Best Lenders for Amazon Sellers in the UK

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 2025-11-07.

1. Funding Agent

Funding Agent offers a wide range of financial solutions focused on small and medium-sized businesses. Suitable for those seeking quick decisions, flexible funding, and straightforward terms. It acts as a broker and helps connect clients with suitable lenders. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 5%
• Max APR: 20%
• Loan Duration: 6 - 60 months⌛

Services & Industries

• Finance Types: Business Loans
• Industries: SMEs, E-commerce

Pros

• Comprehensive financial solutions
• Tailored services for SMEs

Cons

• Details on specific loan offerings not provided

Sources: https://www.fundingagent.co.uk

2. Amazon Lending

Amazon Lending offers business loans to eligible Amazon sellers. It provides quick access to working capital with flexible repayment options. Suitable for Amazon sellers needing prompt funding, it is organised to support fast decision-making and streamlined process. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £5,000,000
• Min APR: 10.39%
• Max APR: 14.39%
• Loan Duration: 3-18 months⌛

Services & Industries

• Finance Types: Business Loans
• Industries: E-commerce

Pros

• Quick application process
• Tailored for Amazon sellers

Cons

• Eligibility required
• Limited to Amazon marketplace

Sources: https://sell.amazon.co.uk/programmes/amazon-lending

3. iwoca

iwoca provides flexible business finance for small and medium-sized enterprises. It facilitates quick decisions and offers various funding options. Ideal for growing businesses needing rapid access, and available for secured or unsecured borrowing, it can support different growth stages. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £10,000,000
• Min APR: 49%
• Max APR: 0%
• Loan Duration: 1 day to 24 months⌛

Services & Industries

• Finance Types: Business Loans, Lines of Credit
• Industries: Various SMEs

Pros

• Flexible borrowing options
• Fast decisions

Cons

• Relatively high APR for some cases

Sources: https://www.iwoca.co.uk/business-loan-calculator

4. Fleximize

Fleximize offers tailored business loans for UK SMEs. Known for fast approval and flexible repayment plans, it supports various growth needs. It is suitable for firms seeking quick funding with custom options. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 5%
• Max APR: 30%
• Loan Duration: Up to 6 years⌛

Services & Industries

• Finance Types: Business Loans
• Industries: SMEs

Pros

• Loyalty Pledge
• Tailored loan plans

Cons

• APR can be high depending on credit profile

Sources: https://www.fleximize.co.uk

5. TradeBridge

TradeBridge provides large-scale financing options for UK businesses, including Amazon sellers. It offers flexible terms and competitive rates suitable for larger funding needs. General credit assessment allows broad accessibility for established companies. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £5,000,000
• Min APR: 9.99%
• Max APR: 24.99%
• Loan Duration: 3-18 months⌛

Services & Industries

• Finance Types: Business Loans
• Industries: E-commerce, Retail

Pros

• High loan amounts available
• Flexible terms

Cons

• Higher APR rates for some loans

Sources: https://sellercentral.amazon.co.uk/seller-forums/discussions/t/b1ca961c-0abb-4808-b493-7003ff943155

6. Uncapped

Uncapped offers revenue-based funding designed for growth-stage companies. It provides access to substantial capital without equity or personal guarantees. Suitable for businesses with predictable revenue streams, it offers flexible repayment tied to income. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £10,000,000
• Min APR: 10.99%
• Max APR: 0%
• Loan Duration: 12 months⌛

Services & Industries

• Finance Types: Revenue-Based Financing
• Industries: E-commerce, Startup

Pros

• No equity required
• Flexible payments tied to revenue

Cons

• Potentially high cost of capital

Sources: https://www.fundingagent.co.uk/post/outfund-vs-uncapped

7. Capalona

Capalona provides a wide range of business finance options suitable for diverse needs. It offers flexible loan sizes and rates, catering to small and larger businesses. Ideal for those seeking quick access to funding with varied terms, it supports growth and operational needs. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 20%
• Loan Duration: Varies⌛

Services & Industries

• Finance Types: Business Loans
• Industries: Various SMEs

Pros

• Wide range of financial products
• Flexible loan amounts

Cons

• Interest rates can be high

Sources: https://www.capalona.co.uk/blog/business-loan-interest-rates/

8. Bolton Finance

Bolton Finance provides commercial finance broker services sourcing loans for small businesses. It offers tailored funding solutions including asset-backed or unsecured options. Suitable for firms needing quick access to various credit types, it connects clients with multiple lenders. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £5,000,000
• Min APR: 5%
• Max APR: 0%
• Loan Duration: Varies⌛

Services & Industries

• Finance Types: Business Loans
• Industries: Small Business, SMEs

Pros

• Comprehensive broker services
• Access to multiple lenders

Cons

• Broker fees may apply

Sources: https://bolton-finance.co.uk/business-finance/business-loan-broker/

9. Finspire Finance

Finspire Finance focuses on providing business loans mainly for online retail and e-commerce companies. It offers solutions that are quick to set up and often secured on business assets. Suitable for firms seeking fast, asset-backed financing, it supports operational growth with flexible options. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 4.9%
• Max APR: 15.9%
• Loan Duration: Up to 60 months⌛

Services & Industries

• Finance Types: Business Loans
• Industries: E-commerce

Pros

• Competitive APR rates
• Specialised in e-commerce

Cons

• Specific loan amounts not disclosed

Sources: https://www.fundingagent.co.uk/post/best-lenders-for-e-commerce-businesses-uk

10. Cubefunder

Cubefunder offers short-term, flexible business loans for small firms. It provides simple terms and fixed borrowing costs. Suitable for businesses needing quick, straightforward funding, it offers streamlined approval processes. Here’s what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £100,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3-12 months⌛

Services & Industries

• Finance Types: Short-term Loans
• Industries: Small Business

Pros

• No hidden fees
• Flexible payment schedules

Cons

• Short repayment terms

Sources: https://www.fundingagent.co.uk/lender-reviews/cubefunder-reviews

How to choose

Matching the right lender to your needs involves evaluating the loan size, APR, and repayment terms. For Amazon sellers, consider whether a traditional bank loan, brokered solution, or specialised provider best fits your cash flow and growth plans. Quick approvals may mean less flexibility, while broker or specialist lenders can offer tailored options. Always review eligibility criteria, fees, and early repayment conditions before applying. Focus on what aligns with your business goals and financial capacity.

Conclusion

Choosing the right provider depends on your business needs. For quick decisions and flexible funding, broker platforms like Funding Agent are suitable. Larger companies or those seeking sector-specific solutions might prefer specialised lenders or asset-backed options. Always verify current costs and terms directly with the lender; pricing and conditions can change over time.

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