Dojo Teams Up with YouLend to Simplify SME Financing

The strategic partnership between UK-based fintech company Dojo and the global embedded finance platform YouLend is reshaping how small and medium-sized enterprises (SMEs) access funding. Through this integration, Dojo’s customers can now access up to £1 million in financing directly through their existing payments interface, eliminating many traditional barriers that SMEs face in securing timely and flexible funding.

With YouLend’s financing solutions embedded within Dojo’s platform, businesses can apply for capital within minutes and receive tailored offers in as little as 24 hours. This streamlined approach not only provides fast access to funds but also caters to businesses that might not fit the rigid requirements of traditional lending. With YouLend’s unique revenue-based repayment model, SMEs have the flexibility to make payments proportionate to their cash flow. This means that businesses make larger repayments during high-revenue periods and smaller payments during slower times, ensuring a financing model that aligns more closely with business cycles, especially valuable for seasonal industries or businesses with fluctuating revenue.

Jakob Pethick, Chief Commercial Officer at YouLend, underscored the importance of this collaboration, saying, “This milestone proves YouLend’s strong commitment to delivering a world-class experience for our partners and their merchants. Our success with Dojo demonstrates just how strong the demand from small businesses is for timely, accessible capital.” He emphasized that by integrating financing into Dojo’s payment ecosystem, the partnership has already enabled tens of thousands of SMEs to fund projects, expand operations, and drive growth in ways that may have previously been unattainable.

Neil Richards, General Manager Business Funding at Dojo, emphasized how the integration aligns with Dojo’s commitment to empowering businesses within the experience economy. "With financing applications available in minutes through the Dojo app and funds often accessible within two business days, we're delivering agile, customer-centric solutions that fuel growth and operational flexibility,” he said. Richards pointed out that the ability to offer embedded financing within Dojo’s app not only strengthens Dojo’s role as a leader in the fintech space but also enhances its value proposition, providing businesses with both payment solutions and accessible, adaptable funding.

Reaching the £1 billion financing milestone is a testament to the strong demand for embedded finance solutions and the rapid growth of the fintech landscape. This achievement comes at a time when the financial industry is seeing a shift toward embedded finance—a model where financial services are integrated into non-financial platforms, providing seamless access to loans, payments, and other financial products. By embedding these solutions directly within Dojo’s platform, YouLend allows SMEs to bypass traditional application processes, making capital more accessible and empowering them to grow faster.

Following the strong momentum from their UK success, Dojo and YouLend are set to amplify their partnership by extending their financing solutions to other European markets. This expansion aims to bring fast, flexible financing options to a broader range of small and medium-sized enterprises (SMEs) across the continent, reflecting the increasing demand for accessible capital solutions tailored to the diverse financial needs of European businesses.

With this regional growth, Dojo and YouLend are working to replicate the streamlined funding access that has proven effective in the UK. By embedding YouLend’s financing capabilities within Dojo’s platform, European SMEs will gain direct access to funding without navigating the complexities of traditional lending systems. This ease of access will allow businesses across various sectors—from retail and hospitality to e-commerce and services—to secure capital for operational needs, expansions, and unforeseen challenges.

The expansion will also help support Europe’s SME ecosystem in adapting to economic shifts and increasing competition. Dojo and YouLend are positioning their solutions as enablers for growth, empowering businesses to invest in their futures with confidence, knowing that financing can be tailored to align with their revenue cycles.

Both companies have signaled that this growth strategy is only the beginning. By broadening their reach in Europe, Dojo and YouLend are setting a foundation to bring embedded financing to other markets and new industries.