YouLend & Teya launch SME cash advances in UK, Europe
YouLend has partnered with Teya in the UK to launch a new cash-advance product for small and medium-sized businesses, with plans for a broader European rollout.
The product, branded Teya Cash Advance, is now available to more than 30,000 UK SME customers through the Teya app and merchant portal. Funding ranges from GBP £1,000 to GBP £2 million.
The partnership marks YouLend's latest agreement with a payments and financial services provider serving small businesses. Teya operates across Europe and supports more than 75,000 local businesses with payments, business accounts and expense management tools.
Eligible merchants receive pre-approved offers generated using anonymised payment data. The companies said the approval process can deliver funds in as little as 24 hours.
Repayments are linked to card machine sales, adjusting automatically in line with sales volumes. Merchants repay only when they process card payments through Teya terminals.
The cash-advance product is embedded within the Teya app, which also includes point-of-sale tools, business accounts with a Teya card, and expense management features.
YouLend positions itself as an embedded financing provider for eCommerce, payments and technology platforms. The company operates in more than 10 countries and said it has delivered over 370,000 financings, with a repeat financing rate above 85%.
Its partner network includes Amazon, eBay, Shopify, Etsy, SumUp, Tide and Dojo.
Teya said it selected YouLend to support a multi-market funding platform, with further European launches planned for 2026.
Embedded finance has become an increasingly competitive area for payments firms and software platforms as providers seek to integrate lending products into tools already used by merchants. Many models rely on transaction histories and operating data to assess eligibility and structure financing.
"Teya was looking for a partner that truly understands the needs of their merchants and sales partners," said Dan Sinclair-Taylor, Country Head UK & ROI, YouLend. "Our platform helps them reach more eligible merchants, bolster conversion, and deliver a funding experience that feels as intuitive as the rest of Teya's platform."
"Everything we do at Teya is to help make the financial lives of small and local businesses easier so they can focus on serving their communities," said Sahithya Vemana, Head of Banking, Teya. "That's why we partnered with YouLend. By offering merchants a flexible funding solution that is fair, transparent, and includes features built for their needs, like repayments linked directly to card machine sales, they no longer have to worry about access to finance and can instead focus on what they do best."
The companies said the partnership has launched in the UK and will expand across Europe in the coming months, with additional market launches planned for 2026.