Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Retail Business Loans: Fast UK Finance Options for Shops & E‑Commerce Sellers
Summary: Fast Business Loans helps UK retailers — from high‑street shops to online sellers — find suitable finance options (loans, invoice finance, asset finance, merchant cash advances and more) by matching businesses with lenders and brokers. Our free enquiry is not an application and does not affect your credit score; it simply helps us pair your business with the best providers for your needs. Typical placements start at £10,000 and upwards. Ready to see your options? Get Started – Free Eligibility Check (takes under 2 minutes).
Fast funding for shops, boutiques & online retailers
Stock seasonality, rent, rising energy bills and peak trading events mean cash flow can change fast. Fast Business Loans connects you quickly with lenders and brokers who specialise in retail funding — so you can secure working capital, finance a shop fit‑out, buy stock or upgrade equipment without wasting time comparing dozens of providers.
- Free, no‑obligation enquiry — no impact on your credit score to enquire
- Matches you with lenders/brokers suited to retail businesses
- Funding options from around £10,000 upwards
Get Started – Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Note: completing the enquiry form is not a loan application — it provides information we use to match you with suitable lenders and brokers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why retailers need flexible finance right now
Retailers face specific pressures that make flexible finance essential:
- Seasonal stock cycles (Christmas, summer, back‑to‑school) create short windows for profit and cash strain
- Rising operating costs (rent, wages, utilities) increase working capital needs
- Expansion or refit opportunities require lump sums (shop fit‑outs, new POS, refrigeration)
- Omnichannel growth needs investment in digital platforms and marketing
Fast, sector‑aware funding can turn opportunities into growth instead of missed chances. For deeper sector guidance see our dedicated retailers resources on retailers shop business loans.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How our retail loan matching works (simple 4‑step process)
- Quick enquiry — tell us a few business details and the amount/type of funding you need (under 2 minutes).
- Smart match — we connect you to lenders and brokers in our panel who specialise in retail finance and are a good fit for your profile.
- Rapid response — matched partners contact you with options, typically by phone or email within hours.
- Compare & proceed — review the offers, choose the best partner and progress the application directly. Fast Business Loans is an introducer and does not lend or give advice.
Visual placeholder: [Process diagram: “Fast Business Loans matching process for UK retailers”]
Get Quote Now — we’ll match you with the right providers quickly.
Retail finance products we can introduce you to
Working capital loans
Flexible loans to smooth cash flow or fund short‑term needs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- When to use: seasonal stock build, covering gaps between sales and supplier payments
- Typical amounts: £10k–£500k+
Merchant cash advance / card‑turnover finance
Advance against future card takings — repayments tied to card volumes.
- When to use: retailers with strong card sales needing fast cash
- Considerations: effective cost can be higher; suitable for short-term needs
Invoice finance
Release cash tied up in trade invoices — ideal for wholesale or B2B retail supply chains.
Asset & equipment finance
Finance POS systems, refrigeration, display units and IT with leasing or hire purchase.
Fit‑out & refurbishment finance
Funding for shop refits, expansions or new premises fit‑outs.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Stock / trade finance
Short‑term loans specifically for purchasing stock — useful ahead of peak seasons.
Terms, rates and eligibility vary by lender; individual assessment required. Offers are subject to lender approval.
Eligibility snapshot for retail businesses
While each lender has different criteria, here are common expectations:
- Operating entity: limited companies, partnerships and registered retail businesses (we do not handle sole traders or professional loans)
- Minimum loan size: typically £10,000 and up
- Trading history: many lenders accept businesses trading 6–12 months+, while specialist partners may consider newer enterprises with a solid plan
- Turnover: lending panels cover a wide range — from small independent shops to multi‑site retailers
- Credit profile: options exist for less‑than‑perfect credit through specialist brokers
Submitting our enquiry does not affect your credit score. Lenders may perform credit checks if you progress with a specific offer.
What retailers say about our introductions
“Matched quickly with a broker who understood boutique fashion retail — secured a £75,000 working capital loan in under a week.” — Independent fashion boutique (anonymised)
“Used to refurbish our convenience store and replace refrigeration. Application handled smoothly by a specialist lender.” — Convenience store owner (anonymised)
Real results come from being matched with providers who know retail. See what funding you qualify for — Free Eligibility Check.
Why partner with Fast Business Loans for retail finance?
- Sector expertise — we match retailers with lenders who understand stock cycles, POS revenue and rent pressures.
- Speed — quick enquiry and fast matches reduce time spent chasing quotes.
- Choice — access to a broad panel of lenders and brokers for better chance of a suitable offer.
- No cost to you — our matching service is free and without obligation.
- Confidential & secure — your details are only shared with partners relevant to your request.
Curious how it works? Get a quick quote and we’ll connect you with specialist providers.
Tailored funding strategies for different retail models
Brick‑and‑mortar shops
Focus: fit‑out, stock purchase, seasonal working capital. Consider asset finance for equipment replacement and merchant cash advances for fast access tied to card sales.
E‑commerce & multichannel sellers
Focus: inventory funding, marketplace growth and marketing. Invoice finance and stock finance work well for rapid replenishment.
Franchises & multiple sites
Focus: standardised fit‑outs, fleet or POS rollouts. Asset finance and multi‑site working capital facilities are common.
Pop‑ups & seasonal traders
Focus: short‑term cash for stock and temporary premises. Merchant cash advances and short‑term working capital loans can be appropriate.
Retail loan readiness checklist
Before enquiring, have these items ready to speed up matching:
- Latest management accounts or till reports (3–12 months)
- Recent bank statements (3 months)
- Details of the funding need: amount, purpose, timescale
- Existing loan details and monthly commitments
- Evidence of major contracts or wholesale orders (if applicable)
Ticked everything off? Get matched with retail finance specialists today.
Frequently Asked Questions: Retail Business Loans
Can start‑up retailers apply?
Yes. Many of our broker partners work with newer businesses. Criteria vary by lender — submit the enquiry to discover who can consider your proposal.
Will I need to offer security?
It depends. Some facilities are unsecured; others (especially larger amounts or property‑backed finance) require security. Your matched broker will explain options.
How quickly can funds reach my account?
Timescales vary: some short‑term facilities can fund in 24–72 hours; traditional loans may take 7–21 days depending on underwriting and documentation.
Do you arrange merchant cash advances?
Yes — we can connect retailers to providers of merchant cash advances and card turnover finance where appropriate.
What rates should retailers expect?
Rates depend on product type, term, security, and credit profile. Your matched providers will give indicative pricing tailored to your circumstances.
Does applying affect my credit score?
No. Completing the Fast Business Loans enquiry form does not affect your credit score. Lenders may perform checks only if you choose to progress with an offer.
Are your partners experienced in retail?
Yes — our panel includes brokers and lenders with retail sector experience to improve the chance of a suitable match.
Start your retail finance enquiry
Save time and get matched to the right lenders and brokers for your shop or online store. Our free eligibility check is quick, confidential and without obligation.
Start My Retail Finance Enquiry — Free Eligibility Check
Fast Business Loans introduces businesses to a panel of finance brokers and lenders. We do not lend or provide regulated financial advice. Completing the enquiry is not an application; it helps us match your business with suitable providers. Offers and terms vary by lender and are subject to individual assessment.
– Are you a lender?
No — Fast Business Loans is an introducer that connects UK retailers and e‑commerce sellers with vetted lenders and brokers; we don’t lend or give financial advice.
– Is the enquiry a loan application?
No — it’s a free, no‑obligation eligibility check used to match your retail business with suitable lenders and brokers.
– Will completing the enquiry affect my credit score?
No — submitting our enquiry does not affect your credit score, and any checks only occur if you proceed with a specific lender.
– What types of retail finance can you help with?
We can introduce you to working capital loans, merchant cash advances (card‑turnover finance), invoice finance, asset/equipment finance, fit‑out finance and stock/trade finance.
– How quickly can I get funding for my shop or online store?
Matched partners usually respond within hours, with fast facilities funding in 24–72 hours and traditional loans in roughly 7–21 days subject to underwriting.
– How much can I borrow as a retailer?
Typical placements start from around £10,000, with larger facilities available depending on product type, turnover, credit profile and security.
– Who is eligible for retail business finance?
We match UK limited companies and partnerships (not sole traders), often trading 6–12 months+, and some start‑ups or imperfect credit can be considered by specialist partners.
– Do I need security or a personal guarantee?
Some options are unsecured, but larger or higher‑risk facilities may require security or a personal guarantee depending on the lender.
– What documents will speed up my retail finance application?
Recent bank statements, management accounts or till reports, your funding amount and purpose, plus details of any existing loans help speed up matching and underwriting.
– Does it cost anything to use Fast Business Loans?
No — our retail finance matching service is completely free and without obligation for UK businesses.