Protein powder brands, pre-workout formulas, amino acid supplements, sports drinks, energy gels, recovery products. Direct to consumer and wholesale distribution models.
Vitamins, minerals, herbal supplements, omega oils, probiotics, nootropics. Online brands and retail distributed products.
Health food stores, supplement shops, nutrition retail chains, franchise supplement stores. Stock finance, expansion, refits.
White label supplement manufacturers, formulation labs, packaging operations. Equipment finance, working capital for production runs.
B2B supplement distribution, gym supply wholesalers, health food distributors. Stock finance for bulk orders, warehouse equipment, delivery vehicles.
Subscription box services, personalized nutrition platforms, supplement ecommerce sites. Marketing capital, tech development, stock finance.
£10k - £250k
Fund production runs, purchase bulk ingredients, finance finished stock orders. Bridge the gap between manufacturing costs and sales revenue.
£15k - £150k
Meta ads, influencer partnerships, affiliate programs, PR campaigns, product launches. Invest in growth while revenue catches up.
£10k - £100k
New formula development, third party testing, regulatory compliance, packaging design, initial production runs for new products.
£20k - £200k
Open new retail locations, franchise purchases, store refits, retail equipment and fixtures. Scale your physical presence.
£25k - £300k
Blending equipment, encapsulation machines, packaging lines, quality control equipment. Asset finance for production capacity expansion.
£10k - £100k
Cover cashflow gaps, manage seasonal demand, bridge Amazon or retail payment terms, fund growth during scaling phase.
Supplement businesses must comply with UK food supplement regulations. Lenders want to see proper compliance. Trading Standards approval, appropriate product liability insurance, clear ingredient sourcing documentation, compliant labeling and marketing claims. Non-compliant businesses struggle to get funded regardless of sales performance.
Traditional banks see supplement businesses as high risk. Long cash conversion cycles (you pay for manufacturing months before revenue arrives), regulatory complexity, customer acquisition costs eating into margins, Amazon payment terms creating cashflow pressure, high product return rates in some categories.
Specialist lenders understand the model. They know subscription businesses have predictable revenue, understand that Amazon sellers need bridge financing for stock, recognize that marketing spend is front-loaded but pays back through lifetime value. They structure funding that works with the actual cashflow reality of supplement businesses.
A sports nutrition brand was growing 30% monthly but constantly cashflow constrained. They needed £60k to fund a production run 8 weeks before Amazon revenue would arrive. Their bank said no because the business was only 14 months old and margins looked thin when they accounted for marketing spend. A specialist ecommerce lender approved £60k unsecured at 14% over 12 months, repaid from the Amazon sales cycle. The brand scaled from £25k to £80k monthly revenue using similar financing for each production run until cashflow normalized.
Most lenders want 6 to 12 months trading minimum for working capital. Some will fund earlier if there are strong pre-orders, subscription signups, or retail commitments. Manufacturing equipment finance is more flexible on trading history if the business plan is solid.
Lenders assess monthly revenue trends, not just annual turnover. They want to see growth trajectory. A business doing £15k monthly but growing 20% month on month is more attractive than one doing £50k flat. Minimum turnover requirements vary by lender, typically £60k+ annual turnover for larger unsecured amounts.
Direct to consumer brands often get better terms than wholesale-dependent businesses because margins are higher and customer data is owned. Amazon sellers need strong reviews and BSR rankings. Retail distribution needs proof of orders and shelf space commitments.
Product liability insurance is non-negotiable. Typically £2M to £5M coverage depending on products. Regulatory compliance documentation (certificates of analysis, third party testing, Trading Standards approval) gives lenders confidence. Non-compliant businesses get declined regardless of revenue.
Directors provide personal guarantees. Supplement founders often have mixed credit from bootstrapping earlier ventures or taking business risks. Lenders understand this. Recent clean conduct matters more than historical defaults, provided they are explainable.
Stock finance and marketing capital are easiest to approve because ROI is clear and timeline is measurable. General working capital needs more justification. Vague requests get scrutinized. Specific use cases with projected returns get approved faster.
You need £40k to fund a production run. Revenue from that stock will arrive in 60 to 90 days once manufactured, shipped, and sold. Lenders structure this as short term finance (3 to 12 months) to bridge the gap. Rates typically 10% to 30%+ depending on business strength. Some lenders specialize in Amazon FBA stock financing with very short terms.
You need £30k to scale Meta ads because your ROAS is 3.5x but you cannot fund the upfront spend. Lenders structure this over 6 to 18 months, betting that the marketing generates sales that repay the loan. They want to see proven ROAS and solid unit economics. Rates 12% to 40%+ depending on risk profile.
You need £50k general working capital to smooth cashflow, hire staff, cover overheads during growth phase. This is harder to get approved because ROI is less direct. Lenders want strong trading history, clear growth story, and confidence the business can absorb the repayments. Rates 15% to 40%+ for unsecured working capital.
You have formulations ready, manufacturer lined up, brand identity done. Need £20k to £50k for initial production run, website launch, and initial marketing. Some lenders will support this pre-revenue if the founder has relevant experience or existing customer base (personal training clients, social media following, existing business). Higher rates or personal assets as security expected.
You are doing £30k to £100k monthly, growth is strong, but cashflow is tight from funding stock and marketing. Need £50k to £150k to accelerate growth. Lenders view this favorably if unit economics work and customer retention is solid. Can often get unsecured funding at reasonable rates.
You have been DTC online, now have commitments from Boots, Holland & Barrett, or independent health stores. Need £40k to £120k to fund initial stock orders with longer payment terms. Lenders want to see proof of orders or letters of intent. Asset-based lending against purchase orders sometimes available.
You want to acquire a competitor brand, buy out a partner, or purchase an established supplement brand. £50k to £500k depending on size. Structured against the existing revenue of the brand being acquired. Lenders assess combined business cashflow.
You run an online supplement brand, want to open physical retail stores or franchise a supplement retail concept. £30k to £150k per location for fit-out, initial stock, working capital buffer. Mix of secured equipment finance and unsecured working capital typically works.
We start with a call to understand your business model, what you are funding, where the business is now, where you want it to go. We ask questions about compliance, sales channels, margins, customer acquisition cost, lifetime value (the things lenders will assess).
We then match you with 2 to 4 lenders from our panel who specialize in supplement and ecommerce businesses. Some focus on Amazon sellers, some prefer DTC brands, some specialize in retail distribution. We position your application to highlight what each lender cares about.
You provide bank statements, sales data (Shopify reports, Amazon seller central screenshots, retail invoices), compliance documentation, and a clear explanation of use of funds. Straightforward stock finance or marketing capital decisions come back in 24 to 72 hours. Larger amounts or acquisitions take 1 to 2 weeks.
LoanLogic connects supplement and health businesses to specialist lenders who understand the sector. We work with 70+ lenders including those who focus exclusively on ecommerce, Amazon FBA, and consumer goods businesses. Funding from £10k to £500k for stock, marketing, expansion, and acquisitions.
Founded by Ben, an independent gym owner and commercial finance broker with 16 years of finance experience. We prioritize finding the right funding structure over maximizing commission.
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