Business credit card alternative
Up to £2,000,000 business funding from YouLend, built into your ANNA business account. An advance on the revenue you’re already earning – assessed on your sales, not your paperwork.
400,000+
businesses funded by YouLend worldwide
£44.8m
already advanced to ANNA customers
4–12 months
typical repayment term
4.8/5
YouLend’s Trustpilot rating
An advance on money you’ve basically already earned
YouLend looks at the revenue flowing through your business – marketplace sales and payment provider flows from the likes of eBay, Just Eat, Teya or Dojo – and advances you up to two months’ worth of it.
The technical name is a merchant cash advance, or revenue-based funding. In practice it means getting at money your business is already generating, without the wait.
Slow week? You settle less
It settles automatically, as a fixed share of your sales comes in. Quiet week, less settled. No sales that day, nothing settled. There’s no fixed monthly payment sitting there whether trading was good or grim.
“Most small businesses aren’t short on revenue, they’re short on timing.”
“The money’s coming, it’s just not here yet. We built ANNA to get admin out of people’s way – waiting for your own money to arrive shouldn’t be one more thing on that list.”
From app download to funded, in 3 steps
Download the ANNA app.
It’s free to get started, on iOS and Android.
Open your ANNA business account.
You’ll have an account number, sort code and a card to start trading with.
Check your eligibility for funding.
Share your company details and upload 3–12 months of statements.
Funded straight into your ANNA account
You’ll receive the money into your ANNA business account, and then it settles itself – a fixed percentage of your daily sales, until the agreed amount is repaid. Typical terms run 4–12 months. Already have a business account with ANNA? Ask in chat about eligibility.
Built around your sales, not your paperwork
No origination fee. No hidden charges. You’ll never pay more than the amount agreed at the start.
Traditional business loan
- DecisionWeeks
- ApplicationForms from scratch
- CostInterest that accrues
- RepaymentFixed monthly amount, good month or bad
- Based onAssets and credit history
- Credit scoreApplication can leave a mark
Funding with YouLend
- DecisionDays, not weeks
- ApplicationCompany details plus Open Banking or your statements
- CostOne fixed fee, agreed upfront (3–25% of the amount funded)
- RepaymentA fixed share of daily sales – no sales, nothing settled
- Based onThe revenue you’re already generating
- Credit scoreApplying won’t affect your credit score
Spend it on whatever the business needs
There are no restrictions on what you use it for – including tax bills, which a lot of funders won’t touch. The most common uses we see:
Stocking up
Before a busy season, so you’re not turning away demand
Covering payroll
Through a slower month
Opening or refurbishing a site
A new shop, a second kitchen, a refit
Booking advertising
Now, for when the season picks up
Paying a tax liability
Without raiding the working capital
Covering an unexpected cost
Before it becomes a problem
The kind of investment that turns an okay month into a good one.
Check your eligibilityMost of it comes down to your sales
YouLend looks at how your business is trading rather than at assets or credit history alone. As a rough guide, they’ll want to see:
- More than £1,000 a month in revenue
- At least 86 days of sales visible in your bank statements
- Trading activity in the last month
What you’ll need to hand
Funding ranges from £1,000 to £2,000,000. YouLend says 80% of pre-qualified customers go on to be approved. Applying won’t affect your credit score, and an offer isn’t binding – plenty of people get the numbers on the table simply to plan ahead.
- Your company details
- Details for anyone who owns or controls more than 25% of the businessName, date of birth, home address, personal email and mobile
- Your financialsVia Open Banking or 3–12 months of business bank statements
Questions people ask first
From £1,000 to £2,000,000, with terms typically running 4–12 months.
One fixed fee, between 3% and 25% of the amount funded. It’s agreed upfront, doesn’t accrue over time, and there’s nothing else – no interest, no origination fee, no hidden charges. The rate depends on how much you take, the term you choose and your business’s risk profile.
Automatically, as a fixed percentage of your daily sales. If your share is 15% and you take £1,000 on a given day, £150 goes towards the funding and £850 comes to you as normal. On days with no sales, you repay nothing.
No. Submitting an application won’t affect your credit score.
It’s additional security on the agreement. YouLend only makes an offer when it believes the business can meet the repayments, so it’s a safeguard rather than something expected to be used. It won’t appear on your personal credit file, or as a charge on your company’s Companies House record.
You can connect through Open Banking, which is approved by your bank and can be revoked at any time, or upload 3–12 months of statements instead.
YouLend looks at sales performance and trends, affordability, your credit profile, recent borrowing and your online presence.
Yes, at any time. The fixed fee doesn’t change, so it’s worth a conversation with YouLend first about whether it’s in your interest.
Contact YouLend as soon as you can – ideally before you’re two weeks behind. If sales drop significantly and stay down, their support team will talk through the options.
Yes. You may be eligible for a top-up once you’re part-way through repaying, subject to YouLend’s criteria, and you can apply again once the funding is fully repaid. Only one facility is repaid at a time. Future offers and fees are priced on your circumstances at the time, so they may differ from your first.
See what you could get
It takes a few minutes, it won’t affect your credit score, and an offer costs you nothing to look at.
Already an ANNA customer? If you’re pre-qualified, you’ll see it in the app.
Funding is provided by YouLend, not ANNA. ANNA introduces customers to YouLend and does not lend. Eligibility criteria apply and not all businesses will qualify. Funding amounts, fees and terms depend on your business’s circumstances and are confirmed by YouLend before you sign. A personal guarantee may be required. This is a commercial funding product for business purposes only and is not regulated in the same way as consumer credit.