The fast, flexible way to fund
your next move
Get funding based on your card takings. Repay as a share of your daily sales
- more on busy days, less on quiet ones. Decision in as little as 24 hours.
Soft search, no impact on personal credit score. Decision in as little as 24 hours. No upfront fees.
funding available for eligible merchants
decision time in as little as...
approval rate for eligible merchants
Figures based on YouLend data at the time of publication. Approval rate refers to applications from merchants meeting eligibility criteria and is not a guarantee of approval. Time to decision is typical and not guaranteed.
Funding that fits how you trade
Whether you’re covering a quiet month, buying stock ahead of a busy season, or investing in growth
- get the cash flow you need without the paperwork of a traditional loan.
Apply in minutes
A short application with no reams of paperwork. Connect securely through Open Banking and we’ll take care of the rest.
One clear fee
A single fixed fee agreed up front before you accept. No APR, no compounding, no confusing jargon.
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Repay as you earn
Taken as a fixed percentage of your daily card takings. More when you’re busy, less when it’s quiet.
Top up as you grow
Once you've repaid part of your advance, you can apply for more - often at a higher amount if your business has performed well.
From application to funds in three steps
Apply in minutes
Tell us about your business and connect through Open Banking. Only a soft credit search - no impact on your personal credit score.
Get your decision
We’ll review your card turnover and trading history and come back with a funding offer, in as little as 24 hours.
Receive your funds
Accept your offer and the funds are in your account once you're set up with YouLend, and trading. Repayment starts automatically as you make sales.
No interest. No jargon. No surprises.
Your repayment percentage and total fee are agreed before you accept anything. No APR to decode, no penalty for the ebb and flow of everyday sales, and no fixed monthly commitment weighing on your cash flow.
One fixed % fee, agreed up front.
Repayments flex with your daily sales.
Top-ups and quotes for additional funds as you repay.
Clear terms in plain English.
Ready to fund your next move?
Applying takes a few minutes and won’t affect your personal credit score.
Business Funding is provided by YouLend, not by Alternative Payments Ltd t/a Judopay. YouLend's merchant financing is not regulated by the Financial Conduct Authority. Judopay acts as an introducer for YouLend and may receive a commission. Funding is subject to status, eligibility and YouLend's terms. For more information, see YouLend's regulatory information.
FAQs
Eligibility criteria applies to all our customers. The application process includes your card transaction history, business performance and credit information which contributes to your funding eligibility.
Once your application has been approved before the funds are available to use, the merchant account settlements must first be deposited into a segregated YouLend bank account.
Please note: if for example your settlement terms with the acquirer are T+3, it will take approximately three working days from the point at which the bank details are updated to those provided by YouLend for the first settlements to be received.
The funds will not be available for use until the first card payment settlements have been received by YouLend. YouLend will also ask you to nominate a bank account of your choice.
Once YouLend has collected the amount owed, the remaining settlement funds will be transferred to your nominated bank account.
- Repayment is based on a fixed percentage of your card machine takings.
- The repayment period is usually between 6-12 months.
You will be able to log into the YouLend portal to check the progress of your repayments, pay additional repayments and view the outstanding balance. YouLend will provide the information for you to access their portal, post funding.
Business funding is provided through our partner YouLend. You will be redirected to YouLend’s website to complete a short application form. Your credit score will not be affected as YouLend only performs a soft search.
YouLend is a short-term finance solution, meaning funding is provided with the understanding it will be repaid within one year.
Your credit score will not be affected as YouLend only performs a soft search. It will show a Financial Services Advisor has performed a search.
