October 2, 2025
Lists

The Best Lenders for E-commerce businesses in the UK

Discover the best UK lenders for e-commerce businesses in 2026. Compare loan options, interest rates, and find the ideal funding solution for your online store.
Jesse Spence
Finance content writer / Market researcher

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 2025-10-02.

Rank Provider Summary Loan range; APR; Term
1Funding AgentFunding Agent is a leading provider of business loans, specializing in AI-powered solutions for SMEs in the UK.£1,000–£500,000; 4.9%–15.9% APR; 0–60 months
2SME LoansSME Loans provides tailored funding solutions for UK-based small businesses, including e-commerce sectors, offering loans ranging from £1,000 to £500,000.£1,000–£500,000; 1.5%–0% APR; Unknown
3Funding CircleFunding Circle is a renowned marketplace lender that offers fast, affordable loans to small businesses in the UK, with a high success rate in funding SMEs.£10,000–£750,000; 0%–0% APR; 1-60 months
4Get Me JuiceGet Me Juice specializes in providing flexible funding solutions using AI for e-commerce businesses in the UK, with a focus on entrepreneur-friendly terms.£2,000–£150,000; 6%–28.9% APR; Unknown
5Swoop FundingSwoop Funding offers a comprehensive platform to explore e-commerce financing options across a wide range of lenders, helping businesses to grow online.£0–£0; 0%–0% APR; Unknown
6Finspire FinanceFinspire Finance is a UK-based commercial finance brokerage dedicated to supporting SMEs across various industries with focus on efficient funding solutions.£0–£0; 0%–0% APR; Unknown
7British Business BankThe British Business Bank is the UK's government-backed bank designed to enhance business funding access, supporting the nation's economic development.£0–£0; 0%–0% APR; Unknown
8Tide BusinessTide Business provides a comprehensive business finance platform supporting over one million small businesses worldwide, with a focus on simplifying finance.£1,000–£20,000,000; 0%–0% APR; Unknown
9IwocaIwoca offers flexible, short-term loans to small businesses, focusing on quick lending decisions and supporting a wide variety of industries.£1,000–£1,000,000; 0%–0% APR; 1 day–12 months
10CapifyCapify provides alternative finance options tailored to support small and medium enterprises (SMEs), including unique merchant cash advance products.£5,000–£1,000,000; 0%–0% APR; Unknown

1. Funding Agent

Funding Agent focuses on business loans designed for SMEs in the UK, leveraging AI-powered solutions for rapid funding and flexibility. Ideal for businesses needing clear and predictable terms. It suits those looking for fast approvals and innovation in financial services.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 15.9%
  • Loan Duration: 0–60 months⌛

Services & Industries

  • Finance Types: Business Loans, AI-powered Loans
  • Industries: E-commerce

Pros

  • AI-driven solutions
  • Fast funding

Cons

  • Limited to certain sectors

Sources: https://www.fundingagent.co.uk/post/top-10-business-loan-lenders-using-ai-uk

2. SME Loans

SME Loans provides unsecured and business loans aimed at small UK-based e-commerce sectors. Perfect for businesses needing tailored financial solutions without heavy collateral demands. Known for its flexibility and quick decision-making process.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 1.5%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

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

Pros

  • Flexible amounts
  • Quick decision process

Cons

  • May require personal guarantee for unsecured

Sources: https://www.smeloans.co.uk/industries/e-commerce-business-loans/

3. Funding Circle

Funding Circle connects businesses with affordable loan solutions through its marketplace model, ensuring rapid access to funds and a high approval rate. Suited for SMEs seeking various business loan products without collateral constraints.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-60 months⌛

Services & Industries

  • Finance Types: Business Loans, Unsecured Loans
  • Industries: E-commerce, General business

Pros

  • Quick funding decisions

Cons

  • Strict loan criteria

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

4. Get Me Juice

Get Me Juice facilitates flexible e-commerce loans using AI to simplify financing for business growth. Perfect for entrepreneurs who prioritize ease and innovative loan structures without excessive security demands.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £150,000
  • Min APR: 6%
  • Max APR: 28.9%
  • Loan Duration: Unknown⌛

Services & Industries

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

Pros

  • AI-driven
  • Entrepreneur-friendly

Cons

  • Relatively high APR

Sources: https://www.getmejuice.com/post/top-e-commerce-lenders-in-the-uk-in-2025-who-to-trust-with-your-growth

5. Swoop Funding

Swoop Funding connects businesses with a diverse array of financial options, ideal for e-commerce ventures seeking to compare varied lending terms. Known for its comprehensive platform and access to multiple lenders without extra complexity.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: E-commerce Financing, Start-up Loans
  • Industries: E-commerce

Pros

  • Wide range of options
  • Simple application process

Cons

  • Variable rates
  • Terms depend on lender

Sources: https://swoopfunding.com/uk/business-loans/ecommerce-financing/

6. Finspire Finance

Finspire Finance acts as a commercial finance broker, helping SMEs navigate industry-specific funding with efficient solutions. Suits companies seeking brokered access to finance across various sectors.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Commercial Finance
  • Industries: Various SMEs

Pros

  • Efficient support
  • Broad industry focus

Cons

  • Limited to brokerage

Sources: https://finspirefinance.com/

7. British Business Bank

British Business Bank serves as the UK's government-backed lender, providing broad funding options to boost business growth nationwide. Ideal for enterprises looking for government-supported loans with nationwide reach.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Government-funded Loans
  • Industries: General Business

Pros

  • Government-backed
  • Broad support for UK businesses

Cons

  • Bureaucratic processes

Sources: https://www.british-business-bank.co.uk

8. Tide Business

Tide Business offers a business finance platform to support SMEs globally, making it simple for e-commerce businesses to manage finances. Suitable for those seeking wide support and ease in financial processes.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Business Finance, Loans
  • Industries: E-commerce, General Small Business

Pros

  • Wide support
  • Comprehensive platform

Cons

  • High loan amounts might be unsuitable for small e-commerce

Sources: https://www.tide.co

9. Iwoca

Iwoca provides short-term loans with flexible terms and a focus on swift lending decisions. Best suited for SMEs across industries needing quick liquidity boosts with minimal fuss.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 day–12 months⌛

Services & Industries

  • Finance Types: Short-term Loans, Business Loans
  • Industries: Various

Pros

  • Quick decisions
  • Flexible terms

Cons

  • Short repayment terms

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

10. Capify

Capify offers alternative finance options, including merchant cash advances suited for SMEs needing flexibility. Best for businesses favoring customized financial tools over traditional loan products.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Business Loans
  • Industries: Various

Pros

  • Tailored options
  • Innovative products

Cons

  • Higher costs than traditional loans

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

How to choose

Selecting a lender for an e-commerce business involves considering loan size, APR, and the total repayment amount. Confirm the loan matches your cash flow needs and seasonal fluctuations. Assess eligibility criteria, and ensure you understand any fees and repayment terms, including early settlement options. Prioritize providers that offer the right balance of speed and flexibility to match your operational needs. Always review multiple options to find the best fit for your business strategy.

Conclusion

Each lender suits different business models; banks offer traditional large-scale asset lending, while brokers connect businesses to varied funding sources. Specialist lenders provide niche financial solutions tailored to the specific needs of SMEs. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Carefully comparing these providers can help match your business needs to the right lender. Before committing, ensure you verify the current details direct with the provider.

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FAQ’S

What types of loans are available for UK e-commerce businesses?
How do I choose the best lender for my e-commerce business?
Can start-up e-commerce businesses get loans in the UK?
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