Home & Garden

Growth capital built for home and garden brands scaling online

Fund supplier deposits and seasonal stock builds months before the selling window opens. No personal guarantee. No equity.

Prefer to talk first? Speak to our team

£20k-£1m
Blended facility
24-72hrs
Decision time
0%
Equity dilution
Home decor and furniture products Garden furniture and outdoor living
Connects with the platforms you already use
Shopify
Amazon
eBay
Etsy
Mintsoft
Linnworks
Xero
Stripe
WooCommerce
Shopify
Amazon
eBay
Etsy
Mintsoft
Linnworks
Xero
Stripe
WooCommerce

Large orders, long lead times, and seasonal demand. The costs land months before the revenue.

Furniture, homewares, garden products, and outdoor living all require heavy upfront investment. Supplier deposits and stock commitments land months before selling season. Revenue arrives later.

Furniture showroom and home products
Feb-Apr
Seasonal ranges commit capital months ahead
Furniture, homewares, and seasonal garden ranges all need to land before the selling window opens. Supplier deposits due months before delivery.
Home interior design and decor
Bulk orders
High-value items need large minimum orders
Sofas, dining sets, and homewares carry high unit costs. Supplier MOQs and deposit terms lock cash in containers for weeks before a single unit sells.
Multi-channel ecommerce on Amazon and marketplaces
Channels
Multi-channel selling multiplies inventory requirements
Amazon, Shopify, Wayfair, and eBay each need their own stock allocation. Every new channel you open requires additional working capital to fulfil.
Warehouse picking and packing for ecommerce
Sep-Dec
Q4 gifting and winter collections need early commitment
Christmas gifting, Black Friday, and winter home refresh all spike in Q4. Stock commitments land in August and September. Revenue peaks months later.

Capital structured around how home and garden brands grow

We connect to your inventory, revenue and financial data to structure capital that aligns with how home and garden eCommerce operates.

24-72hrs
application to offer
Seasonal cycle alignment
Draw down capital for supplier deposits, bulk orders, or seasonal range builds. Repay as products sell, not on a rigid monthly schedule.
360°
operating visibility
Live data underwriting
We connect to your sales channels, fulfilment and accounting. Decisions based on how you are trading today, not last year's accounts.
0%
equity given up
No personal guarantee
One fixed fee. No equity dilution. No personal guarantee. Funding decisions based on your live operational data, not your personal assets.
Modern home interior and furniture range
Home decor and accessories detail
Ecommerce warehouse fulfilment operations

Your funder should understand how home and garden eCommerce actually works

CapRelease connects to your sales channels, inventory, accounting, and banking data. We see sell-through rates by SKU, which channels are moving stock, and how your inventory levels shift week to week. We use that to structure facilities around your container schedules, supplier payment terms, and seasonal buying patterns.

  • Capital aligned to your container schedules and seasonal buy cycles
  • Facility sized using live inventory and revenue data
  • Repayments that flex with daily sales across all channels
  • Top-ups available as your business performs
Get started

Home and garden brands growing with CapRelease

20-40%
Average revenue growth
90%
Repeat funding rate
£1m
Facilities up to
<72hrs
Application to decision

"We had a container order ready on our new season range but couldn't commit the deposit without running low on our bestselling indoor lines. CapRelease gave us the capital to place the order without pulling budget from existing stock. We repaid as it sold through."

Founder, Home & Garden DTC Brand
£200k facility, Shopify + Amazon
Home and garden products

From application to funded in days

1
Tell us about your brand
Basic details, monthly revenue, and what you need funding for.
2 minutes
2
Connect your platforms
Secure, read-only access to sales, inventory, accounting and banking.
10 minutes
3
Receive your offer
A blended facility based on live data. One transparent fee. No personal guarantee.
24-72 hours
4
Draw down and grow
Access capital when you need it. Fund inventory and marketing. Repayments flex with daily sales.
Same day

What you can fund

A single blended facility covers both inventory and revenue costs. Use the capital where it drives growth.

Bulk supplier orders
Fund large container orders from your suppliers. Secure volume pricing, priority allocation, and shipping on furniture, homewares, and outdoor products.
Seasonal range builds
Pre-stock spring outdoor, summer garden, autumn interiors, and winter gifting ranges. Inventory in warehouse before the selling window opens.
Supplier deposit cover
Cover 30-50% supplier deposits to lock in stock and secure allocation. Capital dispersed to your account so you can move fast on supplier terms.
Marketing and paid media
Scale ad spend on Meta, Google, and Pinterest during peak selling windows. Fund influencer partnerships, lifestyle photography, and content campaigns to drive seasonal revenue.
New channel expansion
Launch on Wayfair, expand your Amazon catalogue, or grow into new marketplaces. Fund the additional inventory each new channel requires.
Bestseller restocking
Every day without stock on a bestseller is lost revenue and damaged rankings. Fund restocks fast without waiting for the last batch to cash in.

See it in practice

Home brand founder reviewing ecommerce performance

A home and garden brand sells DTC on Shopify, via Amazon, and on Wayfair. They need to fund a container of new season furniture and homewares, restock bestselling lines, and scale paid media ahead of spring.

CapRelease analyses their live inventory, revenue by channel, sell-through velocity, and accounting data. The brand receives a funding offer within 48 hours covering the supplier deposit, restocks, and a paid media budget for the spring push.

Example scenario
Monthly revenue
£120,000
Channels
Shopify DTC + Amazon + Wayfair
Use of funds
Supplier deposit + restock + paid media
Facility amount
£180,000
Fee
One fixed fee, agreed upfront
Repayment
% of daily revenue
Decision time
48 hours

Do you qualify?

Most UK home and garden eCommerce brands with consistent online revenue are eligible. DTC, marketplace, or multi-channel.

UK-registered limited company

£20k+ monthly online revenue

6+ months trading history

Selling via Shopify, Amazon, or marketplaces

Inventory-based business model

No personal guarantee required

Check your eligibility

Frequently asked questions

Common questions from home and garden eCommerce brands.

Yes. Capital is dispersed to your account to cover supplier deposits, final balances, and freight costs. Facilities range from £20k to £1m, so whether you are ordering a single container or multiple, we can structure the funding around your order schedule.

Repayment is flexible. You can repay as a percentage of daily revenue or as a fixed amount. For seasonal stock, this means repayments are lighter during quieter months and pick up as sales increase. The facility is designed around trading patterns, not fixed calendar dates.

Yes. We connect to Shopify, Amazon, WooCommerce, and other platforms. Multi-channel sellers are a good fit because we can see the full picture of your sales, which typically results in a stronger facility offer.

CapRelease provides a blended facility combining inventory finance and revenue finance in one product. We underwrite using live operational data, not invoices or historical bank statements. One fixed fee. No personal guarantee. No equity.

Yes. The blended facility combines inventory finance (for supplier payments, deposits, and restocking) with revenue finance (for paid media, content, and operational costs). One facility covers both.

Most brands receive a funding offer within 24-72 hours of connecting their data. Once accepted, capital is typically available within 48 hours.

We also fund

CapRelease supports eCommerce brands across categories.

Ready to grow?

Fund your next range before the season starts

Apply in minutes. No commitment, no impact on your credit score.

Prefer to talk first? Speak to our team