Aumente las ventas de sus comerciantes con financiación empresarial.

Los mercados, las plataformas de comercio electrónico y las empresas de tecnología confían en YouLend para impulsar el crecimiento de los comerciantes con capital circulante para marketing, inventario y flujo de caja.

Capital at scale

Over 400,000 businesses funded

From inventory and supplier costs to seasonal peaks, capital helps sellers keep growing inside the marketplace they already use.

15,000

businesses funded
per month.

44%

of funded businesses were previously declined for funding elsewhere.

36%+

average sales uplift among funded businesses.

50%

reduction in churn compared to non-funded businesses.
“In collaboration with YouLend, this option allows sellers to increase their cash flow with confidence, allowing them to make repayments based on how their business is performing.”

Samarth Gogia
GM B2B Payments & Lending, Amazon
"By partnering with YouLend, our sellers have access to fast and flexible business funding that can help them manage cash flow and focus on the bigger business challenges ahead."

Lawrence Bennet
Head of Financial Services Partnerships, eBay

Capital configured

Every partner runs embedded financing differently. YouLend provides the capital components. You choose what to own in-house and what YouLend runs:
Configurable components

Every component is configurable and can evolve over time, with ownership assigned to the Partner, YouLend, or shared between both.

Balance sheet
Use YouLend capital, your balance sheet, or a blended model by agreement.
Underwriting
Run on YouLend models, add your data, or apply an agreed credit policy.
Origination
Run offers, agreements, and decisions through YouLend or inside your product.
Payout to merchants
Pay merchants through YouLend or connect routing, reconciliation, reporting to your flow.
Onboarding
Choose hosted, partner-branded, partly embedded, or Custom API journeys.
KYC
Utilise YouLends KYC flows or bring it in house via a reliance agreement.
Collecting repayments
Collect repayments through YouLend-managed methods or agreed payment-flow integrations.
Servicing
Keep first-line merchant support in-house or have YouLend run servicing.
Collections
Use YouLend-led collections, with governance options where partners provide capital.
Always with you

The most important component is never configurable, because the merchant relationship belongs to you.

Go-to-market
YouLend helps you launch, promote, and grow your capital programme with partner-ready messaging, campaign support, enablement, reporting, and ongoing optimisation.
Partner owns go-to-market. YouLend handles everything else.
YouLend owned
Partner owned
Co-Owned
Partner owns go-to-market. YouLend handles everything else.
YouLend owned
Partner owned
Co-Owned
Partner owns go-to-market. YouLend handles everything else.
YouLend owned
Partner owned
Co-Owned
Partner owns go-to-market and can run selected components in parallel with YouLend.
YouLend owned
Partner owned
Co-Owned
Trusted by e-commerce platforms, Loved by small businesses

“Funding by eBay and YouLend has grown my business two-fold.”

From funding to a diamond wire saw: how Meteorite Martin backed the next stage of growth.

YouTube Video

Ready to talk?

We're already powering capital for Amazon, eBay, etsy, Shopify and many more.

Request a preapproval exercise, chat to us about unit economics or learn more about how you could use our modular capital components.

Talk to partnerships

Escuche a nuestros socios