Access flexible capital through QuickBooks & YouLend
Cash flow is one of the biggest challenges a business faces, even the most profitable ones. Late-paying customers, seasonal fluctuations, and unexpected expenses can all impact how smoothly a business runs.
That’s why QuickBooks has partnered with YouLend, a revenue-based finance provider in the UK, giving eligible businesses access to flexible working capital directly through the QuickBooks platform. Below is a detailed breakdown of how it works, who it’s for, and what to consider before applying.
Who are YouLend?
YouLend provides revenue-based funding, sometimes referred to as a Merchant Cash Advance. Instead of a traditional loan with fixed monthly payments and interest rates, YouLend offers businesses a lump sum of capital that’s paid automatically as a percentage of daily sales.
Through QuickBooks, eligible businesses can access funding amounts typically ranging from £1,000 to £1,000,000, depending on their sales performance.
How it works:
Fixed Fee, Not Interest: YouLend charges a single, fixed fee for the funding. There’s no compounding interest and no surprises over time. You know the total payment amount upfront.
Automatic Payments: Payments are collected automatically as a pre-agreed percentage of daily sales.
- Higher sales days → higher payment
- Slower days → lower (or no) payment. If your business has a day with no sales, no payment is taken.
How to apply in QuickBooks
If you’re eligible, the application process is straightforward:
- Go to Apps in QuickBooks
- Select Capital (take me there)
- Click Check for offers
- Provide basic business details and connect your bank account
- Review your offer and submit the application.
Important note: While the application is initiated inside QuickBooks, YouLend owns and manages the approval process.
Who is this best suited for?
YouLend through QuickBooks can be a good option for businesses that:
- Have consistent sales volume
- Experience seasonal or fluctuating income
- Need working capital for inventory, marketing, equipment, or expansion
- Prefer flexible payments over fixed monthly commitments
It may be less suitable for businesses with very thin margins or unpredictable cash flow that could struggle with daily deductions. Funding should support growth, not create additional stress.
Need help or have questions?
If you have questions about the product, your application, or how your funding works, contact the YouLend support team at customer@youlend.com.
If you’ve used YouLend through QuickBooks, consider sharing your experience below to help other community members make informed decisions.