YouLend

What YouLend does

YouLend is a London-headquartered, PE-backed embedded financing platform that delivers revenue-based working capital to small and medium-sized businesses through integrations inside the software, payments, and e-commerce platforms those businesses already use. The core product portfolio comprises Capital (revenue-based financing up to £2 million with repayment as a fixed percentage of sales and no interest), Instant Payouts (same-day settlement of card and online sales), and Spend (a business expense management product currently in beta). Underlying technology consists of battle-tested APIs plus no-code and embedded-component options that allow partners to go live in roughly a week, combined with data-driven underwriting that ingests real-time payment data via Open Banking and behavioral signals from 400,000+ merchant profiles for probabilistic forecasting, seasonality modeling, and credit decisioning.

Name

YouLend

Legal name

YouLend Limited

Website

https://youlend.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

YouLend is a London-based, PE-backed embedded financing platform that delivers revenue-based working capital up to £2 million to SMEs through integrations inside 300+ partner platforms including Amazon, eBay, Shopify, Worldline, Tide, and QuickBooks.

Ownership category

akta.pro rank

Product category

Embedded Lending Platform

NAICS

Sales Financing (52222), Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Payment Gateways & API Connectivity (FSAGABAB), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Open Banking APIs & Connectivity (FSAMAFAA), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Embedded finance platform
• Revenue-based financing
• SME lending solutions
• Embedded credit API
• Alternative business lending

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Revenue-Based Financing: YouLend provides revenue-based financing where businesses repay a fixed percentage of their sales rather than paying interest. Partners integrate this via API, and YouLend earns from the fixed fees on each transaction. No interest charges—only a fixed fee.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

YouLend is a global embedded financing platform that provides revenue-based financing, instant payouts, and business spend management to small and medium-sized businesses through integration into partner platforms (e-commerce marketplaces, payment service providers, banks, brokers, and accounting software). Partners embed YouLend's financing products via API or no-code components, enabling their merchants to access working capital of up to £2,000,000 with revenue-linked repayments and fixed fees rather than interest.

Product overview

YouLend is a global embedded financing platform offering an integrated suite of financing products for e-commerce, payment, and technology platforms. The core product portfolio consists of Capital (revenue-based financing up to £2,000,000), Instant Payouts (same-day transaction settlements), and Spend (business expense management in beta). These products are delivered through three integration methods: No-Code (white-label managed solution), Embedded Components (API-based integration), and Custom API (full platform control). YouLend powers over 300 partner platforms including Amazon, eBay, Shopify, Worldline, Tide, Qonto, and QuickBooks, enabling them to offer embedded financing to their SME merchants without exposing their own capital.

Differentiator

Problem solved

Functional benefit

Brands

• Cash Advance: Embedded SME financing solution offering up to €250,000 with funds available in 48 hours, repayments linked to daily turnover, launched with Worldline
• Buckaroo Capital
• Epos Now Capital

Products and services

• Capital Revenue-based financing product providing funding up to £2,000,000 for small and medium-sized businesses. Merchants repay with a fixed percentage of their daily sales automatically, with no interest to pay — just a fixed fee. Funding decisions available in as little as 24 hours. Distributed exclusively through YouLend's B2B partner platforms.
• Instant Payouts Cash flow optimisation product that pays out merchant funds as soon as they make a sale. Transactions are settled on the same day for both online and card sales, providing instant cashflow to merchants integrated through YouLend's partner platforms.
• Spend Business spending management product currently in beta that extends YouLend's embedded finance capabilities to help businesses manage and optimise their expenses.
• Buckaroo Capital White-label working capital financing service integrated directly into the Buckaroo payment platform for SMEs across the Benelux region. Repayments structured as a percentage of future revenue.
• Worldline Cash Advance Embedded SME financing solution launched with Worldline providing up to €250,000 with funds available in 48 hours. Uses real-time payment data for tailored funding with repayments automatically linked to daily business turnover.

Quantifiable outcome

• 9 out of 10 applicants approved for funding
• +6 more outcomes

Named customers18 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability3 records

Feature5 records

Partnerships

23 partnerships are on record, tiered core and flagship.

• BuckaroocoreChannel Partner/ Reseller/ Distributor · 25 March 2026Launch of Buckaroo Capital, a working capital financing service integrated directly into Buckaroo's payment platform for SMEs. Available to 54,000+ customers across Benelux with full platform integration expected before summer 2026.
• Intuit (QuickBooks)coreChannel Partner/ Reseller/ Distributor · 5 February 2026Partnership to provide working capital financing to QuickBooks business customers in the UK through Intuit's Capital Marketplace. Full national rollout following 2025 pilot. Offers GBP 1,000 to GBP 2 million with 24-hour decisions.
• WorldlinecoreChannel Partner/ Reseller/ Distributor · 20 January 2026Launch of Cash Advance embedded finance solution offering up to €250,000 to eligible SMEs in Europe with funding available in 48 hours. Uses real-time payment data for tailored offers. Initially launched in Belgium and Netherlands with European expansion planned.
• TeyacoreChannel Partner/ Reseller/ Distributor · 15 January 2026Teya selected YouLend to expand financing offers for merchants across UK and Europe.
• QontocoreChannel Partner/ Reseller/ Distributor · 9 December 2025Expansion of embedded financing options in Germany by integrating YouLend's lending services into Qonto's platform, enabling small businesses to access quick funding without separate applications.
• UpworkcoreChannel Partner/ Reseller/ Distributor · 8 December 2025Landmark partnership to expand financial access for US freelancers, agencies, and microbusiness owners. Already funded $1 million since June 2025 launch. Plans to expand to other markets in the future.
• TidecoreChannel Partner/ Reseller/ Distributor · 6 November 2025Expansion of embedded SME financing partnership from UK to Germany since June 2025. Approximately 1,000 applications and EUR 7 million funding processed monthly in Germany.
• Epos NowcoreChannel Partner/ Reseller/ Distributor · 27 January 2023Epos Now Capital powered by YouLend achieved 6x higher application rates and 2x higher approval rates vs incumbent provider. Extended £11.5 million to over 600 small businesses in UK. Successfully launched in US (November 2022).
• AmazonflagshipChannel Partner/ Reseller/ DistributorFlexible financing for UK Amazon sellers launched as part of Amazon's funding options. Sellers can access quick, flexible funding integrated into their seller dashboard.
• eBayflagshipChannel Partner/ Reseller/ DistributorFlexible financing solution integrated into eBay platform helping empower UK and German restaurant and retail businesses to grow.
• ShopifycoreChannel Partner/ Reseller/ DistributorEmbedded financing integration for Shopify merchants seeking working capital.
• PaysafecoreChannel Partner/ Reseller/ DistributorPartnership to launch merchant financing in the US, providing fast and flexible business funding for Paysafe merchants.
• GlovocoreChannel Partner/ Reseller/ DistributorPartnership to enable local restaurants on Glovo's platform to access financing for growth, building on Glovo's mission of supporting restaurant partners.
• DojocoreChannel Partner/ Reseller/ DistributorCash advance funding partnership with highly documented APIs. Dojo has hit £1 billion in funding through the partnership.
• MolliecoreChannel Partner/ Reseller/ DistributorEmbedded financing integration for Mollie's merchant customers.
• SumUpcoreChannel Partner/ Reseller/ DistributorFinancing integration for SumUp's small business merchant base.
• FiservcoreChannel Partner/ Reseller/ DistributorFinancing integration for Fiserv merchant customers.
• HotelbedscoreChannel Partner/ Reseller/ DistributorPan-European partnership to connect travel businesses to fast, flexible funding.
• myPOScoreChannel Partner/ Reseller/ DistributorEmbedded financing partnership across UK, Europe, and US markets.
• FreshBookscoreChannel Partner/ Reseller/ DistributorFinancing integration for FreshBooks accounting software users.
• Just EatcoreChannel Partner/ Reseller/ DistributorFinancing integration for Just Eat restaurant partners.
• EtsycoreChannel Partner/ Reseller/ DistributorFinancing integration for Etsy sellers.
• orderbirdcoreChannel Partner/ Reseller/ DistributorFlexible financing integrated seamlessly into orderbird's platform for German restaurant businesses.

Scale indicators19 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Stripe Capital: Stripe's embedded lending product offering revenue-based financing and working capital to merchants using Stripe payments. Directly competes with YouLend for the same platform-embedded capital use case, with the added advantage of owning the underlying payment data.
• Shopify Capital: Shopify's in-house merchant cash advance product for Shopify merchants. A direct competitive threat and a partner-or-competitor tension given Shopify is also a YouLend distribution partner.
• Square Capital (Block): Block's embedded lending arm providing working capital to Square merchants. Closely comparable business model — revenue-based financing embedded into a payments platform — and a US market peer.
• Clearco: Revenue-based financing provider focused on e-commerce and SaaS merchants. Closely comparable business model with similar SME underwriting approach, though more North America-skewed.
• Wayflyer: Embedded revenue-based financing platform for e-commerce brands, with a heavy focus on Shopify, Amazon, and Walmart sellers. Direct comparator in merchant cash advance space.
• Liberis: Embedded business funding platform providing revenue-based finance to SMEs via integrations with payment processors and software platforms. Closely comparable model and UK/European footprint.
• iwoca: UK-based SME lender offering working capital and flexibly-priced loans, increasingly through embedded partnerships. Comparable customer segment and product, with stronger UK direct-presence focus.

Broad incumbents

• Klarna: Public BNPL and embedded commerce credit provider with merchant-facing financing products. Larger and broader platform, but overlaps in SME working capital and embedded merchant financing.
• Funding Circle: UK-listed SME lending platform with broader loan products and embedded distribution via strategic partnerships. Larger, public-market incumbent in adjacent SMB finance space.

Emerging players

• Parafin: US-based embedded financing infrastructure provider offering working capital and capital-embedded products via software platforms. Comparable business model with US focus and emerging partner ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/YouLendEurope
• Facebookfacebook.com/youlend
• LinkedInlinkedin.com/company/youlend

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about YouLend