YouLend, an embedded finance platform, has partnered with Polish payment service provider Tpay to enhance access to flexible, revenue-based financing for entrepreneurs and small business owners in Poland. This collaboration aims to support the growth of the country’s burgeoning e-commerce market by offering tailored financial solutions.
Revenue-based financing has become a preferred option for Polish small and medium-sized enterprises (SMEs). According to an OECD Financing Report, it provides operational flexibility, faster adaptation to economic changes, and lower costs compared to traditional financing methods. YouLend addresses this demand by providing user-friendly financial services that traditional options often fail to deliver.
Through the partnership, Tpay integrates YouLend’s embedded financing solution into its system. This allows Polish businesses to access funding through a quick and seamless digital process. Business owners can apply online in just a few clicks, with approvals typically completed within 24 to 48 hours. Once approved, the funds can be utilized for growth initiatives, managing unexpected costs, purchasing inventory, or improving cash flow.
Repayments are linked to a small percentage of the business’s future sales, ensuring flexibility and reduced financial strain during periods of lower revenue.
Joanna Budzik Lister, YouLend’s Country Head for Poland, highlighted the increasing demand for embedded financial solutions. “Embedded finance is gaining momentum as Polish SMEs prioritize flexibility and affordability in their financial services,” she said.
“By integrating our revenue-based financing solutions with Tpay’s innovative payment platform, we empower online sellers with efficient access to capital. This partnership will deliver tangible benefits, driving the growth and evolution of Poland’s dynamic e-commerce sector,” Lister added.
