Business finance
Business Loans For Online Retailers
Working capital, equipment, and growth finance for online retailers — matched to your revenue and time trading, not a generic credit score.
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Australian trades
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Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for online retailers and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for fit-out, equipment, and stock without draining the till.
- Cash-flow cover for quiet seasons and the lead-up to busy periods.
- One application across lenders that understand retail and hospitality trade.
How it works
Simple next steps
- 1Tell us what you need to fund and your trading history.
- 2We match it to lenders comfortable with seasonal, foot-traffic revenue.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Online Retailers
Online retail runs on stock and ad spend, both of which you fund before the sales come in. Finance helps you buy inventory ahead of a peak season, fund a bigger advertising push, cover the gap before payment processors settle, or invest in warehousing, packaging and fulfilment as you scale.
Many online retailers look at finance around the ~$35,000 mark to load up on stock for a sale event or bridge the cash tied up between paying suppliers and being paid. Cockatoo helps match you to a lender who understands ecommerce cash flow and judges you on your sales and trading data rather than physical premises.
Common questions
Online Retailers — business loan questions
Can I finance a stock build-up for a peak sale season?
Yes — working-capital finance lets you buy inventory ahead of events like end-of-year sales and repay as the orders convert. This avoids tying up all your own cash in stock that lands weeks before the revenue does.
How much do online retailers usually borrow?
It varies with turnover, but many look at around the ~$35,000 mark for stock and advertising ahead of a busy period. Cockatoo helps match you to a lender comfortable assessing ecommerce sales data rather than expecting bricks-and-mortar assets.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.