This post was originally published on The FinTech Times
PayPoint and Handepay have officially surpassed £100million in total funding delivered to UK merchants and retailers. The achievement follows a record year for business lending, as independent businesses increasingly turn to flexible finance solutions to fuel growth and manage daily trading.
During the 2025/26 financial year alone, total funding reached £33million. This represents a significant 39 per cent year-on-year increase from the £23million delivered in the previous financial year.
Flexible finance over traditional lending
The funding solution is delivered in partnership with YouLend. It provides both PayPoint and Handepay customers with seamless access to cash advances, enabling them to act quickly on business opportunities without the delays or rigidity often associated with traditional lending channels.
According to the firms, demand has been strongest across the hospitality, grocery and convenience, and health and beauty sectors—industries where speed, flexibility, and cashflow are particularly critical. Businesses are utilizing the funding to invest in new stock, upgrade equipment, refresh their physical premises, and maintain resilience through both seasonal peaks and quieter trading periods.
Unlike traditional finance models, repayments for these cash advances are automatically aligned to the merchant’s daily card takings. This structure is designed to
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