Worldline and YouLend have launched Cash Advance, a new embedded financing product targeting small and medium-sized businesses in Europe.

This solution aims to give merchants using Worldline’s payment services faster access to short-term funding based on their transaction history. Eligible businesses can receive up to EUR 250,000 in as little as two days.

Repayment terms are structured according to daily card transactions, making adjustments in line with sales volumes rather than through fixed payments. The application process is seamlessly integrated into existing merchant platforms, eliminating the need for separate documentation or manual approval steps.

Data-driven financing tied to payment flows

Cash Advance leverages real-time transaction data processed by Worldline to evaluate eligibility and determine funding terms. According to Worldline officials, this approach aims to reduce common barriers in traditional small business lending by embedding financing into the tools already used by merchants for payments. The company claims that access to detailed transaction records enables quicker decision-making and funding offers that better align with current business performance.

YouLend supplies the embedded finance platform supporting Cash Advance. YouLend’s representatives indicate that their platform is designed to work with payment service providers, allowing them to offer capital products under their own branding while keeping funding decisions closely tied to merchant activity. This model is seen as an alternative to traditional bank lending, especially for businesses in need of short-term liquidity to manage cash flow, inventory purchases, or seasonal demands.

Worldline and YouLend plan to expand Cash Advance into other European markets. Both companies mention that they may add new features based on regulatory requirements and merchant demand across different countries as the product scales up.

Worldline is a Paris-listed company with revenue of EUR 4.6 billion in 2024, while YouLend operates globally, providing embedded financing capabilities to ecommerce, payments, and software platforms such as Amazon, eBay, and Shopify.