London, UK – 14 JANUARY – YouLend, the leading global embedded financing platform, has partnered with Teya, the financial services provider supporting local businesses across Europe, to expand its credit offering and simplify access to flexible funding for Teya’s growing community of more than 30,000 members in the UK, ahead of further launches into Teya’s other European markets in 2026. The partnership introduces Teya Cash Advance powered by YouLend, a simple funding solution that makes it easy for merchants to apply for, accept, and renew funding.

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Through this partnership, Teya will offer a streamlined capital solution to more merchants. Eligible merchants can access between £1,000 and £2 million directly through the Teya app or portal, with pre-approved offers generated from anonymised payment data. The seamless application and approval process enables merchants to receive funding in as little as 24 hours.

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Repayments are automatically linked to each merchant’s card machine sales, so businesses only repay when they earn. This helps merchants manage cash flow more easily and grow at their own pace.

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Teya selected YouLend for its scalable, multi-market funding platform and its proven track record of supporting over 350,000 businesses globally with a repeat financing rate exceeding 85%.

“Teya was looking for a partner that truly understands the needs of their merchants and sales partners,” said Dan Sinclair-Taylor, Country Head UK & ROI at YouLend. “Our platform helps them reach more eligible merchants, bolster conversion, and deliver a funding experience that feels as intuitive as the rest of Teya’s platform.”

“Everything we do at Teya is to help make the financial lives of small and local businesses easier so they can focus on serving their communities,” said Sahithya Vemana, Head of Banking at Teya. “That’s why we partnered with YouLend. By offering merchants a flexible funding solution that is fair, transparent, and includes features built for their needs, like repayments linked directly to card machine sales, they no longer have to worry about access to finance and can instead focus on what they do best.” 

The partnership has launched in the UK and will expand across Europe in the coming months.  Together, YouLend and Teya are working to close the funding gap for small and local businesses and extend funding to as many eligible merchants as possible.