Turn payment data into merchant capital

Use transaction, settlement, and payout signals to surface financing when merchants need it.

Become a partner
Capital at scale

Over 400,000 businesses funded

Built for PSPs, acquirers, ISOs, gateways, and merchant services platforms that want to turn payment data into a capital program.

15,000

business 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.
“YouLend aren't someone that just plug in and walk away, they're someone that builds with us and allows us to put our offers inside the app in a seamless way".

Mike Winwood
‍General Manager, Dojo
“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.”

Sahithya Vemana
Head of Banking, Teya
“The ability to add additional financing feature through YouLend’s integration has been game-changing for us!

Not only has it benefited Takepayment’s value proposition, but it has hugely benefitted our merchants who are looking to grow through funding.”

Jodie Wilkinson
Head of Partnerships, Takepayments
“Finding a partner who would provide great service and a great experience to our merchants was very important. YouLend’s solution was a great match to our needs.”

Yoon Choi
Senior Director Banking Relationships, Paysafe, USA

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 program with partner-ready messaging, campaign support, enablement, reporting, and ongoing optimisation.
Standard
Capital deployment
Infrastructure only
Configurable ownership
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 payment platforms, Loved by small businesses

“If I didn’t have the capital from YouLend I wouldn’t have been able to do what I’ve done here.”

Watch Trevor’s story: capital through Dojo, powered by YouLend.

YouTube Video
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Ready to talk?

We've just funded over £2billion with one partners.

Learn how we use transaction, settlement, and payout data build a successful capital program.

Talk to partnerships

Hear from our partners

Since partnering with YouLend, Epos Now has seen a significant uplift in business funding to our customers compared to previous partners we have used. This is due to the agnostic, flexible, and automated capital offering now in place.

‍

Ryan Heaphy
VP Strategic Partnerships EMEA
Epos Now

By partnering with YouLend, our sellers have access to fast and flexible business funding that can help them manage cashflows and focus on the bigger business challenges ahead.      

‍

Lawrence Bennett
Head of Financial Services Partnerships
eBay

Through our new partnership with YouLend, we can place funds in the hands of businesses that would have been otherwise locked out of funding, or would only have access to slow and expensive options.

We’re excited to keep exploring new ways to help our customers grow with fast, transparent, and flexible funding products.

Boyana Ivanova
Product Marketing
Tide

By partnering with YouLend, we can offer restaurants - our customers - access to fast and flexible financing that will help them manage their cashflow, overcome the any bumps on the way, and then grow sustainably.

Ardian Mula
Chief Executive Officer
Foodhub

YouLend has been an excellent partner to provide cash advance funding to our merchants. The APIs are very rich and well-documented and the solutions team made it a breeze to go live.

After going live, the team have been committed to working with us to continually enhance the merchant experience.

Product manager
Funding Options

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