REA Card Partners with YouLend: Flexible Financing for Brick-and-Mortar Retailers in Germany

REA Card is partnering with YouLend, a platform for embedded finance. This gives small and medium-sized businesses direct access to flexible business financing. With its "REA Terminal Loan," REA Card is specifically addressing merchants' need for greater financial flexibility.

This new service significantly simplifies the lending process for local retailers. Instead of relying on the lengthy credit checks of traditional banks, merchants now receive approvals based directly on their card sales at the terminal. For business owners, this represents a massive relief: There is no longer any need to fill out time-consuming loan applications. Instead, the financing offer is derived fully automatically from the transaction history. This readily available capital can be optimally used for purchasing inventory, bridging seasonal fluctuations, or making important investments.

Customers such as local restaurants, kiosks, retailers, and hair salons form the backbone of the economy. In the past, this segment was often neglected by traditional banks because small loan amounts were considered unprofitable. However, since card payments now dominate everyday life, the terminals generate exactly the sales data needed for fair lending. A business may not have audited financial statements, but it does have reliable card transaction data in the system. This gives merchants easy access to capital.

Providing financing through YouLend is another step for REA Card toward supporting merchants even more comprehensively in their day-to-day operations. Following the introduction of purchase protection in February 2026, the partnership with YouLend is another measure to meaningfully expand the range of services related to the terminal. The goal is to offer merchants direct added value at the point of sale and to support their growth as a reliable partner.

Those interested can find more information about the possibilities and the new service at:
https://www.rea-card.de/produkte/terminalkredit

REA Card GmbH
Teichwiesenstrasse 1
64367 Muehltal
Germany

https://www.rea-card.de/

Frau Larissa Feldmann
+49(0) 6154 / 638 - 200

presse@rea-card.de

REA Card is one of the leading providers of innovative payment and point-of-sale systems. Since 1988, the company has been developing and distributing reliable EC terminals, modern point-of-sale solutions, and high-performance software for various industries--always with a commitment to the highest quality, security, and personalized service. As a family-run business, REA Card places particular emphasis on long-term partnerships and personalized support for its customers.

This release was published on openPR.