No, eBay has selected YouLend as the preferred finance provider in the UK.
Get the financing your business needs to grow
Choose eBay Seller Capital with confidence
Fast
Apply in minutes, get approved today, and receive funds by tomorrow.
Flexible
Get an offer tailored to your business and customise your payment.
Trusted
Get funds from reputable lenders with no credit impact, hidden fees, or penalties.
Designed with eBay sellers in mind
| Features | eBay Seller Capital | Conventional financing |
|---|---|---|
| Get funds directly in your bank account in as little as 1 business day | ✔ | |
| Apply in minutes with no paperwork, phone calls, branch visits, or long waits | ✔ | |
| Personalised offers tied to your eBay sales | ✔ | |
| Includes sales from other online stores to increase your financing amount | ✔ | |
| Protect your personal assets–no guarantor or collateral needed | ✔ | |
| No impact on your personal credit | ✔ | |
| Customise your payment as a percentage of your eBay sales | ✔ | |
| No penalties for early repayment | ✔ | ✔ |
Find the right financing for you
| Product details | You Lend |
|---|---|
| Funding amount | £500 up to £2M |
| Credit score impact | No |
| Minimum qualifying revenue | £500 in monthly sales |
| Cost of financing | One fixed fee |
| Early payback fee | No |
| Payment | Based on a pre-agreed percentage of monthly gross sales |
| eBay Seller Tenure minimum | 3 months |
What eBay sellers are saying
DVS Power Tools, Gareth
“While it was very difficult to get traditional funding ,...eBay Seller Capital was a really simple, really easy process to follow… and a product that works really well for an e-commerce business."
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Aperture Abbey, James
“It was the fact that I had been acknowledged by a corporation, that my plan or idea had been agreed with – and that had not happened before.”
Watch VideoFrequently Asked Questions
You can apply on this page and typically get a quote the same day. In the application, you’ll be asked to share some basic information about your business, and business bank statements. This can take as little as 5 minutes, and if you prefer, you can speak to the YouLend team directly to help with your application.
You can use the funding for any business purpose. Most sellers use the funding to buy stock, invest in advertising or storage space, or to manage a temporary disruption to the business.
Your offers will be based on your eBay sales history, however, some financing types may offer more if you can demonstrate additional business revenue. The longer you've been trading and the higher your monthly revenue is, the better your offers will be.
Payments are made automatically as a pre-agreed fixed percentage of daily eBay gross sales or as fixed periodic payments via direct debit. You may be given a choice to configure this during the application process.
No. You’ll only be charged a single fixed fee, so you know exactly what you’ll pay up front.
If repayment performance is below expectation, lenders may contact you to arrange alternative repayment options that are better suited to your business.
Applying for finance through YouLend will not impact your credit score. However, taking out finance, and not paying, could impact your credit score.
You can find all of this information on the Seller Capital Page.
Yes, you can always make one-off payments free of charge if you would like to. If you paid a one-time fee for your loan, this will not reduce your fee.
If your offer is “pre-approved”, you will typically not be required to provide additional data. If your offer is “pre-qualified” or if you are “eligible”, you will have to provide certain limited additional information or documents about your cashflow, or alternatively may be able to connect your bank account through Open Banking. This depends on the product and lender you apply with.
Once approved, payouts often are made on the same day, at the latest in 1-2 business days.
You can configure your offer up to a maximum amount. If you have cashflow outside of eBay, you may be able to increase your offer by providing additional information to the lender.
If you see more than one offer, you can apply for all of them. However, you can take out only one loan through eBay Seller Capital at a time.
Once you have been funded and have repaid a significant part of your financing, you can usually get quotes for additional funding. If you are eligible, you will see this information in the dashboard of the partner website. If you do not see that you are eligible for a top up, you are not eligible for a top up.
Our partners allow one active eBay Seller Capital loan per eBay account. Combining multiple revenue streams, such as multiple eBay accounts for one larger loan may be possible if you submit additional documentation to the lender.
Depending on the structure of your business, multiple people may need to sign. Our partners will approach you based on your specific situation.
You can reach the YouLend customer service team at 0203 924 7643 or ebay@youlend.com.
Terms and conditions
eBay is not a lender, does not make credit decisions, and does not offer loans to eBay sellers.
eBay Seller Capital financing provided by YouLend. Subject to YouLend's terms and conditions. If you apply, eBay will transmit the following information to lender partners so that they can review your application: Your application details, your current feedback score, sales information from the last 24 months, and items sold/returns in the last 24 months. If your application is approved, eBay will also share your seller account status, listing information, and sales activity to help lender partners fulfil their financing agreement with you.