Get the financing your business needs to grow

No, eBay has selected YouLend / Liberis as the preferred finance providers in the UK.

Seller Capital partners may offer different types of business financing depending on your eligibility, such as sales-based financing or Flexible Growth Financing. Your available financing options will be visible during your application.

Seller Capital is designed for growing or established eBay businesses that need fast access to working capital - for example to buy inventory, invest in advertising, expand storage capacity, or manage temporary cashflow challenges.

You can apply once you’re logged into your account.  In the application, you’ll be asked to share some basic information about your business. This can take as little as 5 minutes

Most applicants receive feedback on the same day they apply. If more information is required, the finance provider will contact you directly.

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.

Your maximum offer depends on your eBay sales history and, where applicable, revenue from outside eBay. Higher turnover and consistent trading usually result in higher eligible amounts.

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 finance provider.

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 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 finance provider you apply with.

Applying for finance will not impact your credit score. However, taking out finance, and not paying, could impact your credit score.

Our partners allow one active eBay Seller Capital financing per eBay account. Combining multiple revenue streams, such as multiple eBay accounts for one larger financing may be possible if you submit additional documentation to the finance provider.

Our finance partners charge a fixed fee for your financing(s). You do not pay interest or origination fees. The full cost of your financing is shown upfront before you request funds.

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 and Liberis. Subject to each finance provider’s terms and conditions. If you apply, eBay will transmit the following information to these finance providers 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.