March 17, 2026
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Best Business Loan Refinancing Lenders for the E-Commerce Industry

Discover the best business loan refinancing lenders tailored for the e-commerce industry. Learn how to save money and improve your business finances with our expert insights.
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Best Business Loan Refinancing Lenders for the E-Commerce Industry
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Business Loan Refinancing Lenders for the E-Commerce Industry

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-16.

1. Funding Agent

Funding Agent focuses on providing a fast, straightforward way for UK SMEs to compare multiple business financing options. It is suitable for SMEs looking for clear eligibility checks and quick application decisions. This provider offers flexible loan options without requiring collateral, helping businesses find suitable terms efficiently.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Funding Circle

Funding Circle offers peer-to-peer lending with a focus on transparent and efficient loan processes for small businesses. It is suitable for e-commerce and retail businesses that seek term loans with no early repayment fees. The platform provides clear terms with flexible durations and generally unsecured finance.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 30%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Term Loans
  • Industries: E-Commerce, Retail

Pros

  • Transparent loan processing
  • No early repayment fees

Cons

  • May be costly for high-risk profiles

Sources: Source Source

3. SME Loans

SME Loans focuses on small to medium-sized business financing across various sectors including e-commerce. It is suitable for startups and established businesses looking for unsecured and startup loans. The process offers some flexibility, with competitive options in a straightforward format.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Startup Loans
  • Industries: E-Commerce, Startups

Pros

  • Quick approval process
  • Flexible repayment

Cons

  • Higher interest for lower credit scores

Sources: Source

4. Novuna

Novuna provides secured and unsecured lending tailored for online retailers and e-commerce businesses. It suits those needing quick decisions and flexible funding. Their loans offer adaptable terms and can fit varying business capital requirements with some variation in APRs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £35,000
  • Min APR: 6.7%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: E-Commerce, Retail

Pros

  • Fast decision making
  • Competitive small business loans

Cons

  • APR varies significantly

Sources: Source

5. iwoca

iwoca focuses on flexible short-term funding and credit lines for e-commerce and tech firms. It is suitable for businesses needing quick capital without hidden fees. The service offers multiple repayment options with transparent terms to meet varying cash flow needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 1–24 months ⌛

Services & Industries

  • Finance Types: Short-term Loans, Credit Lines
  • Industries: E-Commerce, Technology

Pros

  • Flexible terms
  • No hidden fees

Cons

  • Higher APR for short-term options

Sources: Source

6. Aurora Capital

Aurora Capital offers tailored secured loans for online sellers and wholesalers aiming for e-commerce expansion. It suits businesses seeking higher loan amounts with customised terms. The provider emphasises strategic financial support with flexible repayment options.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,000,000
  • Min APR: 12%
  • Max APR: 0%
  • Loan Duration: Up to 6 years ⌛

Services & Industries

  • Finance Types: Secured Loans
  • Industries: E-Commerce, Wholesale

Pros

  • High loan amounts
  • Customized finance solutions

Cons

  • High origination fees

Sources: Source

7. Nucleus Commercial Finance

Nucleus Commercial Finance supplies fast and adaptable unsecured loan and cash flow finance options. It is ideal for e-commerce businesses seeking growth capital with flexible terms. Repayment options and loan types are varied to suit different operational requirements.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 19.9%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Cash Flow Finance
  • Industries: E-Commerce, Manufacturing

Pros

  • Variety of loan products
  • Fast processing times

Cons

  • Higher rates for smaller loans

Sources: Source

8. Clifton Private Finance

Clifton Private Finance specialises in secured and unsecured loans for the e-commerce and real estate sectors. It is suited to businesses needing tailored funding solutions with a focus on loan variety and expert support. Repayment schedules tend to be longer with flexible product range options.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 10%
  • Max APR: 30%
  • Loan Duration: 3–6 years ⌛

Services & Industries

  • Finance Types: Bridging Loans, Unsecured Loans
  • Industries: E-Commerce, Real Estate

Pros

  • Expert advice and support
  • Wide range of loan products

Cons

  • High rates for unsecured loans

Sources: Source

9. 365 Business Finance

365 Business Finance targets small e-commerce businesses offering merchant cash advances tailored for fast funding needs. It suits businesses requiring quick capital with no fixed repayment schedules. The options provide flexible financing designed to match variable cash flow cycles.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £200,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 3–12 months ⌛

Services & Industries

  • Finance Types: Merchant Cash Advances
  • Industries: E-Commerce, Retail

Pros

  • No fixed repayment terms
  • Quick funding

Cons

  • Higher cost for high-risk businesses

Sources: Source

10. Capify

Capify provides working capital loans designed for fast-growing e-commerce and hospitality businesses. It is suitable for those needing rapid access to funds with a simple application and no collateral requirements. The lender offers flexible loan options with a focus on speed rather than detailed APR transparency.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 4–24 months ⌛

Services & Industries

  • Finance Types: Working Capital Loans
  • Industries: E-Commerce, Hospitality

Pros

  • Flexible loan options
  • No collateral required

Cons

  • APR not transparent

Sources: Source

How to choose

When selecting the best business loan refinancing lender for e-commerce, consider your loan size and budget carefully. Evaluate the eligibility criteria and ensure the APR matches your capacity for repayment. Balance the need for speed against flexibility and assess whether unsecured or secured options suit your business. Check lender fees, repayment types, and any early settlement charges to avoid surprises. Always consider how the loan fits your cash flow and seasonal fluctuations before committing.

Conclusion

Match your lending choice to your business needs. Banks and peer-to-peer lenders offer transparency and term loans, brokers can provide wider market access, and specialists tailor solutions for niche requirements. For smaller, unsecured loans with quick comparisons, Funding Agent remains helpful. Larger loan sums or asset-backed products may require different providers. Always verify current terms directly with lenders before applying for any business loan refinancing under 200 thousand pounds.

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FAQs

What is business loan refinancing?
Why should e-commerce businesses consider refinancing their loans?
How do I find the best lenders for refinancing my e-commerce business loan?
Are there specific lenders that focus on e-commerce loan refinancing?
What documents are needed to refinance a business loan?
Can refinancing affect my credit score?

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Funding CircleFunding Circle is a peer-to-peer lending platform providing efficient and transparent loans to small businesses.£10,000–£750,000; 6.9%–30% APR; 6–72 months
3SME LoansSME Loans specializes in small to medium business financing, offering competitive loans for various industries including e-commerce.£1,000–£500,000; 0%–0% APR; Unknown
4NovunaNovuna offers innovative financial solutions for online businesses, providing quick and flexible loans to meet e-commerce demands.£10,000–£35,000; 6.7%–0% APR; Unknown
5iwocaIwoca provides flexible funding and financial products for e-commerce businesses, with quick access to capital.£1,000–£1,000,000; 6%–15% APR; 1–24 months
6Aurora CapitalAurora Capital offers tailored finance solutions for online sellers, enabling e-commerce growth through strategic financial support.£50,000–£2,000,000; 12%–0% APR; Up to 6 years
7Nucleus Commercial FinanceNucleus provides fast, adaptable finance options tailored for e-commerce businesses looking to grow their operations.£3,000–£2,000,000; 7.5%–19.9% APR; 3–36 months
8Clifton Private FinanceClifton Private Finance offers specialized funding solutions to support the growth of e-commerce industries, providing both secured and unsecured business loans.£50,000–£0; 10%–30% APR; 3–6 years
9365 Business Finance365 Business Finance specializes in funding for small e-commerce businesses, offering quick and flexible financing options tailored to needs.£5,000–£200,000; 5%–20% APR; 3–12 months
10CapifyCapify provides innovative finance solutions for growing e-commerce businesses, with an emphasis on speedy access to capital and easy application processes.£5,000–£500,000; 0%–0% APR; 4–24 months
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