YouLend’s API platform empowers partners to embed merchant financing on their own terms. Craft tailored solutions, own the customer experience end-to-end, and deliver fast, reliable funding through YouLend’s proven platform.

Getting Started

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New to embedded finance? Check out our Terminology Guide to understand the key concepts and definitions used throughout our platform and documentation.

Quick Start Options

Choose your integration approach based on your development resources and desired user experience:

Embedded Components

Ready-to-use UI components that seamlessly integrate into your existing platform with minimal development effort.

Partner Hosted

Users complete applications on your platform, then redirect to YouLend for offer review and contract signing.

Fully Embedded

Complete white-label experience where users never leave your platform throughout the entire funding journey.

Core API Endpoints

Our comprehensive API suite covers every aspect of the embedded finance journey:

Prequalification

Quick eligibility checks - Assess merchant eligibility and get preliminary loan offers with minimal data requirements.

Preapproval

Generate pre-approved offers - Create binding loan offers with detailed payment data for qualified merchants.

Onboarding

Complete application process - Submit and manage funding applications with KYC documents and merchant verification.

Fast Track

Streamlined funding - Expedited approval process for merchants with pre-established relationships and verified data.

Third Party Loan

Loan management - Access loan information, repayment details, documents, and status updates for funded merchants.

Instant Settlement

Real-time transactions - Handle instant settlement transactions and manage accelerated payout services.

Authentication & Environments

All API requests require authentication using API keys. For complete setup instructions and environment details, see our Authentication Guide.

Development Resources

Postman Collection

Complete API collection for testing endpoints and understanding request/response formats.

Webhooks Guide

Set up real-time notifications for application status updates, funding events, and settlements.

Next Steps

Ready to get started? Here's your roadmap:

Review the Guide to understand YouLend's products and integration options
Set up authentication using our Authentication Guide
Choose your integration approach based on your technical requirements
Make your first API call using our interactive documentation
Test the complete flow from application to funding in sandbox
Go live with production credentials and real transactions