Suppose your business already has capital to deploy and credit models it wants to keep using. You need help with origination, KYC and getting funds to merchants.

That is a different brief from a platform that wants merchants to apply inside its product while YouLend funds and runs the financing.

Both can use the YouLend Capital Platform. In each case, we agree which parts your team runs and which YouLend handles.

The explorer below shows ten configurations, from balance sheet through to collections. Choose one to see how your team and YouLend could divide the work. Select Expand view for a closer look.

Supplying the capital is one decision

In Support for an existing capital program, the partner keeps its capital and credit models, alongside much of the financing operation. YouLend handles origination, KYC and payouts. The partner has specific gaps to fill in an operation it already runs.

In Partner-funded financing, the partner also supplies the capital, but YouLend handles underwriting and the financing operation. The partner leads marketing and communications to its merchants.

Both partners fund the program. Only one also runs its credit models. If your business has capital but wants support with underwriting, that is an arrangement to discuss with YouLend.

Your product team has a separate decision to make about the application. In Partner-led application journey, it controls how merchants apply, and your business leads communications. YouLend handles KYC and the financing operation. The application can be your team's focus without taking on the credit decisions as well.

Using your own payout systems

Now consider a platform that already has infrastructure for sending money to merchants. It may want to use those systems for financing payouts too.

The Partner-led payouts example shows that arrangement. YouLend provides the capital, underwriting and origination. The partner sends the approved funds to the merchant.

The practical work is in connecting the two operations. How does the payout system receive an approved funding instruction? How will the teams reconcile what was sent, and who investigates a failed payment?

Owning a payout system gives you a starting point. The work to connect it to the financing operation still needs to be scoped.

A shared role needs a clear handoff

A merchant contacts their account manager with a question about their financing. If servicing is shared, that account manager needs to know what they can answer and when to bring in YouLend.

Under Shared servicing, your account managers might take the first call and pass financing-specific queries to YouLend. That only works if they know where to send the query and who will get back to the merchant. Agreeing the follow-up is as much a part of the setup as deciding who takes the call.

Start with the work you want to keep

You can use the explorer to work through a possible change to an existing program as well as a new one. A platform might initially use YouLend for payouts, then assess whether its own payout infrastructure would fit. That would still need work on funding instructions and reconciliation before anything changed.

Choose the configuration closest to what you have in mind. Bring it to a conversation with YouLend, along with the responsibilities your team wants to retain and the ones you're still working out.

We can work through those decisions with you and scope a data exercise to assess the opportunity across your merchant base.

Map your capital program with YouLend.