Secure funding with YouLend

What is YouLend?

YouLend is a third-party financial platform that offers business-purpose loans and merchant cash advances. They’re designed to support small and mid-sized businesses like yours by giving you fast access to flexible funding, if you are eligible.

Who’s eligible?

Eligibility to apply for this offer depends on a few key factors, including:

• Freelancers and agencies who are pre-qualified for a cash advance by YouLend
• Freelancers and agencies who are part of this pilot program
• Freelancers and agencies who are based in the U.S.

How it works

1. Discover your offer
   If eligible, we’ll proactively let you know via email or a banner message in your Upwork account.
2. Apply with YouLend
   Click the link in the email or banner to head to YouLend’s secure application page. You’ll fill out some basic details, review the terms, and submit your application. Note: YouLend operates independently from Upwork. Your application, cash advance terms, and repayment will be managed directly by YouLend and your relationship with YouLend does not impact your Upwork account in any way.
3. Get a decision
   YouLend processes most applications within one business day. If approved, you’ll see the cash advance amount, repayment schedule, and can sign the agreement electronically.
4. Receive funds
   Funds are typically sent to your bank account within one business day after agreement has been signed.
5. Repay through YouLend
   Repayment is handled directly through YouLend. Log into your YouLend account to manage your cash advance and see repayment details. Note: YouLend charges a one-time fixed fee that is disclosed up front. There are no ongoing interest charges. Funding is provided by and at the discretion of YouLend US LLC. Merchants must apply for this directly with YouLend US LLC. Neither Upwork nor any subsidiary or affiliate company provides regulated lending, financial advice, recommendations, or brokerage services.

What if I have questions or need support about a cash advance?

Cash advance terms, application status, and repayment details are all managed by YouLend. If you need help during the process, reach out directly to them. Our support teams at Upwork cannot assist you as we do not have access to your YouLend application, loan, etc.

How is my information protected by Upwork?

Your personal data is not shared with YouLend. Based on your earnings, you qualify for this offer within a specific earnings band, should you choose to explore it further.

What is the interest rate on a cash advance from YouLend?

There’s no interest rate. Instead, YouLend charges a one-time, fixed fee that you’ll see before accepting any offer.