Asset based financing

Working capital for online businesses. Let your stock work for you.

Asset-based financing helps online retailers scale up their operations.

Our credit partners can offer up to £10 million in working capital against stock – providing instant capital to invest exactly where you need to.

Choosing asset-based financing is a quick and simple option for online retailers who want to use their stock to their advantage. Unlike traditional fulfilment providers, we help eCommerce retailers release funds as soon as they sign-up and start trading with our 3PL service.

  • Free up working capital 
  • Boost your growth 
  • Increase liquidity

Asset based financing



Sign-up and release funds as soon as your start trading with Selazar.


Relieve cash flow pressures with tailored payback plans built around your business.


Asset-based financing typically includes fewer covenants and lower interest rates than unsecured loans.

What is asset-based financing?

Asset-based financing is simply lending money against the value of your stock. It’s a quick and easy way for businesses to cover cash flow demands and increase working capital.

When you store your stock in our warehouses, we can offer your business a loan secured against your inventory. The amount available is dependent on the market value of your stock. Asset-based loans are quicker to obtain and often have lower interest rates than unsecured loans – giving businesses the opportunity to free up finance and grow their operations.

What asset-based financing can do for you

Invest in more stock

Additional working capital can help you invest more stock and better prepare for seasonal sales spikes. Increasing your inventory levels allows you to plan and get ahead of the curve – putting you ahead of your competition.

Expand into new markets

Healthy cash flow gives you the opportunity to explore new countries and markets. With extra working capital, expanding into new territories, boosting profits and scaling your business is faster and easier than ever before.

Reprioritise expenditure

Releasing working capital means spending on areas that need the most attention. You can invest in marketing to reach new customers or develop new products without sacrificing your inventory budget – you can make your stock work for you.


If you want to grow your business faster with flexible finance, speak with our team who can tell you exactly how much you can lend based on your current operations.


How do I qualify for asset-based financing?

If you’re an eCommerce business that’s been trading for at least 12 months and are a Selazar customer, you might be eligible for flexible financing against the value of your inventory. Your offer will be dependent on the value of your stock and a full credit check.

How are funding offers generated?

Financing offers are based on several factors, including your revenue, credit score, historic sales data and projections. Funding is determined on a case-by-case basis and tailored to your specific business needs.

How long does it take to get funding?

You can sign up and request funding right away. Our team will be in touch within 24 hours to discuss your requirements. If you’re eligible for asset-based financing, we’ll help you get the ball rolling and funds can be in your account within 5 working days (depending on your bank).

How much funding can I release against my inventory?

You can take advantage of up to £10 million in funding against your inventory – giving you the flexibility to reprioritise spending and invest in areas that need the most attention.

Is there a commitment when applying?

There is no obligation when applying for asset-based finance. If your application is successful, you will receive a proposal outlining the full terms of the offer. Until you accept a proposal and sign an agreement, there are no commitments or risks for your business.

Do you check my credit report?

Selazar will not check your credit report. When your credit application is referred to our lending partners, they’ll evaluate your credit scores as part of their decision-making process. This won’t affect your credit score and there’s no minimum score required to be successful – your application is completely risk-free.