Youlend Funding

Partnered with Apt Payment, YouLend offers a distinctive opportunity to secure swift and adaptable funding precisely when your business requires it the most. Get additional finances that are repaid through your card machine or e-commerce platform.

Access funding ranging from £10,000 to £1,000,000
Swift funds within days
Uninterrupted cash flow
Expert team on hand for assistance
Fixed percentage approach to repayments

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Did you know your card machine setup makes borrowing easier? With our partner, you can get a loan in days, with a transparent repayment plan.

Arrange Funding Today

YouLend offers Business Finance solutions where funding is seamlessly repaid through your card machine or e-commerce platform. The repayment mechanism operates by allocating a predetermined percentage of each card transaction towards settling the advance. This fixed percentage remains constant irrespective of the transaction amount, ensuring a consistent and proportional repayment structure aligned with your cash flow.

Borrow £10,000 up to £1 million on a manageable agreement arranged around your business income.

How Our Partner Loans Work

Application: Begin by submitting an application for Business Finance with YouLend, detailing your funding requirements.
Approval: Upon approval, YouLend will assess and approve the requested amount based on your business needs and financial standing.
Funding Transfer: Once approved, the agreed-upon funds will be swiftly transferred to your account.
Repayment Structure: The unique repayment structure involves a fixed percentage of each card transaction being earmarked for repaying the advance. This percentage remains constant, providing predictability in your repayment plan.
Card Transactions: As your business receives payments through card transactions, a proportionate amount is automatically directed towards repaying the Business Finance advance.
Consistent Repayment: Regardless of the transaction value, the repayment percentage ensures a consistent and proportional flow, aligning seamlessly with your business’s cash flow dynamics.
Ongoing Support: YouLend provides ongoing support, ensuring a transparent and manageable process throughout the repayment period.

By integrating this Business Finance process from YouLend, your business can benefit from a streamlined and flexible financial solution that adapts to your unique cash flow patterns.

Get Funding in Days - Apply Now

    
 
 
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   Saman Hassan 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
  
 
      Posted on Google  
   
   Anita Kaur 
 26 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
  
 
      Posted on Google  
   
   JJ_n_TY Chitiyo 
 22 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
  
 
      Posted on Google  
   
   Brenda Chikosha 
 25 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
  
 
      Posted on Google  
   
   Caphas Chisangowerota 
 22 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
  
 
      Posted on Google  
   
   MUHAMMAD ZAMAN WARRAICH 
 17 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
  
 
      Posted on Google  
   
   Robin Sharma 
 14 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
  
 
      Posted on Google  
   
   isaac ogundiran 
 10 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
  
 
      Posted on Google  
   
   Rebwar 
 24 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

Flexible Funding Options

Through our partnership with Youlend, there are two different options of loans to choose from.

Cash Advances

Flexible Funding: Cash advances provide businesses with flexible financing options
Card Transaction Basis: The funding relies on the business’s card transactions
Versatile Usage: Businesses can use the cash advance for various needs, including recruitment, refurbishment, stock acquisition and expansion

Business Cash Advances

This option provides a type of loan for businesses with a fixed maturity date. Repayment happens through the great of:

a fixed percentage of the merchant’s card takings
a weekly minimum amount, whichever is greater

This loan is only available to incorporated entities, such as private limited companies, public limited companies, limited partnerships, and partnerships where 2/3 of the partners are incorporated entities.

The credit given to the merchant is strictly for business purposes.

The loan agreement is not subject to regulations and legal protections applicable to consumer credit or regulated mortgage contracts.

The Benefits

How does our partnership benefit you and your business?

Tailored Unsecured Funding: Access £10,000 to £1,000,000 for businesses with minimal assets but substantial card transactions
Flexible Repayment Aligned with Earnings: Repay based on cash flow, linked to future card sales with an agreed percentage
Rapid Funding Process: Expect funds in 1-7 days with a seamless application-to-funding process
Transparent and Trackable Financing: Real-time online tracking for full transparency in the repayment process
Cost Clarity and No Hidden Fees: Clear and straightforward financing with no hidden fees, late payments, or undisclosed costs
Effortless Renewal Options: Over 80% of customers seamlessly renew funding, ensuring an easy renewal process

FAQ

What are the requirements for applying for funding from YouLend?

To qualify for funding from YouLend, your business must have a trading history of at least three months. Additionally, you should be currently accepting card payments, whether through a physical card machine or online using an e-commerce payment gateway. Youlend works with all major card companies including Worldpay, Barclaycard, global, Paymentsense, dojo, Evo, trust, Sumup, Zettle, PayPal, square, Elavon, clover, Card Net, Paypoint, First Data, and Amazon. If your business does not use one of these, alternative options may be considered, but you will need to reach out to YouLend for further information. It is essential to maintain a minimum monthly turnover of £1,500 in card transactions to meet the eligibility criteria for funding.

What is the maximum funding amount available?

The maximum amount of funding available is £1 million.

What is the process for repaying my cash advance?

The repayment process for your cash advance is seamless, as it is automatically deducted from your card revenue. Every time a customer makes a card payment, whether through your card machine or e-commerce platform, a predetermined fixed percentage of that transaction is allocated to repay the advance. This agreed-upon percentage remains constant, irrespective of the transaction value, ensuring a consistent proportionate repayment aligned with your cash flow. This repayment mechanism persists until the entire advance is settled.