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We have partnered with YouLend to offer flexible funding options to help businesses expand and build up their inventory. With this option, repayment is done as a fixed percentage of daily card takings. This means that if a business has a good sales month, they’ll pay a little more, and if it’s slow, they’ll pay a little less.
ONE FIXED FEE
Know what you’ll pay.
The repayment percentage is agreed up-front,this means you have complete control over your repayments, without having to worry about high APR or expensive interest rates.
Repay as you earn.
On days when your business is busier and your card takings are higher, you will pay back a slightly larger amount, and on slower days, you will pay back less. This repayment system is based on a small percentage of your daily card takings.
Apply in-app or online.
To apply for funding, you just need to provide some basic details about your business and select the amount you’d like to borrow. The application process takes only a few minutes.
Get your business moving.
After your business funding application is approved, you can expect to receive the funds within 48 hours. If you’re topping up your existing funding, the process may be even faster.
Take control of your business.
Have grand plans but need the funding to match? Look no further.
"Getting access to the money was easier and faster than I expected. I like the simplicity of small cash advances."
Applying online takes just a few minutes, and because you’ll only be subject to a soft search, it won’t affect your credit score.
Got some more questions about business funding? Take a look at our help centre article.
To be considered for funding through Easy Payments Solution, there are certain eligibility criteria that you must meet. This includes a review of your card transaction history, business performance, and credit information as part of the application process. This evaluation helps to determine if you qualify for funding and the amount that may be available to you.
Your pre-qualified funding amount may be adjusted to reflect changes to your regular trading.
The repayment period for the business funding depends on factors such as the amount of funding received, the agreed-upon repayment percentage, and your card turnover. Typically, the repayment period is nine months.
When checking your eligibility for funding, YouLend will conduct a soft search that won’t have a negative impact on your credit score. The search will only show that a Financial Services Advisor has conducted a search.
The amount of funding that you can receive depends on your monthly revenue and the length of time your business has been operating. Typically, the funding amount is around 0.8-1 times your average monthly card turnover. You’ll receive a quote after providing these details at the beginning of the application process.
The maximum repayment period available is one year, typically to be repaid within 6-9 months.
No. You will only pay back the percentage of your takings agreed up front.