https://community.ebay.co.uk/t5/Business-Seller-Board/Ebay-via-YOULEND-anyone-got-any-pros-and-cons/m-p/7457834#M298020 <P>Absolutely in the strongest possible terms DO NOT borrow money from Youlend.&nbsp; I got sucked in thought it was a great idea and it started okay.&nbsp; They started by you paying a % of your daily eBay takings.&nbsp; Initially&nbsp;this was what I received after eBay took their cut.&nbsp; So if I took £100 in my bank a day Youlend would take £10 a day or there abouts.&nbsp; Then they introduced a minimum weekly amount clause so if you thought you were safe by having a bad day or two a week on eBay you'd be okay as you are paying&nbsp;depending on what you take right... NOPE.&nbsp; So if you did have a couple of bad eBay days Youlend still wanted their minimum.&nbsp; This could be disastrous.&nbsp;</P><P>Worse was to come, I believe&nbsp;back in late Feb they changed it again so it was linked to eBay not your bank.&nbsp; So now instead of getting 10% of what went in your bank they got 10% of what you sold on eBay BEFORE eBay took their cut so you were paying 10% on what you were getting and 10% on what eBay were getting.</P><P>Stop and think about that for a moment.&nbsp; FVF 19%, advertising fees (if going with recommended) another 20% to 30% and THEN Youlend taking 10% on top of all of that.&nbsp; Good luck having much left.</P><P>If you are very very lucky you might get a 10% offer from Youlend but more often from what I've experienced or heard it's closer to 15%.&nbsp; So again eBay's 19% FVF, promoted listings costs of up to 30% AND Youlend's 15% - I can only see Financial ruin with those kinds of figures.&nbsp; Please be careful.</P> Wed, 02 Aug 2023 19:11:46 GMT goingfishing 2023-08-02T19:11:46Z