How Dojo Business Funding works
Eligibility is assessed using card transaction history, business performance and credit information. Taking payments with Dojo does not guarantee a funding offer. The provider may request further information and makes the final decision.
Dojo introduces Business Funding through YouLend. An accepted offer sets out the advance, fee and repayment arrangements. Timing depends on checks, documentation and acceptance; do not commit to spending against an unapproved application.
The mental model we give clients: it's like borrowing against next quarter's card sales, and repaying a little bit of it every time the card machine beeps.
How repayment actually works
An agreed percentage of card sales is collected towards repayment. Review how collections work and what your agreement requires if sales fall, trading stops or you change payment provider.
- The offer specifies the percentage of card takings collected towards repayment.
- On a busy day, more is repaid (because your takings are higher).
- On a quiet day, less is repaid.
- Low or zero card takings do not remove your contractual obligations; check the terms for reduced trading or closure.
- Confirm any required repayment period, review points and consequences of not meeting the agreement.
Model quiet and busy periods before accepting an offer. A smaller daily collection is not a reduction in the total amount owed, and the remaining cash must still cover wages, stock, rent and other commitments.
How much can you borrow?
There is no advance amount we can promise from turnover alone. The provider assesses your trading information and confirms any offer. A preliminary indication can change after the full assessment.
We can explain what information to prepare and help you request an assessment. Only the provider can confirm eligibility, amount and terms. Discuss a funding enquiry →
What does it cost?
Ask for the advance amount, the fee in pounds and the total amount payable. Also check the collection percentage, expected and required repayment periods, any other contractual charges, and what happens if trading changes. Do not treat a repayment percentage as the price of finance.
Suitability depends on the purpose, cost, repayment obligations and available alternatives. We explain the Dojo introduction process, not a whole-market finance recommendation. Consider independent financial or legal advice before committing if you are uncertain.
Eligibility — who qualifies?
Dojo states that YouLend uses a soft credit search for this product. That does not mean no checks or guaranteed acceptance. Confirm the checks and information required for your application. The assessment considers:
- Your available card payment and trading history
- Your business performance and ability to meet the agreement
- To be taking card payments through Dojo — funding is offered to Dojo customers and assessed on card transaction history, business performance and credit information
Is it a loan?
Dojo describes Business Funding as a merchant cash advance through YouLend, with collections linked to card sales. That description does not mean the agreement is obligation-free. Read the actual contract, including any security, guarantee, default and repayment provisions.
Confirm the contracting party and product before signing. Business Funding and Flex Funds are separate products; do not assume one product has the same pricing, eligibility or terms as the other.
What businesses use it for
- Refurbishment & fit-outs — refresh a restaurant or shop without draining working capital
- Stock & equipment — buy in bulk at a discount, or replace a critical piece of kit fast
- Seasonal cashflow — model lower sales and the continuing repayment obligations
- Expansion — a second site, more covers, more staff ahead of a busy season
- Tax or supplier bills — assess affordability and seek qualified advice if the business is under financial pressure
The honest pros & cons
These are points to consider, not a recommendation or promise of acceptance.
| Strengths | Things to weigh |
|---|---|
| Daily collections can vary with sales; total repayment is not reduced | Total cost can be higher than a bank loan for long-term capital |
| Assessment and timing confirmed by the provider | You need consistent card takings to qualify and to repay comfortably |
| Fee and total repayment set out in the offer | A slice of daily takings goes to repayment, so plan around it |
| Approval based on takings, not just credit score | Consider the purpose, affordability and contractual obligations |
Dojo Business Funding FAQs
How does Dojo Business Funding work?
Dojo Business Funding is offered through YouLend to eligible Dojo customers. An advance is repaid through an agreed share of card sales. The offer sets the amount, fee, total repayment, collection percentage and contractual obligations; approval is not guaranteed.
Is Dojo Business Funding a loan?
Dojo describes this product as a merchant cash advance through YouLend. Read the actual agreement rather than assuming that this description removes repayment, security, guarantee or default obligations. This page does not describe the separate Flex Funds product.
Am I eligible for Dojo Business Funding?
The provider assesses card transaction history, business performance and credit information. Dojo states that YouLend uses a soft credit search for this product; confirm the checks for your application. Being a Dojo customer or receiving a preliminary indication does not guarantee approval.
How much funding can I obtain?
Only the provider can confirm an amount after assessing your application. Do not treat a turnover multiple, an illustrative diagram or a preliminary indication as an approved offer.
How fast is Dojo Business Funding?
Timing depends on provider checks, documents and acceptance of an offer. Request an expected timetable for your application; Time Consulting does not promise funding within a fixed number of hours or days.