YouLend sends clients cash when they need it and collect it when they don’t need the cash. This allows clients to focus on growing and developing their business instead of wasting time and effort on finance and worrying about fixed repayments.
YouLend's products are simple, transparent and easily accessible providing clients with a healthy alternative to traditional banking products. They provide Loan Advances, an unsecured amortising loan with a fixed maturity date. The loan is repaid (amortised) through the greater of (1) an amount equating to an agreed fixed percentage of the merchant’s card takings, and (2) a weekly minimum amount.
They also provide merchant cash advance loans. This is a transaction whereby the merchant sells, and the purchaser purchases a specified portion of the merchant’s current and future card receivables through a sale and purchase agreement in consideration of a purchase price paid to the merchant.
YouLend offers flexible and sustainable business financing. The application and credit assessment process is 100% online meaning there is no need for a physical meeting.
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