Get the financing your business needs to grow

No, eBay has selected YouLend as the preferred finance provider in the UK.

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.

Once approved, payouts often are made on the same day, at the latest in 1–2 business days.

If your offer is for a single financing (Sales-based Financing), the full amount will be sent directly to the bank account you confirm during your application.

If your offer includes Available Capital (such as a Flexible Growth Financing), you can take one or multiple financings as needed. Each financing is transferred to your verified bank account shortly after you request it.

If your financing uses sales-based payments, your payments are taken automatically as a fixed percentage of your daily eBay gross sales. You only pay when you sell.

If your financing uses fixed payments, these will be direct-debited from your bank account.

For Flexible Growth Financing - a fixed fee applies only when a new financing is taken, and the fee amount is based on the size of the financing and your overall outstanding balance of the account

If your financing uses sales-based payments, your payments will automatically match your sales. Because you pay a fixed percentage of your daily eBay gross sales, lower sales simply mean lower payments for that period. If payment performance is significantly below expectation, finance providers may contact you to arrange alternative payment options that are better suited to your business.

You can find all of this information on your Seller Hub page under Payments -> Seller Capital.

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 financing, this will not reduce your fee.

Once you have been funded and have paid a significant part of your financing, you can usually get quotes for additional financing directly from your finance provider.

Your top-up amount depends on your sales performance and how much of your existing financing you have paid.

If you see more than one offer, you can apply for all of them. However, you can take out only one financing through eBay Seller Capital per eBay account at a time.

Depending on your finance provider/product you choose, You can reach the YouLend customer service team at +44 (0)203 924 7643 or ebay@youlend.com or Liberis at +44 (0)303 313 0070 or info-uk@liberis.com

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.