Get started with YouLend's embedded finance APIs. Learn about authentication, environments, integration options, and common use cases to unlock new revenue streams with cash advances and instant settlement solutions.
YouLend's API platform empowers partners to generate instant funding offers and make real-time lending decisions. Transform your merchant financing with APIs that deliver immediate results.
Getting Started
Before diving into the APIs, it's helpful to understand the key terminology and concepts that power YouLend's platform. Familiarize yourself with terms like cash advances, instant settlement, factor rates, sweep percentages, and onboarding flows to make the most of our documentation.
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