Dojo funding eligibility: which product and criteria apply?

Identify the exact funding route

The Dojo Business Funding page names YouLend and says its assessment considers card transaction history, business performance and credit information. A pre-qualified figure can change; a displayed estimate is not an approved offer.

The separate Dojo Flex Funds page names Liberis and publishes baseline criteria including at least £1,000 monthly card revenue and four months of trading. Meeting a published minimum does not guarantee acceptance, an amount or a drawdown date. Confirm which route is actually available to you and whether we can introduce it.

Prepare accurate information

• Your legal and trading names, business structure, trading start date and ownership information.
• Recent card-sales history, identifying seasonal peaks, closures and unusually large transactions.
• Existing borrowing or revenue-based funding and the deductions already coming from sales.
• The amount needed, its intended use and a realistic cash-flow forecast after deductions.
• Any documents or permissions requested through the provider’s secure process.

Do not alter turnover figures to match an eligibility threshold. Avoid emailing passwords, full card details or unnecessary personal documents to an introducer. Confirm the secure application route first.

Ask what checks the application involves

For the YouLend route, Dojo’s product page describes a soft search. That is a product-specific statement, not a promise that every Dojo service or funding application has no credit implications. Ask the named provider what it checks, who is searched and what consent or notice applies before proceeding.

Also ask whether security, a personal guarantee, minimum payment obligations or other conditions apply to the actual offer. Do not infer that a product is unsecured, risk-free or suitable solely because repayments are linked to sales.

Eligibility is not the same as affordability

A funding offer can be available and still leave too little working cash. Model the sales deduction against rent, wages, suppliers, tax and existing commitments in both ordinary and quieter periods. The worked funding-cost example shows the distinction between the fixed fee, repayment percentage and cash left from sales.

• What amount reaches your account and what total must be repaid?
• What sales does the deduction apply to, and how is it collected?
• What happens during closure or a prolonged fall in sales?
• Are there end dates, review points, early-settlement rules or refinancing conditions?
• Who handles a complaint or repayment difficulty?

Time Consulting is an introducer, not the funding decision-maker or a whole-market finance broker. We cannot promise acceptance, “no credit checks”, a funding multiple or a same-day payout. Consider independent financial or accounting advice before committing, especially if funding would cover a continuing operating loss.

If changing payment providers is part of the proposal, also read the switching checklist and confirm how an outstanding advance affects that change.