Worldline and YouLend launch SME cash advance financing in Poland

Worldline has partnered with YouLend to launch a new cash advance financing solution for SMEs in Poland, expanding access to fast, data-driven working capital.

The product allows businesses to access up to PLN 1 million in funding within 48 hours, with repayments automatically deducted as a fixed percentage of daily card terminal transactions.

Unlike traditional lending, the facility carries no interest, with merchants paying a single predetermined fee, offering a more predictable cost structure for short-term financing.

The solution leverages Worldline’s payment infrastructure to assess merchant performance based on real-time transaction data, removing the need for extensive credit documentation and accelerating approval times.

While merchant cash advance products are already established in some markets, the rollout through Worldline significantly broadens access in Poland, bringing the model to a wider SME base.

The launch highlights growing momentum behind embedded finance solutions, where payment providers integrate working capital directly into their merchant ecosystems.