By applying online, you can typically get a quote the same day. Smarta Payments will send you a personalised link to start your application direct. In the application, you will be asked for information  about your business and your online and/or card terminal sales. This application can take as little as 5 minutes and our team are always available to assist if you have any questions.

You can use the funding for any business purpose - the choice is completely up to you! Most of our applicants use the funding for buying stock, investing in advertising, carrying out refurbishments or adding a new location.

Offers are based on an assessment of your online and/or card terminal sales history.The longer you've been trading and the higher your monthly revenue is, the better your offers will be. We can offer up to two times your monthly revenue in funding.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.

Repayment will happen automatically as a pre-agreed fixed percentage of daily sales. For example, if your repayment percentage is 20% of daily sales and you made £1,000 in sales on a given day, then £200 would go towards repayment and £800 would go to you. On days without sales, you will not repay anything.Unlike traditional business loans with an interest rate that is always ticking, your YouLend financing adjusts to your cash flows without any extra fees or charges.

Once you have been funded by us at least once, you can usually get quotes for additional funding and, subject to approval, you will usually receive the funding the same day that you request it.

Yes, you can always make one-off payments free of charge if you would like to.

You don't have to, however, most merchants prefer the flexibility of simply repaying in accordance with their fixed repayment percentage at no extra cost.