Retail finance solutions

Frictionless retail finance from beginning to end

Businesses in the retail sector, including convenience stores, supermarkets and speciality retailers, have unique business needs when it comes to managing both their brick-and-mortar premises and their online ecommerce stores.

Our flexible retail business loans and asset and equipment finance solutions help retail businesses to meet changing customer preferences across channels, achieve income predictability, and navigate industry risks more effectively.

Business Loans

Get the capital you need to maintain profit margins, keep stock replenished and your customers happy.


Maintain cash flow


Cover wage costs


Buy stock or inventory


Expand the business


Harness new trends


Improve supply chain management


Invest in marketing and communications


Diversify revenue streams

Asset Finance

Cover the costs of refurbishments, fit-outs, stockholding and equipment.


Shelving and displays


Point-of-Sale (POS) systems


Refrigeration equipment


Security systems






Store fit-out and layout


Furniture and decor

Solving key industry challenges

Your one-stop retail finance shop

We understand the challenges of the retail sector and the factors that can influence retail business success. Our retail finance solutions can help businesses in this space create a comprehensive shopping experience that keeps customers coming back.

Get funded today Apply for Retail business finance

Maintain an efficient supply chain

Procure stock and bulk up inventory to meet customer demands and maintain a reliable supply chain.

Invest in your digital store front

Set up your shop's website and ecommerce store and start generating sales online.

Manage seasonal fluctuations and cover payment delays

Keep cash flow steady across all seasons with a merchant cash advance or invoice finance solutions.

Create a space for splurging

Refurbish or fit-out your physical store to create a welcoming retail therapy space for customers.

Exchange equipment for equity

Use refinance to unlock cash equity tied up in your owned assets, giving your capital a boost.


Financing solutions tailored to your needs

Millbrook offers more than just business loans and asset finance. We have extensive flexible financing options to meet any funding need. Browse our full range of finance products or head to our solutions overview page.

Business Loans

Get fast unsecured and secured business loans from £25k–£25m.

check-dark-green For any business purpose
check-dark-green Up to 10 years repayment terms
check-dark-green Funding approved within 8 hours
Learn more

Recovery Loan Scheme

Recover from the pandemic with this government-backed initiative.

check-dark-green 70% government backed
check-dark-green Up to £2m per business
check-dark-green Available in addition to CBILs & BBLs
Learn more

Asset & Equipment Finance

Support your business growth without impacting your cash flow.

check-dark-green Purchase any asset
check-dark-green Simple application process
check-dark-green Repayment terms up to 7 years
Learn more

Vehicle Finance

Fund any vehicle purchases, from vans and lorries to supercars.

check-dark-green Flexible deposits available
check-dark-green Tailored balloon payments
check-dark-green Hire purchase, lease or refinance
Learn more


Release cash equity from owned assets or obtain better terms on existing finance agreements.

check-dark-green Release cash from your equipment
check-dark-green Obtain improved finance terms
check-dark-green Great for debt consolidation
Learn more

Merchant Cash Advance

Quickly raise working capital against your businesses card sales.

check-dark-green No interest rate or fixed repayments
check-dark-green Borrow up to double your monthly card sales
check-dark-green 90% approval rate
Learn more

Commercial Property Finance

Get quick access to 
property-related finance.

check-dark-green Repayment up to 30 years
check-dark-green Interest-only products available
check-dark-green 80% LTV or 100% with security
Learn more

Invoice Finance

Unlock funds tied up in outstanding invoices.

check-dark-green Up to 90% of invoices’ value
check-dark-green Your facility grows with you
check-dark-green Fast and simple to release cash
Learn more

Helping businesses like yours


We understand building a successful business can take years of dedication, be a lifelong dream or require a lightbulb moment to make it a reality. We focus on your finance, so you can make the magic happen.

Business loan paid out in just 24 hours!

An e-commerce business needed to urgently smooth cash flow to cover delayed invoice payments.

white-check Instant approval and quick pay out
white-check Manageable monthly repayments over 12 months
white-check Increased loan offer of £26k to help her capitalise on the peak season


Business Owner

quote-green Trustpilot logo

I've worked with multiple brokers over the years and Millbrook were very fast and responsive, we will stick with them for any upcoming finance needs. They secured us a reasonably priced offer in very difficult market conditions. Philip was friendly too!


Business Owner

Kristine - Business Owner
Retail business finance worker | Millbrook business finance

Unlocking your business potential, together

The next chapter of your business' success story depends on the right finance partner supporting you on your journey.

Other industries

Business finance solutions for a diverse range of sectors

Do you operate in other industries? Millbrook's expert team has 60 years of collective experience helping UK businesses in a wide array of sectors to grow and thrive. Browse the range of industries we support.

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Explore the latest financial news, opinions and insights from our industry experts and thought leaders.

Business Finance Success Stories & Case Studies

£2.4M Asset Refinance Arranged for National Haulage Firm

The challenge A national haulage firm wanted to raise £2.4 million to fund operational expenditure Our client, a household name in the haulage and logistics industry,...

Business Finance Success Stories & Case Studies

£150,000 Business Loan Approved for Supercar Repair Business

The challenge A supercar auto-repair business needed to purchase expensive car body parts to meet demand. David* has owned his prestige car body repair business since...

Business Finance Success Stories & Case Studies

£72,000 Business Loan for Recovering Pub Approved and Paid Out in Just 48 hours!

The challenge A recovering pub needed a business loan to fund a new roof terrace in time for summer Terry and Barbara*, are a husband-and-wife landlord team from...

Business Finance Success Stories & Case Studies

Asset Finance Empowers New Restaurant Fitout

When a budding entrepreneur decided to make his restaurateur dreams a reality by opening his first restaurant as part of a franchise, Millbrook Business Finance was able...

Business Finance Success Stories & Case Studies

Helping a Car Hire Business Get Back on the Road with Asset Finance

The challenge A recovering luxury car hire business needed support to secure asset finance to update its fleet Due to the restrictions on events and social gatherings...

Business Finance Success Stories & Case Studies

Business Loan for E-Commerce Company Pays Out in Just 24 Hours!

The challenge An e-commerce business needed to urgently smooth cash flow to cover delayed invoice payments. Kristine is a director of an e-commerce business selling...