YouLend
Embedded-finance specialist that suits businesses selling through Amazon, eBay, Just Eat, Shopify, Etsy or a similar platform that partners with YouLend. Pre-approval is often already sitting inside the platform, so YouLend is most relevant when revenue is marketplace-led. A strong option when revenue lives mostly inside one of those platforms and a card-terminal advance would underrate the business.
Quick verdict
- Product: Embedded MCA / revenue-based finance.
- Ticket band: Up to £2m.
- Pricing: Fixed fee, repaid as a percentage of sales (quoted per offer).
- YouLend says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
YouLend, at a glance
- Legal entity
- YouLend Limited
- Companies House
- 12576377
- Founded
- 2016
- Product
- Embedded MCA / revenue-based finance
- Ticket range
- Up to £2m
- Decision time
- Approval in as little as 24 hours
- Ltd-only
- No, the lender also accepts other structures
Where YouLend is strong
- Tight integration with partner platforms, so Amazon, eBay and Shopify sellers often see an offer inside the platform.
- Pre-approval based on existing platform data shortens the quote-to-funding window materially.
- Approval in as little as 24 hours, by YouLend's own account, where the platform data is already in.
- Revenue-based finance structure scales repayment to gateway flow rather than locking in a fixed monthly burden.
Watch-outs, and when another lender may suit better
- Distribution is mostly platform-bound, so off-platform Ltds without marketplace revenue may suit 365 Business Finance or Liberis better.
- A fixed fee rather than an APR, so work out the APR-equivalent before signing.
- Restricted to revenue-based finance with no term-loan alternative, so borrowers who want a fixed payment may prefer Funding Circle or Allica.
- Bad fit for term-loan or asset-backed needs; consider Funding Circle, Allica or Time Finance.
Best fit applicants
- Sellers on Amazon, Shopify, eBay, Etsy or Just Eat
- Ecommerce Ltds with strong gateway flow and pre-approved offers
- Applicants who want fast funding with no card-terminal dependency
Where YouLend is the wrong fit
- Off-platform Ltds with no marketplace revenue, consider Capify or 365 Business Finance
- Term-loan seekers, consider Funding Circle, Allica or Aldermore
- Pre-revenue applicants, consider Start Up Loans Company
If declined by YouLend
If your application to YouLend is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our YouLend decline guide for what to do next, and our side-by-side guide to YouLend alternatives for the closest UK specialty finance providers.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate YouLend
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through YouLend?
YouLend offers embedded mca / revenue-based finance. Ticket range: Up to £2m. Typical rate: Fixed fee, repaid as a percentage of sales (quoted per offer).
How long does YouLend take to decide?
Approval in as little as 24 hours YouLend says checking eligibility uses a soft search, so it does not affect your credit score.
Who is YouLend the best fit for?
First on the list: Sellers on Amazon, Shopify, eBay, Etsy or Just Eat. The full list is under Best fit applicants above.
When might another lender suit better than YouLend?
First on the list: Off-platform Ltds with no marketplace revenue, consider Capify or 365 Business Finance. The other cases are under Where YouLend is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: YouLend
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.