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If your business processes online sales and needs fast, flexible capital, without the red tape of traditional lending, YouLend may be a strong fit.
Unlike banks or legacy lenders, YouLend specializes in embedded finance for e-commerce platforms, marketplaces, and SaaS providers. Its white-labeled platform powers business funding for major names like Shopify, Dojo, and Amazon, and now it’s available to merchants directly.
Swoop will break down YouLend’s product range, fees, eligibility, and how to apply, so you can decide if the company is right for your next stage of growth.
An overview of Youlend business loans
YouLend offers working capital designed for SMEs that sell online or process card transactions. Their products are fast, flexible, and fully digital, with offers generated in minutes and funding possible in as little as 48 hours.
Here’s how their core financing options break down:
Unsecured business loans
YouLend’s business funding is unsecured, meaning no collateral or personal guarantees are required. Instead, approval is based on real-time sales performance and business data, making funding more accessible to a broader range of businesses, including those who may not qualify for traditional loans.
Revenue-based financing
Revenue-based financing is YouLend’s most common structure. Businesses receive a lump sum upfront and repay it automatically through a fixed percentage of daily sales. This model adjusts with your revenue. Repayments are lower during slower periods and higher when sales increase, helping smooth out cash flow.
Repayment terms are typically short (usually 6 to 12 months), and there are no interest charges, just a single fixed fee that’s agreed upfront.
Fixed payment financing
For businesses that prefer predictability, YouLend also offers fixed payment financing. This option provides the same upfront funding but with set repayments on a fixed schedule (e.g., weekly or monthly). This can help with budgeting and forecasting, especially for businesses with stable revenue.
Additional funding products
In addition to its core capital offers, YouLend provides a few complementary services:
- Flexible Capital Line: Pre-approved funds you can draw from multiple times, paying only for what you use.
- Instant Payouts: Enables platforms to pay merchants immediately after a sale, reducing cash flow friction. Comes with no interest, just a small fixed fee.
- Spend Management (currently in beta): Business accounts, bill pay, and card tools to help merchants manage funds more efficiently.
What are YouLend’s fees and costs?
YouLend doesn’t charge interest. Instead, you pay one transparent, fixed fee, typically a percentage of the funded amount. This fee covers the cost of capital and servicing and is agreed upfront, so there are no surprises.
The exact fee depends on your business’s sales history, funding amount, and repayment method (revenue-based or fixed). While YouLend doesn’t publicly list standard ranges, offers will vary depending on performance.
Key points:
- No interest or compounding fees
- No setup or application fees
- No late payment fees
- One fixed fee per funding agreement
How much can I borrow with a Youlend business loan?
YouLend offers funding from a few thousand dollars up to $2 million, depending on your monthly sales volume and business history.
As a general rule, your offer size will be based on your current sales data. YouLend will assess your transaction history through connected platforms to determine how much capital your business can responsibly repay.
Example: A business generating $12,500 per month might qualify for an advance of around $16,250, though this varies.
What is the acceptance rate for a Youlend business loan?
YouLend reports that 9 out of 10 eligible applicants are approved, thanks to its data-led underwriting model.
Rather than rely on credit scores or personal assets, YouLend uses sales and transaction data to assess risk and generate offers. This makes it appealing for founders with thin credit files, limited trading history, or recent growth.
Eligibility criteria and whether you qualify
To qualify for funding through YouLend, businesses typically need to meet the following criteria:
- At least $10,000 per month in revenue
- 6+ months in business
- Process card or online sales
- Operate in a supported region (e.g., US, UK, EU)
YouLend supports a wide variety of industries, particularly e-commerce, retail, food services, hospitality, and SaaS.
Additional information:
Beyond the basics, like how much you can borrow or how to qualify, there are a few more details worth knowing before applying with YouLend. From repayment flexibility to funding speed, here’s what to expect once you’re approved.
Early repayment fees
YouLend does not charge early repayment penalties. If your revenue increases and the funding is paid off early through revenue-based repayments, you simply complete the agreement sooner, with no additional charges.
How long does it take to get approved?
Approval can be incredibly fast, YouLend states that many applicants receive a decision within minutes to hours after submitting.
Estimated time to receive funds
Once approved, businesses can typically receive funds within 24 to 48 hours. Instant payouts may be available to partners for even faster access.
Can a loan be repaid early?
Yes. Revenue-based repayments naturally speed up when sales are strong. You can also opt to pay off the remaining balance early without penalty.
Is security required?
No. YouLend does not require any form of collateral or personal guarantees. All funding is unsecured.
What documentation is required
YouLend’s application process is 100% digital with no physical paperwork required.
Business information
- Business name, industry, and registration details
- Revenue and trading history (connected via platform or dashboard)
Business owner information
- Personal ID verification
- Ownership percentage and contact details
Funding requirement
- Desired funding amount
- Intended use of funds (e.g. inventory, marketing, expansion)
How to apply for a Youlend business loan
Applying with YouLend is fast and digital, typically completed in under 10 minutes.
Is the application process different to other lenders?
Yes. Rather than lengthy paperwork and credit checks, YouLend connects directly to your business platforms (like Shopify, Stripe, or your POS system) to assess performance. Based on this real-time data, personalized offers are generated, often the same day.
How to improve your chances of getting funded
- Maintain consistent and verifiable revenue through online or card-based sales
- Keep your business account in good standing
- Connect all relevant platforms during the application to provide a full data picture
Pros & cons of a Youlend business loan
YouLend’s model offers fast, flexible funding, but it won’t be the right fit for every business. Below, we break down the key advantages and potential drawbacks to help you decide if YouLend aligns with your needs.
Pros
- High approval rates (even for newer or underbanked businesses)
- Fast application and funding (in as little as 24 to 48 hours)
- No interest, no collateral, no hidden fees
- Revenue-based repayments adjust with your business
- Strong partner ecosystem (Shopify, Amazon, eBay)
Cons
- Shorter terms (typically under 12 months)
- Not ideal for businesses with low or offline-only sales
- Spend management tools still in beta
Alternative funding options for different lenders
While YouLend is ideal for digital-first businesses, it may not suit all SMEs, especially those looking for longer-term loans, SBA funding, or large-scale project finance.
If you’re unsure whether YouLend is the best fit, it’s worth comparing other lenders who specialize in:
- Traditional term loans
- SBA loans
- Equipment financing
- Business lines of credit
- Merchant cash advances
Why use a finance broker?
Brokers like Swoop take the guesswork out of business funding.
By applying once through Swoop, you can compare options from YouLend and other lenders side by side, helping you find the best-fit solution based on your revenue, goals, and risk profile.
This saves you time, avoids unnecessary credit checks, and increases your chance of approval.
Get started with Swoop’s business funding platform
YouLend is a standout for businesses that rely on online sales and need fast, flexible working capital. But is it the best fit for your goals?
With Swoop, you can compare lenders like YouLend against other tailored options, whether you’re focused on inventory, marketing, or simply boosting cash flow.
Your next stage of growth could be one smart decision away. Apply with Swoop today and discover funding that fits your business.
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