Running a brand that sells online and in store means cash flow swings between channels. Merchant cash advance and embedded revenue finance can bridge stock buys, VAT, and ad spend, with repayments taken from card takings and payment gateway settlements. This guide focuses on UK friendly options that work for ecommerce plus POS in 2025.
Payments integrations
Preference for lenders embedded with gateways or POS, so repayments match actual takings.
Speed to funds
Eligibility based on live processing data can cut time to one to five days once approved.
Use case fit
Stock, ads, VAT, new store fit outs, and seasonal working capital for omnichannel brands.
Transparency
Clear cost display, fixed fee or factor pricing, and simple early repayment rules.
#1 Overall YouLend
Embedded financing for platforms and PSPs, serving merchants through partners such as eBay, Shopify, Epos Now and others. Brands get offers based on sales performance from online and POS, with flexible holdback rates and repeat top ups. See the merchant overview on the YouLend site and the ecommerce use case pages for partner proof points. Merchant overview and ecommerce and tech.
Why it fits ecommerce plus POS: multi channel data, embedded offers, scaling limits up to multi million for larger sellers.
#2 Best for POS partnerships Liberis
Revenue based funding delivered through acquirers and POS providers. Liberis positions its Business Cash Advance as receivables finance with repayments from card takings, and powers white label funding for partners across the UK. Product overview and partner model. Example distribution with Elavon and other acquirers confirms wide reach in retail and hospitality. Example partner page.
Why it fits ecommerce plus POS: strong POS and acquirer embeds, predictable deductions from in store card sales.
#3 Best for SumUp sellers SumUp Cash Advance
Fast advances offered directly in the SumUp app, repaid from card reader takings. Recent company updates show product expansion across Europe and continued availability in the UK. If your tills run on SumUp, check eligibility inside your dashboard. Product page and 2025 press update.
Why it fits ecommerce plus POS: direct POS link, friction light application for existing SumUp merchants.
#4 Best for PayPal heavy brands PayPal Working Capital
Fixed fee cash advance based on PayPal sales history, with repayments as a percentage of your PayPal receipts. Useful if PayPal is a major online channel, and can complement in store card takings on Zettle. Check eligibility and fee structure on the UK product page. How it works.
Why it fits ecommerce plus POS: taps online checkout volume, pairs with Zettle POS for omnichannel sellers.
#5 Best independent MCA specialist 365 Business Finance
Direct MCA provider offering unsecured advances with repayments taken from card revenue. Clear product positioning and typical funding speeds appeal to smaller brands and single store operators. MCA overview.
Why it fits ecommerce plus POS: works when your gateway or POS does not surface embedded offers.
#6 Partner powered option Retail Merchant Services, powered by Liberis
Acquirer led funding where offers are delivered in partnership with Liberis. If your brand processes in store through RMS, this can be a convenient route with deductions matched to takings. RMS revenue finance.
Why it fits ecommerce plus POS: convenient for RMS customers, quick set up since processing data is already in place.
