Simple, flexible business funding

Get funded from $1,000 to $1,000,000 in days. Repay as a fixed percentage of daily sales. Find the YouLend financing solutions with any of our partners.

Get funds quickly

Apply in minutes, get a quote on the same day, receive funds within days.

Repay as you earn

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

Simple affordable fee

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

Flexible top-ups

Once you’re on board, receive funding top ups same-day.

Trusted by 40,000+ 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 usually takes 5 - 10 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. Most of our merchants use the funding to buy stock, invest in advertising, carry out refurbishments, add a new location, or to manage a temporary disruption such as a lockdown.

What offers can I expect?

Your offers will be based on 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 offer up to two times your monthly revenue in funding.

As an example, if you have an ecommerce business that sells for $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 fixed percentage of daily sales.

For example, if your repayment 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.

This means that, unlike traditional business loans with an interest rate that is always ticking, the YouLend Advance 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 get the funds transferred the same day that you request it.

How do I find out my 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 and free cash flow of simply repaying in accordance with their fixed repayment percentage at no extra cost.