YouLend is a provider of business financing in the UK and Ireland.

Who are YouLend?

YouLend is a business loan company who offer alternative business finance as a cash advance. This is done by converting future card revenue and invoices into cash that you can access quickly. In 2018 YouLend merged with Liquid Finance who was another Merchant Cash Advance provider in the UK.

What type of funding does YouLend offer?

YouLend offers two types of financing products, a Loan Advance and a YouLend Advance.

The loan advance works by taking repayments as a percentage of monthly customer card transactions. This means that repayments are directly in line with company cash flow, making it more affordable and manageable. This loan is available for sole traders, limited companies and partnerships looking for more than £25,000 in business financing.

The YouLend advance is slightly different. It is a transaction that allows YouLend to take a specified portion of your current and future card transactions through a sale and purchase agreement. A percentage of money received into the business via card transactions is collected automatically. This rate is agreed upon beforehand though.

How do you apply and qualify for funding?

The application is designed to be quick and easy.

You will need to enter business details including the length of time you’ve been operating and your monthly card revenue along with other business details.

To be accepted, you will need to provide a guarantee from a director of the business. However, as repayment is based on revenue, you will only ever be charged an amount that you can afford.

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