March 26, 2026
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Best MCA Loan Lenders for the E-Commerce Industry

Discover the best MCA loan lenders for the e-commerce industry in the UK. Get fast and flexible funding to grow your online business with trusted lenders.
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Best MCA Loan Lenders for the E-Commerce Industry
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best MCA Loan 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 2026-03-23.

1. Funding Agent

Funding Agent offers a platform to compare business finance options, focusing on unsecured loans and merchant cash advances. This service is typically suited for UK SMEs seeking working capital with flexible repayment options. It aims to provide a fast application process without requiring collateral, enabling quick eligibility decisions.

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. YouLend

YouLend specialises in embedded finance, providing revenue-based funding solutions tailored to SMEs' sales volume across the UK. It typically suits e-commerce businesses and SMEs looking for flexible access to capital without fixed repayment terms. The provider offers integration with sales systems and focuses on speed and adaptability rather than conventional credit checks.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible durations based on sales

Services & Industries

  • Finance Types: Revenue-based Finance, MCA
  • Industries: SMEs, E-commerce

Pros

  • High approval rates
  • Integrated with sales systems

Cons

  • Higher cost of capital

Sources: Source

3. Liberis

Liberis provides merchant cash advances allowing SMEs to access funds repaid through daily card sale percentages. It is suited for retail businesses and SMEs that prefer revenue-based repayments over fixed loan terms. The provider focuses on flexibility and does not require traditional collateral or fixed APR-based pricing.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible repayment plans

Services & Industries

  • Finance Types: Merchant Cash Advances
  • Industries: Retail, SMEs

Pros

  • Revenue-based repayments
  • No fixed terms

Cons

  • Not APR-based pricing

Sources: Source

4. Novuna

Novuna offers a variety of finance options including business loans and debt financing, targeting established businesses across multiple sectors. It is suitable for SMEs seeking tailored solutions with fixed repayments over medium to long terms. Novuna typically requires some form of security and caters to more traditional lending needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 6–60 months

Services & Industries

  • Finance Types: Business Loans, Debt Financing
  • Industries: Construction, Retail

Pros

  • Tailored solutions
  • Fast approvals

Cons

  • Limited to established businesses

Sources: Source

5. iwoca

iwoca provides fast, flexible business loans for SMEs in sectors like hospitality and retail. Their offerings suit businesses needing short- to medium-term working capital with options for no early repayment fees. iwoca focuses on speed and simplicity, offering unsecured loans typically without requiring collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 1 day to 24 months

Services & Industries

  • Finance Types: Business Loans, Short-term Loans
  • Industries: Hospitality, Retail

Pros

  • Quick decisions
  • No early repayment penalties

Cons

  • Short loan durations

Sources: Source

6. 365 Business Finance

365 Business Finance specialises in unsecured business loans repaid through revenue percentages, focusing on SMEs within the hospitality and retail sectors. Their approach favours flexibility without fixed terms or collateral, ideal for businesses with fluctuating cash flows. Funding is structured to align repayments with sales performance.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £400,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Based on sales

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: SMEs, Hospitality

Pros

  • No fixed terms
  • Revenue-based repayments

Cons

  • Higher fees than traditional loans

Sources: Source

7. Fora Financial

Fora Financial focuses on quick capital access for small businesses, emphasizing industries such as construction and restaurants. Their products suit SMEs needing working capital with fixed repayment terms. The provider supports straightforward applications aimed at swift funding, though interest rates may vary.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5.9%
  • Max APR: 0%
  • Loan Duration: 12–60 months

Services & Industries

  • Finance Types: Business Loans, MCA
  • Industries: Restaurants, Construction

Pros

  • Quick funding access
  • Industry-specific loans

Cons

  • Higher interest rates

Sources: Source

8. Fleximize

Fleximize delivers business finance solutions with an emphasis on flexibility and tailored lending for SMEs serving various sectors. It is appropriate for businesses seeking secured or unsecured loans with manageable terms up to several years. The lender offers options that balance speed with customised finance plans.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 0%
  • Loan Duration: Up to 48 months

Services & Industries

  • Finance Types: Business Loans, Secured and Unsecured Loans
  • Industries: SMEs, Retail

Pros

  • No upfront fees
  • Tailored lending solutions

Cons

  • Higher APRs

Sources: Source

9. Swoop Funding

Swoop Funding provides a platform connecting businesses to diverse funding sources, including loans, equity finance, and grants. It suits SMEs across industries like technology and hospitality seeking various financial products. The provider offers brokered access to multiple lenders, emphasising choice and tailored financing solutions.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 3.9%
  • Max APR: 15.5%
  • Loan Duration: 6–60 months

Services & Industries

  • Finance Types: Loans, Equity Finance, Grants
  • Industries: Technology, Hospitality

Pros

  • Diverse financing options
  • Tailored solutions

Cons

  • Requires membership for some services

Sources: Source

10. Capify

Capify offers alternative finance products including business loans and merchant cash advances, designed for SMEs. It is suitable for businesses needing access to capital with short to medium repayment periods. Capify focuses on fast capital delivery with flexible repayment structures linked to sales or fixed terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 0%
  • Loan Duration: 3–12 months

Services & Industries

  • Finance Types: Business Loans, MCA
  • Industries: SMEs, Retail

Pros

  • Fast access to capital
  • Broad loan range

Cons

  • High APR rates

Sources: Source

How to choose

When selecting the best MCA loan lender for e-commerce businesses, focus on providers offering flexible repayment terms aligned with sales volumes. Consider the loan size and APR in relation to your budget and cash flow patterns. Fast access to funds can be critical, but also weigh options for collateral requirements and the degree of repayment flexibility. Different providers offer distinct structures such as revenue-based repayments, fixed-term loans, or brokered financing. Always assess eligibility criteria, fees, and any early repayment penalties before making a decision.

Conclusion

Choosing the right lender depends on the specific funding need. Bank loans may suit stable, asset-backed requirements, while brokers or specialists cater better to flexible or revenue-based financing. Funding Agent is useful for quick comparisons among these options. For loan amounts around 200 thousand pounds, consider your repayment capacity and security options to find the best fit. Always verify current terms and conditions directly with the lender before proceeding.

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FAQs

What is an MCA loan and how does it work for e-commerce businesses?
Which MCA lenders specialise in the e-commerce industry?
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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
2YouLendYouLend is a major embedded finance provider, supporting SMEs across the UK with flexible funding opportunities tailored to their sales volume.£3,000–£1,000,000; 0%–0% APR; Flexible durations based on sales
3LiberisLiberis offers business finance solutions, providing cash advances to SMEs repaid through a percentage of daily card sales.£1,000–£1,000,000; 0%–0% APR; Flexible repayment plans
4NovunaNovuna provides diverse finance options supporting various sectors with tailored financial solutions.£10,000–£500,000; 6.9%–0% APR; 6–60 months
5iwocaiwoca offers fast, flexible business loans designed for small to medium-sized enterprises in the UK.£1,000–£1,000,000; 5%–20% APR; 1 day to 24 months
6365 Business Finance365 Business Finance offers unsecured business loans repaid via sales percentages, catering to SMEs across UK.£10,000–£400,000; 0%–0% APR; Based on sales
7Fora FinancialFora Financial provides quick access to working capital for small businesses, focusing on industries like construction and restaurants.£5,000–£500,000; 5.9%–0% APR; 12–60 months
8FleximizeFleximize provides flexible business finance tailored to the needs of SMEs across different sectors in the UK.£10,000–£500,000; 10.8%–0% APR; Up to 48 months
9Swoop FundingSwoop Funding connects businesses with funding options, including loans and grants, through a comprehensive platform.£10,000–£750,000; 3.9%–15.5% APR; 6–60 months
10CapifyCapify provides alternative finance solutions, offering business loans and merchant cash advances for SMEs in the UK.£5,000–£1,000,000; 67.89%–0% APR; 3–12 months