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 credit score. Decision is as little as 24 hours. No upfront fees.
funding available
typical time to decision
approval rate for eligible merchants
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 hidden charges.
.jpg)
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 60%, 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 credit score.
Get you decision
We’ll review your card turnover and trading history and come back with a funding offer, often within 24 hours.
Receive your funds
Accept your offer and the funds are typically in your account within five working days. Repayment starts automatically as you make sales.
No interest. No small print. 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.
Same-day top-ups once 60% repaid.
Clear terms in plain English.
Ready to fund your next move?
Applying takes a few minutes and won’t affect your credit score.
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, you will receive the funds within 1-5 days.
Repayment is based on a fixed percentage of your card takings. The repayment period is usually between 6-12 months. You can log into the YouLend portal to check the progress of your repayments, pay additional repayments and view the outstanding balance.
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.
