Small business funding that works wherever you do

Business financing
Whenever sales fluctuate, more capital can make a difference. Our business funding options help you cover payroll, improve cash flow and grow your business. No matter what you need, we’re here to help you every step of the way.
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Business funding — for whatever’s coming next

Need faster funding? Better cash flow? Or working capital to help your small business grow? We’ve got you covered.
Choose a cash advance
Access working capital that adjusts as your sales do and get your cash flow under control with Flexible Funding powered by YouLend.
Start your YouLend application
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  • A merchant cash advance of your future sales
  • Higher approval odds and fewer restrictions
  • No locked-in payments or impact to your credit score
  • A quick application process in less than 10 minutes
  • No collateral or high credit history required
  • An ideal solution for payroll, inventory or anything else
Grow your business
Choose from a selection of customized loan and financing options with Capital powered by Lendio for the long-term growth of your small business.
Find a match with Capital
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  • Financing options for long-term projects and growth
  • Loan options that can be customized to your needs
  • A network of 75+ leading lenders at your fingertips
  • A comparison of lenders to find your perfect match
  • A 15-minute application — no impact to your credit score
  • Up to a $250k line of credit or loans from $5K-$5M

Fund your future with a merchant cash advance

Flexible Funding powered by YouLend gives you access to working capital in days, unlike traditional loans that can take weeks. If you qualify, your funding comes out of future sales, and repayments adjust as you sell more. Manage cash flow and ride out seasonal lows with a cash advance.
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Apply quickly with no impact to your credit

It takes less than 10 minutes to complete the YouLend application process, and it won’t impact your credit history. There’s no interest or hidden fees — you only pay a fixed amount you agree upon upfront.
Get started with YouLend
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Financing options that flex as your sales do

Flexible Funding powered by YouLend offers short-term funding whenever, wherever you need it most. Boost cash flow, cover unexpected expenses or invest in inventory. Whatever you need, it’s at your fingertips.
  • Use business financing and credit lines as you need to
  • Pay back your funding typically within 3-18 months
  • Get fast access to a lump sum upfront, typically up to $2M
  • Repay through a fixed percentage of your future sales
  • Get approved online and funded in as fast as 48 hours*
  • Qualify based on sales history, not high credit scores
Start your YouLend application

Dream big with business financing and loans

Get fast approvals and simplify your repayment schedule with business financing and loans from Capital powered by Lendio. Discover loan options from a marketplace of 75+ lenders — and then compare your financing options to find the best fit for your business needs.
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Explore small business loan options to scale faster

Capital powered by Lendio connects you to lenders that help you finance your next move, from purchasing new equipment and technology to buying real estate and everything in between.
  • Apply in less than 15 minutes with no impact to your credit
  • Typically receive financing within a week of your application**
  • Compare lenders and find the right match for your business
  • Focus on running your business while Lendio does all the rest
Get started with Capital

Complete one simple application

Fill out a single application to be considered for an SBA loan, a business line of credit, a term loan, equipment loans and many more.

Get matched to multiple lenders

Connect your business profile and financial data to a secure, digital network of 75+ lenders, even if you don’t qualify for traditional loans.

Compare offers and choose the best

Be considered for different loan amounts, terms, interest rates and repayment schedules, and then pick the loan that’s right for you.

Repay your loan on a fixed schedule

Get structured repayment terms to make monthly payments, or set up a custom schedule that works for your lender and small business.

Business funding FAQs

Global Payments business funding solutions are designed to give small businesses access to capital when they need it most.

Flexible Funding powered by YouLend is a merchant cash advance, providing small business owners fast access to financing based on their sales. It’s an alternative way for businesses to get funding when a traditional loan isn’t available. It helps small businesses get quick working capital to support cash flow, payroll and inventory or pay for any other unexpected expenses. Small businesses with high transaction volumes, wavering annual revenue or seasonal highs and lows may benefit most from Flexible Funding.

Capital powered by Lendio is longer-term financing that’s structured for growth capital, including expanding into new markets and acquisitions. This business financing solution is perfect for merchants seeking to scale, open new locations, buy real estate or launch new technology.

YouLend is a global embedded financing platform with expertise in revenue-based business funding. YouLend can underwrite businesses using sales performance data rather than traditional credit scoring.

Global Payments has partnered with YouLend to offer our customers fast, flexible and fair funding to help with cash flow fluctuations and other immediate needs. YouLend has higher approval odds, fewer restrictions and no required collateral.

Flexible Funding powered by YouLend funds in as little as 48 hours, if you’re eligible.

Get started with YouLend

Capital powered by Lendio is a business financing solution that gives small and mid-sized businesses access to a marketplace of lenders. These lenders offer structured financing that includes term loans, SBA loans, business lines of credit and equipment loans.

Unlike a merchant cash advance that can solve short-term cash flow issues, Capital provides short-term loans and larger, longer-term financing that merchants use to fund growth and scale faster.

Lendio is the nation’s leading small business financing platform, working with more than 75 lenders to provide businesses with more options to borrow and nearly any type of loan, including microloans (under $50,000).

Global Payments has partnered with Lendio to offer a robust marketplace of lenders, including financial institutions, credit unions and loan programs. Some are traditional banks that are FDIC-insured or loans offered by the U.S. Small Business Administration.

Lendio offers a wide range of structured financing options including term loans, business lines of credit, equipment loans and other alternative business financing, some of which carry lower interest rates than traditional loans.

To meet Lendio’s eligibility requirements, you must have at least 6 months of business operation; at least $100,000 in revenue per year; a credit score of 550 or higher; and provide three consecutive monthly bank statements demonstrating your overall business health.

Yes, you can refinance and consolidate existing bank loans through Lendio’s marketplace, which connects your small business with more than 75 lenders to find better types of loans and lower interest rates for existing debt.

Once you accept the loan option that’s right for you, Capital business financing can hit your business bank account in as little as 24 hours (though certain restrictions may apply, depending on the lending partner).

Get started with Lendio

*Terms and conditions apply. YouLend charges a one-time fixed fee that is disclosed up front. There are no ongoing interest charges or hidden fees. Funding is provided by and at the discretion of YouLend US LLC. Merchants must apply for this directly with YouLend US LLC. Neither Global Payments nor any subsidiary or affiliate company provides regulated lending, financial advice, recommendations or brokerage services.

**Merchants must apply directly with Lendio, Inc. Lendio is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Neither Global Payments nor any subsidiary or affiliate company provides regulated lending, financial advice, recommendations, or brokerage services.