Ecommerce financing

Ecommerce financing is an equity-free capital investment that helps online businesses quickly access capital in exchange for a slice of future sales. This is a revenue-based funding solution that keeps pace as you grow.

Ecommerce financing is not technically a business loan, so a personal guarantee is not required, it has no impact on your company’s credit score and there is no interest. Instead, it is a capital investment at a fixed price and the business retains 100 percent equity. Repayments are taken as a percentage of revenue which means that when the business is not making as much money, repayments are lower, and when times are good, your repayment window shortens.

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What can I use the funds for?

While some lenders encourage funds to be used for marketing or inventory purposes, for the most part Ecommerce funding is non-restrictive, meaning that you can use the money for any business purpose. What would your priority be?

How it works

Getting started is easy

Simply register and access your personal dashboard to manage your funding and savings performance and metrics.

Step number 1
Getting started is easy
Step number 2

Get matched to funding opportunities

Our technology will match you with all suitable products and suggest the most relevant solutions across loans, equity and grants.

Step number 3

Monitor your spending,
cut costs and build savings

Simply integrate your bank account to access an instant expenditure and savings report – start to cut costs immediately.

Step number 3
Apply easily with our Swoop review process
Step number 4

Apply easily with our Swoop review process

Keep updated with changing circumstances and easily submit your applications to relevant funding and savings providers.

Apply easily with our Swoop review process


Ecommerce financing is a revenue finance solution that can be used to fund a variety of business expenses to help fuel growth. Revenue funding works by granting an advance based on future sales, repayment is then taken as a fixed percentage of the sales as they occur. Lenders are primarily concerned with revenue and gross profit as there needs to be a good margin to allow their repayment from future sales. Some lenders simply offer business funding, whilst others offer additional services complimenting the money and helping businesses with insight to drive business growth.

Ecommerce financing is available to businesses that have a website and receive payments for services. Particularly suited are Direct-to-Consumer (D2C) online retail, Software as a Service (SaaS) businesses, subscription businesses, and online marketplaces. If your business falls outside of those listed, but you receive card payments you may be eligible for a merchant cash advance, which is a slightly different solution. Register with Swoop to speak to one of our Funding Managers to discuss your options.

Funds can be used for a variety of purposes, including user acquisition, marketing spend, stock etc. Some lenders restrict the use of funds whilst others simply forward the advance to your bank account.

Create your free Swoop account to easily apply for ecommerce finance

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