Dojo Business Funding

About Dojo

Dojo is a UK-based payments provider that helps businesses accept card and digital payments in-store, online, and on the go. Launched in 2020 by payments company Paymentsense, Dojo has quickly become one of the fastest-growing payment providers in the UK, supporting hospitality, retail, service, and eCommerce businesses with fast and flexible payment solutions.

Dojo offers a range of payment services designed to help businesses take payments more efficiently, including card machines, online payment gateways, virtual terminals, payment links, and integrated EPOS solutions. Its platform is built around speed and reliability, with next-day settlements and real-time business insights available through the Dojo app.

Alongside its payment processing services, Dojo also gives eligible customers access to business funding through Dojo Business Funding. The funding solution is a merchant cash advance provided in partnership with YouLend, meaning Dojo is not a direct lender.

Key Milestones

• Dojo launched in London in 2020 following the rebrand of Paymentsense
• Dojo now supports over 150,000 UK businesses with payment solutions
• Partnered with embedded finance provider YouLend in 2020 to launch merchant cash advance funding for eligible customers
• Since launching its funding product, over 20,000 businesses have received more than £1 billion in funding
• Launched Dojo Flex Funds, a revolving funding facility in partnership with Liberis, in February 2026

Dojo's Merchant Cash Advance – At a Glance

Dojo Business Funding gives eligible customers access to flexible business finance through a merchant cash advance provided by YouLend.

Businesses can typically borrow from around £1,000 up to £2 million, depending on trading performance and card turnover. Funding offers are generally based on approximately 0.8 to 1 times your average monthly card sales processed through Dojo.

Unlike a traditional business loan, repayments are linked to future card transactions. This means repayments automatically adjust with your sales volume, helping businesses manage cash flow during quieter periods.

Eligibility Criteria

To be considered for Dojo Business Funding, businesses must meet certain eligibility requirements. Applications are assessed using your card transaction history, overall business performance, and credit profile.

Eligible businesses may also see a “Business Funding” tab directly within their Dojo account or app.

Typical requirements include:

• Be based in the UK
• Process payments using Dojo
• Operate as a sole trader, partnership, or limited company
• Have sufficient card transaction history and trading performance

How to Apply for a Dojo Business Funding

Applying for Dojo Business Funding is designed to be quick and straightforward. Businesses can apply directly through the Dojo for Business App, via the Dojo Sidekick app, or through the dedicated YouLend application journey.

During the application, you’ll usually need to provide:

• Your Merchant ID
• Average monthly card turnover
• Preferred funding amount

Applications take just a few minutes and are submitted to Dojo’s funding partner, YouLend, for review. A specialist will usually be in touch within one business day, and if approved, funds are typically paid within two business days.

Reviews

Dojo has an 'Excellent' 4.3 rating on Trustpilot.

This rating reflects Dojo’s overall experience and does not specifically relate to the Dojo Business Funding product.