Level up your business with Cash Advances

Need a little extra to supercharge your business? We've partnered with YouLend to offer flexible funding solutions based on your trading history

Quick & Easy Application

You can apply in just a few minutes through the Lopay app. Simply go to the ‘My Account’ section to begin. No forms to print or long processes to deal with.

Fast Access to Funds

You can receive funding within a few days, without complex negotiations. Pre-approved offers are based on your business activity, so you can find an option that fits your needs.

Flexible & Automatic Repayments

Repay through a simple percentage of your weekly earnings, so payments adjust with how your business is doing. And if you need additional funds later, you can request a top-up directly in the app.

Apply in app

Give your business a boost

The possibilities are endless when you apply in just three steps through the Lopay app, enabling you to receive funding instantaneously.

Expand locations

Help when you’re looking to expand to new locations or markets.

Build inventory

Boost your inventory levels so your bestsellers never run out of stock.

Protection

Protect your business from missed payments with suppliers.

Steady cashflow

Improve your cash flow and steady your business with cash advances straight to your bank.

Hire staff

Increase staff numbers and get more hands on deck to help take even more payments.

Invest in tools

Whether it’s new salon equipment or carpentry tools, cash advances can help you improve your services.

Apply in 3 easy steps

Once you have been trading with us for a few months and you are eligible, you’ll be able to apply for a Cash Advance. Here’s how in 3 quick steps.

Step 1
Go to ‘My Account’ in your Lopay app and tap ‘Need some capital?’
Step 2
Confirm your business details and tap ‘Submit’
Step 3
Once approved, simply choose the funding amount that suits you most

Frequently asked
questions

For more detailed information, please read our Cash Advance support article here.

Help Centre
How does the Cash Advance work?

Lopay works with YouLend Limited to offer cash advances to merchants using Lopay.

YouLend Limited is authorised and regulated by the Financial Conduct Authority (FCA) as a Payment Institution to provide payment services within the UK under firm reference number 947287. Find out more about YouLend here.

What offers can I expect?

You will be notified via email and within the Lopay app when a cash advance offer is available to you. A minimum of 3 months of trading history is required.

The longer you've been trading through Lopay and the higher your monthly revenue, the larger your offers will be. Typically offers will be up to two times your monthly revenue.

As an example, if you have an ecommerce business that has sales of £10,000 each month on average, and you started your business 12 months ago, you could be eligible for £15,000 in funding with a fixed fee of £1,500 and repayment of 20% of your daily sales.

How much will a cash advance cost?

With a cash advance you won't pay interest. You will only be charged a single fixed fee, so you know up front exactly what you will repay. All terms will be clearly set out in your Lopay app and you choose the size of the advance that suits you.

How will a cash advance be repaid?

If you receive a cash advance it will be repaid over an agreed period via deductions from the payments you take through Lopay. However, if you're earnings are lower than expected and deductions from your Lopay transactions are insufficient, YouLend reserve the right to take repayments direct from your bank.

Ready to give Lopay a try?

Lopay is free to download, with no contracts, commitments or monthly fees when you sign up. Take a look around the app to see what Lopay can do for your business!