Retail and Ecommerce finance
Stock your business.
Back your growth.
Retail and ecommerce finance for stock, seasonal demand, fulfilment and the next stage of growth.
TMS Finance is a credit broker, not a lender.
Fund Stock and Growth Without Emptying Working Capital
Retailers and online sellers often pay suppliers, freight, duty and marketing costs before the resulting sales arrive. Seasonal buying and fast growth can therefore create pressure even when demand is strong.
Commercial finance can help fund inventory, smooth cash flow, improve fulfilment capacity or spread the cost of equipment and technology.
A funding plan that fits your sector
TMS Finance reviews sales channels, margins, stock cycle, card turnover, supplier terms and existing commitments before identifying suitable funding routes.
We explain the costs, repayment structure, lender requirements and any security or personal guarantee before you decide how to proceed.
Finance routes worth exploring
The right route depends on your business, the use of funds and how repayments will be supported.
Trade and stock finance
Fund inventory and supplier costs before sales arrive.
Merchant cash advance
Explore funding linked to eligible card-sales income.
Asset finance
Spread the cost of fit-outs, fulfilment equipment and technology.
What could your funding support?
- Seasonal and high-demand stock purchases
- Supplier deposits, freight, duty and import costs
- Marketplace and ecommerce working capital
- Marketing, customer acquisition and product launches
- Warehouse, fulfilment and packing equipment
- EPOS, payment systems and business technology
- Store fit-outs, refurbishments and new locations
- Refinancing short-term or high-cost borrowing
Tell us what you need to achieve
Share your funding amount, purpose and timescale. We’ll review your enquiry and explain the information needed to explore suitable options.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval. Security and personal guarantees may be required.
01
Understand your needs
Review your business, purpose, timescale and existing commitments.
02
Explore suitable routes
Consider relevant providers from our panel and explain their requirements.
03
Make an informed choice
Review the costs, conditions and repayment commitments before proceeding.
Retail and Ecommerce finance FAQs
Yes, depending on the business and transaction. Trade or stock finance, a business loan or revolving credit may help fund inventory. The lender may review suppliers, purchase orders, margins and the expected sales cycle.
Online sellers may have options where trading history, sales data, margins and bank performance support the request. Reliance on one platform, returns and stock concentration can influence lender appetite.
Potentially. Lenders will want to understand when stock must be paid for, expected sales, historic seasonal performance and how the facility will be repaid after the peak period.
A merchant cash advance provides an agreed advance that is repaid from a percentage of eligible card sales. Repayments can move with turnover, but the total cost should be compared carefully with other routes.
Asset finance may help fund qualifying equipment such as racking, packing systems, EPOS, refrigeration, fit-out equipment and other identifiable business assets.
Common requirements include recent accounts, bank statements, sales reports, marketplace statements, management information, stock details and information about existing finance. Requirements vary by lender.
It may be possible to replace or consolidate facilities where doing so creates a sustainable structure. Any early repayment charges, fees and total repayment should be included in the comparison.
Prepare for your application
Common requests include accounts, business bank statements, existing borrowing and evidence of the costs or project being funded. Sector-specific details also help lenders understand the requirement.
Explore other sectors
Find finance information for UK businesses across construction, property, retail, manufacturing, hospitality, healthcare, transport and agriculture.
Ready to discuss your next move?
Start with the business outcome you want. We’ll help you understand the funding routes that may fit.