How can finance help your business?
Date: 02/06/26
In 2026, it is becoming increasingly common for businesses to take out finance. With extra funds, business owners can allocate spend to the areas of their business that need it most. From refurbishments, building up stock, getting more staff or simply stabilising their cash flow, there are many ways finance can help businesses.
Business finance can be a quick form of income with eligible applications being approved within 2-4 days of applying. This allows businesses owners to continue with their growth plans quickly and efficiently, prioritising the needs of their business.
Is finance for business right for you?
If you are looking for a quick source of income to help your business grow, business finance could be a good option for you. Whether you’re looking to expand, smooth cash flow or simply want to protect your personal wealth, there are a range of business finance options available.
To determine whether business finance is right for you, first outline your business goals and the obstacles that are currently preventing you from reaching them. For example, if you need a cash injection to increase staff levels over a busy period, but you don’t have the funds to facilitate this, receiving finance for your business could help cover these costs to keep your business running as effectively and efficiently as possible.
However, business finance is not suitable for everyone, and you need to assess whether you can meet the repayment terms before agreeing to take out any finance. Failing to do so could result in late fees, damaged credit or legal action. In your loan agreement, the consequences of failing to repay will be outlined with details on the legal action that could be taken. Be sure to review this when in the application process.
How can business finance help your business grow?
Securing finance for your business can be the perfect solution for growth.
Having some extra cash can simply help to stabilise your cash flow or can work to expand your business.
Depending on the type of finance you are exploring for your business, it can be very flexible, meaning you can use it for whatever your business needs at the time.
How does business finance impact cash flow and scaling?
Business finance plays a valuable role in managing cash flow and scaling a business.
Cash flow can be stabilised through business finance as it can help to decrease financial strains such as paying your employees, buying stock or paying the bills.
If exploring a cash advance, these can help to scale a business by providing quick access to funds to cover any upcoming, sudden or unavailable costs.
How does business finance help smaller businesses?
Business finance can be especially valuable for smaller businesses, particularly in their early stages or during periods of growth.
In 2026, many small businesses seek finance to support cash flow or cover day-to-day costs.
For smaller businesses, having access to funding can make it easier to manage quieter periods, respond to seasonal demand, and invest with more confidence in the future.
What is a YouLend cash advance?
A YouLend cash advance is a form of funding that assists businesses by working in line with a business's revenue. The repayment percentage is chosen by the borrower during the application process.
This means you pay back a percentage of the cash advance that is appropriate for you, and it is only repaid when you have income coming into your business. Therefore, you pay back more when you're doing well and less when you're quieter.
Through YouLend you could be eligible for between £3,000-£1,000,000 in business funding.
What do other Handepay customers think of YouLend?
The YouLend cash advance "took some of the everyday pressure away” – Beverley, the owner of a pub in York.
Taking out a YouLend cash advance “eased my cash flow” – George, the owner of a café in Rochdale.
“YouLend worked in line with my business” – Ravikumar, the owner of a confectionary shop in Surrey.
The YouLend cash advance was very “handy,” and I used it to “buy more stock” – Adreno, the owner of a barbers in London.
Is a YouLend cash advance right for you?
To be eligible for a cash advance from YouLend, you must meet the follow criteria.
- Your business needs to have been trading for 3 months or more.
- You need to be accepting card payments with Handepay via their preferred acquiring service provider, either with a card machine or online via an e-commerce payment gateway. If you don’t use a preferred provider, an alternative may be available, but you’ll need to contact us.
- A minimum monthly turnover of £3,000 in card transactions is required.
Want to apply for a YouLend cash advance?
For more information on how to apply for a YouLend cash advance, visit our Business Finance page here.
Alternatively, to go straight to the application process and find out how much funding you could receive, visit YouLend directly by following the link here.
Available to existing Handepay merchants receiving acquiring services from an acquiring provider organised through Handepay who have not entered into any other agreement with third parties for the sale of their receivables. Eligibility criteria will apply. Business must be trading for 3 months or more, with a minimum of £3,000 in card transactions per month.
All Cash Advance applications are processed by the independent service provider, YouLend Limited. The cash advance is a sale of future card receivables, not a loan, and is not subject to the regulation and legal protections applicable to loans that are consumer credit or regulated mortgage contracts. Handepay’s activities in relation to the YouLend products do not constitute regulated credit broking.
