Capital built for small businesses. Fast, flexible and simple.

Multiple financing products to meet your merchants’ specific needs. From revenue-based financing to a capital line they can draw from, we’ve got something for everybody.

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capital

Funding that grows with your merchants.

Seamlessly launch a financing solution that empowers customers to invest in their growth. Access is instant, embedded, and frictionless.

Personalised finance offers in a few clicks.

Tailored to their cash flow, seasonality, and sales patterns — our financing adapts to how your merchants actually run their business.

Build a custom journey. No code or capital required.

Integrate a fully-native capital product that matches your platform's look and feel. Start with a pilot and deepen integration as you go.

Complete go-to-market support.

Best-in-class infrastructure with deep insights to boost customer conversion.

GO TO MARKET

Create a financing experience that fits your merchants’ needs.

01. CAPITAL
02. FLEXIBLE
03. FIXED

Working Capital

Tailored to their cash flow, seasonality, and sales patterns — our financing adapts to how your merchants actually run their business.

Flexible Finance Line

Access funds quickly when you need them. A pre-approved line of capital that merchants can draw from multiple times, paying only for what they use.

Fixed Payments

Ideal for merchants who want predictability. Fixed Payments offer a clear funding amount with set repayments. No surprises, no stress.

01. CAPITAL
02. FLEXIBLE
03. FIXED
01. capital

Working Capital

Tailored to their cash flow, seasonality, and sales patterns — our financing adapts to how your merchants actually run their business.

02. Flexible

Flexible Finance Line

Access funds quickly when you need them. A pre-approved line of capital that merchants can draw from multiple times, paying only for what they use.

03. Fixed

Fixed Payments

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I don’t need to predict every business expense anymore. Now I just draw funds when I need them, whether it’s for stock, hiring, or a surprise opportunity.

Sarah H, Kensington Foods

It’s not just about having capital, it’s about having it when I need it. Whether it’s for a last-minute bulk order or inventory for sales season, the flexibility is perfect.

Jonathen L, Urban Nest Co
Satisfied customers

85% renewal

Once approved, 85% of small businesses return for a second round of financing.

FOR PARTNERS

Create your bespoke solution.

Build from 3 different options to launch your custom capital product.

Referral

Interested in launching a capital offering with no integration required? Our referral program lets you do exactly that.

Hosted

Launch a simple hosted journey, in your own branding. Deepen integration as you go with our quickest route-to-market.

API

Looking for more control over your merchants' experience? Use YouLend’s rich API to build your custom user journey.

Ready to get started?

We’d love to learn how we can help you connect more deeply with your merchants.

Get in touch