Worldline and YouLend have launched Cash Advance, an embedded finance product that offers merchants funding based on payments data held within the Worldline platform.
The companies said the product is live in Belgium and the Netherlands. They also set out plans for expansion across Europe.
Funding terms
Cash Advance targets small and medium-sized businesses that use Worldline for card payments. The product generates financing offers within the Worldline environment. It uses live payments information rather than forecasts or manual applications, according to the companies.
The product offers eligible merchants up to €250,000. The companies said merchants can receive funds in as little as 48 hours. They said the process removes traditional paperwork and avoids long application processes.
Cash Advance uses a repayment structure tied to card turnover. Repayments adjust in line with daily card sales, according to the companies. They positioned the structure as an alternative to fixed repayments.
The launch adds to a growing set of financing products distributed through payments platforms and other merchant software providers. These products typically use transaction data to assess eligibility and set terms. Providers position them as a faster route to funding than conventional bank lending.
Partnership model
Worldline supplies the payments infrastructure and merchant relationship through its acquiring and payment services footprint. YouLend supplies embedded financing technology that integrates into partner platforms.
Worldline described itself as a European payment services provider. The company reported revenue of 4.6 billion euros in 2024.
YouLend said it works with eCommerce, payments and technology platforms. It listed partners including Amazon, eBay, Shopify, Etsy, SumUp, Tide and Dojo. The company said it operates in more than ten countries and has provided over 370,000 financings to date.
Worldline framed the product as part of its approach to serving smaller merchants. It highlighted embedded financial services as a distribution method within existing merchant tools.
"Our goal is to make business financing as frictionless and personalised as possible," said Joachim Goyvaerts, Head of Small and Medium-sized Businesses, Worldline.
Goyvaerts also described the product in the context of services offered through the payments relationship.
"This partnership with YouLend represents a major step forward in delivering embedded financial services that truly understand and support SMBs, helping local businesses invest, grow, and thrive," said Goyvaerts.
YouLend described the partnership as aligned with its work with payment service providers and platform operators that distribute financial products to merchants.
"It's been a pleasure collaborating with the Worldline team on a customer-first financing solution," said Luke Trayfoot, Global Head of Strategic Partnerships, YouLend.
"Our platform is the ideal match for payment service providers such as Worldline, who prioritise exceptional user experiences and value-added services for their merchants," said Trayfoot.
European rollout
The companies said Belgium and the Netherlands represent the first phase of availability. They did not disclose merchant adoption figures or origination volumes for the initial rollout.
They said they plan to expand Cash Advance across Europe. They also said they are working on new product features for future releases.
Worldline and YouLend said the product uses payments data as a basis for funding decisions. They said this approach reflects real trading activity.
The companies did not disclose pricing, eligibility thresholds, or how repayments are calculated from daily turnover. They also did not specify whether repayment collection runs through card settlement flows or a separate mechanism.
They said the product offers a fully integrated user experience within the Worldline platform. They positioned this as a departure from manual applications and separate underwriting processes.
Worldline and YouLend said the next stage involves wider European distribution and additional features as the product reaches more markets.
"Following the successful rollout in Belgium and the Netherlands, Worldline and YouLend plan to expand Cash Advance across Europe, alongside new product features designed to meet the evolving needs of SMBs in every market," the companies said.