known as Inventory Finance, is a funding solution that lets you release the working capital tied up in your stock before you sell it.

The funding works by having a lender purchase stock from your business and repayment is made when the stock is sold on. How much funding you can access depends on the type of stock you are looking to release cash against, and whether it is basic raw materials, work in progress or finished goods, ready for sale.

Equipment Finance

Your team will need high-specification computer hardware and specialist software. Asset Finance -  Hire Purchase and Leasing - can help make virtually any type of equipment affordable by letting you spread the costs and make monthly payments. At Rangewell, we can often undercut funding offered by equipment suppliers, or which let you take advantage of the lower costs of pre-owned equipment.

Fast business loans

Once you have been trading for a few years, funding can become easier to obtain and your priority may be to take advantage of new opportunities as soon as they emerge. Unsecured Loans provide sums from a few thousand pounds upwards, and they can be provided in a matter of days - or even in hours in the case of smaller loans.

They are simple to arrange and the lender will make their decision based on a number of factors, including the credit rating of your business. Unsecured Loans can be arranged over a period of time to suit you, often between 1 and 60 months. Remember, the lender will expect a Personal Guarantee from you and your partners and co-directors, which will mean that you would be required to make the repayments if your business could not.

Larger-scale lending

If you want to borrow a large sum, you will probably need a Secured Loan. These can be tailored to your business with repayment terms to fit your turnover and budget. However, you will need to provide something - like property - to use as collateral.

Finance for growth

Whatever size your e-commerce business is now, if you need to use your profits to invest in growth, that growth could take a very long time. It's important to move fast online, and one solution is to use Growth Finance.

However, external funding will also bring challenges. Equity investment may mean that you are no longer the sole owner of your business, and you may no longer have full control over it.

One solution could be Growth Capital Funding. This can provide large sums to support your growth plans - but based on borrowing. It means you won’t have to sacrifice equity or control of your business.

Solutions are available for virtually any size of business and you can use the funds in any way you need to achieve your growth plans, whether they involve expansion, acquisition or new product development.

E-commerce Finance from Rangewell

You need to get a combination of both expert support as well as funding to start to scale your business.

At Rangewell, we work with lenders across the market and know the key providers who can help with e-commerce funding. Our knowledge can not only help you secure the funding you need - it can help you secure it fast. Find out more about the finance options available to your business today.

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Tailored to your e-business
    We can help set up funding to fit your e-commerce business.
  • Protect your cash flow
    We can help you find funding without impacting your cashflow.
  • Support your e-commerce growth
    E-commerce is growing fast - and we can help you support that growth.
  • Any scale of e-business
    We can provide the funding solutions for your e-commerce business, whether you are starting up or building a multinational site.
  • Cost-effective e-commerce funding
    We can work with you to find the most cost-effective solution for your e-commerce business.
  • Fixed repayments
    Fixed repayments let you match payments to your e-business budget.

Download Rangewell’s free and detailed guide to E-commerce Finance

How does e-commerce finance work?

Why type of funding do you need for your online business?

What are the costs?

What are the restrictions?

The downsides of e-commerce finance

Making the application

How important is your credit score with e-commerce finance?

Key terms to check

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Getting the right funding is essentialGetting the most appropriate type of finance for your e-commerce business is essential to keep costs under control.
Costs may be highSome types of funding mean high costs. You need help to get the funding that’s right for your e-business.
Long-term financial commitmentsYou cannot to pull out of most types of finance arrangement once they have been set up.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.