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Ecommerce & Shopify sellers · Ireland
Ecommerce
business loans.
Whether you're selling on Shopify, Amazon or your own site, growth means buying stock before the sales land. We help Irish online sellers compare stock loans, trade finance and working capital through specialist lenders.
Stock loans & trade finance
Fund bulk stock orders before the sales come in — including supplier payments abroad, without needing a letter of credit.
- Stock funding for up to 180 days, repaid as the stock sells
- Typically from 12 months trading with around €500,000 in annual sales, ideally profitable
- Pay overseas suppliers directly — no letter of credit required for qualifying deals
- Buy in bulk ahead of peak season to secure better unit costs
- Eligibility and terms depend on the goods, suppliers and your trading history
Working capital & term loans
Cover stock, marketing and fulfilment costs while you wait for marketplace payouts or card settlements to land.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Fund ad spend, packaging and 3PL costs between payouts
Flexible repayment options
For online sellers with steady card or platform takings, repayments can flex with your sales.
- Merchant cash advance and revenue-based options repaid as a percentage of takings
- Can suit Shopify, Amazon and other platform sellers with regular sales volume
- Limited company, Sole trader, Partnership accounts can all work
- In some cases, loans secured on stock or equipment you already own can work — assessed case by case
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Stock-secured facilities are assessed case by case.
Why online sellers come to us
Stock first, sales later
Ecommerce growth is cash-hungry: the best unit costs come from bigger orders, peak season stock has to be bought months ahead, and marketplace payouts and card settlements lag behind the sales. Meanwhile ad spend, packaging and fulfilment costs don't wait. That gap between paying suppliers and getting paid is exactly what stock finance is built for.
Stock loans and trade finance fund the order itself — including paying overseas suppliers directly, without a letter of credit for qualifying deals — while a working capital facility or term loan covers everything around it. For sellers with steady takings, flexible repayment options can move with your sales.
Importing physical goods? Our trade finance page explains how supplier payments work, and our importers and wholesalers page covers the wider picture for product businesses.
Guides for your industry
4 November 2026
Trade Finance in Ireland: Get Your Stock Funded and Take Up to 180 Days to Pay
Buying stock before customers pay? Trade finance can fund eligible supplier invoices and give Irish importers, retailers and wholesalers up to 180 days to repay.
Read guide →
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
Read guide →
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
Common questions
Can I borrow to buy stock in bulk?
Yes — stock loans and trade finance can fund bulk orders, repaid as the stock sells (funding for up to 180 days). For qualifying deals, the lender can pay your overseas supplier directly without a letter of credit. Typically this suits businesses with at least 12 months trading and around €500,000 in annual sales.
I sell on Shopify or Amazon — does that count as trading history?
Yes — lenders look at your sales through the platform, your bank statements and your accounts. Steady card or platform takings can also open up flexible repayment options where repayments move with your sales.
I'm a sole trader — does that matter?
No. Limited company, Sole trader, Partnership accounts can all work. For term loans, what matters more is at least 12 months trading, turnover of €100,000 or more, a net profit and clean recent bank statements.
Free to you. Lenders pay us a commission when your loan completes. How we get paid