Simple, flexible business funding

Apply for funding ranging from £3,000 to £1M in just a few clicks. Use the funding for any business purpose - whether its to invest in inventory, renovating or hiring new staff.

Receive funds quickly

Apply in just a few clicks, receive a quote in less than 24 hours, and receive funds directly in your bank account.

Repay as you earn

Repay only a small, fixed percentage of your daily sales (typically 5 - 20%).

Transparent pricing

Pay just one flat fee that is agreed up-front (as little as 3%).

Flexible top-ups

Once you’re been approved, receive funding top ups on the same-day.

Trusted by 150,000+ merchants

Whether it's to invest in advertising, buy supplies, or hire employees, we're here to help boost your cash flow.

We approve 9 out of 10 businesses for funding

You are eligible if your business has been trading actively for more than 3 months and is making more than £1,500 in monthly sales online or through a card terminal.

Find out how much you could be advanced:

What is your monthly card revenue?
How long has the company been operating?
You could be advanced up to:


How do I get a quote?

By applying online, you can typically get a quote the same day.

The best way to apply is through the personalised link shared with you by one of our partners, for example your e-commerce platform or payment service provider.

In the application, you will be asked to tell us more about your business and your online and/or card terminal sales. This application can take as little as 5 minutes and our team are always available to assist if you have any questions.

Can I apply directly?

You can also apply for funding directly with YouLend if you do not have a personalised link from one of our partners. To start your application, sign up here.

What can I use the funding for?

You can use the funding for any business purpose - the choice is completely up to you! Most of our applicants use the funding for buying stock, investing in advertising, carrying out refurbishments or adding a new location.

What offers can I expect?

Offers are based on an assessment of your online and/or card terminal sales history.

The longer you've been trading and the higher your monthly revenue is, the better your offers will be. We can offer up to two times your monthly revenue in funding.

As an example, if you have an ecommerce business that has sales of £10,000 each month on average, and you started your business 12 months ago, you could be eligible for £15,000 in funding with a fixed fee of £1,500 and repayment of 20% of your daily sales.

How will I repay?

Repayment will happen automatically as a pre-agreed fixed percentage of daily sales.

For example, if your repayment percentage is 20% of daily sales and you made £1,000 in sales on a given day, then £200 would go towards repayment and £800 would go to you. On days without sales, you will not repay anything.

Unlike traditional business loans with an interest rate that is always ticking, your YouLend financing adjusts to your cash flows without any extra fees or charges.

Do I pay interest on YouLend financing?

No. You will only be charged a single fixed fee, so you know exactly what you will repay up front.

Can I get a top-up?

Once you have been funded by us at least once, you can usually get quotes for additional funding and, subject to approval, you will usually receive the funding the same day that you request it.

How do I find out my outstanding balance?

To find out your outstanding balance, you can simply log in to your YouLend account which shows you your full payment history.

Can I make a one-off payment to pay down my advance early?

Yes, you can always make one-off payments free of charge if you would like to.

You don't have to, however, most merchants prefer the flexibility of simply repaying in accordance with their fixed repayment percentage at no extra cost.