• SMEs gain direct access to fast, flexible financing based on their card transactions via REA Card's payment infrastructure
• This partnership strengthens YouLend's growing network of integrated financing solutions in Germany

Berlin, 27.07.2026 – YouLend, one of the leading embedded financing platforms worldwide, and REA Card, provider of cashless payment solutions for brick-and-mortar retail, are entering into a strategic partnership. The goal is to enable small and medium-sized enterprises (SMEs) with quick, straightforward access to working capital.

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Merchants who use POS terminals, cash register systems or SoftPOS solutions from REA Card can now access financing offers from YouLend directly via the platform. The financing decision is based on actual card transactions and not on credit checks according to traditional banking standards. This shortens tedious application process, accelerates payouts, and makes capital accessible to small businesses that are often neglected by traditional financial institutions.

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Financing without detours 

The partnership is aimed at restaurants, kiosks, retailers, taxi companies, hair salons and many other sectors that process card payments daily and regularly require capital for goods purchases, seasonal demand or growth investments. The financing is fully integrated into the existing payment environment. Merchants do not need to submit a separate application, but receive an offer based on existing data.

"Small businesses have no time for bureaucracy. When essential working capital is lacking, a decision for financing cannot take weeks," says Leonard Strigel, General Manager Europe at YouLend. "With REA Card, we are bypassing this hurdle by bringing instant financing to the place where merchants work daily: their card terminal."

Complementary strengths, shared goal 

The partnership pairs REA Card's deep merchant relationships and established payment infrastructure with YouLend's scalable embedded financing technology and AI-powered decision models. Technical integration is already complete, meaning eligible REA Card merchants can start accessing financing offers right away. Looking ahead, the two companies plan to deepen this integration further, weaving YouLend's financing directly into REA Card's existing product portfolio.

"Our customers deserve a partner who not only helps them with payments, but also with growth," says Phillip Becker, CEO at REA Card. "With YouLend, we offer our merchants quick access to capital based on their actual business development."