Time Finance vs YouLend: Which UK Business Finance Provider in 2026?
Time Finance and YouLend both score 4.0 of 5 in our 2026 UK panel review. Time Finance runs asset finance, invoice finance, vehicle finance at £10k to £2m on bespoke; YouLend runs embedded mca / revenue-based finance at £1k to £1m on factor rate 1.06 to 1.45. The right answer depends on ticket size, trading history, sector and whether the file is post-decline. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic. If you want us to do the work, our eligibility checker takes two minutes and matches you against the UK specialty panel.
Side-by-side
| Time Finance | YouLend | |
|---|---|---|
| Product type | Asset finance, invoice finance, vehicle finance | Embedded MCA / revenue-based finance |
| Ticket range | £10k to £2m | £1k to £1m |
| Typical rate | Bespoke | Factor rate 1.06 to 1.45 |
| Decision time | 2 to 5 business days | Same day |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | No |
| FCA regulated | Yes | Yes |
| Best for | Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender; Transport, manufacturing and hospitality SIC codes; £25k to £500k asset-backed Ltds wanting a faster route than Aldermore | Marketplace sellers on Amazon, Shopify, eBay, Deliveroo or Just Eat; Ecommerce Ltds with strong gateway flow and pre-approved offers; Applicants who want same-day funding with no card-terminal dependency |
| Overall rating | 4.0 / 5 | 4.0 / 5 |
| Last reviewed | 2026-05-10 | 2026-05-10 |
When Time Finance wins
- Multiple complementary product lines under one roof, so we can route a single file across asset, invoice and vehicle without re-introducing.
- Sector specialism in transport, manufacturing and hospitality, which the matcher uses on SIC-led routing.
- AIM-listed transparency on filings, useful for applicants who want a public-market institutional view.
- Faster than Aldermore or Shawbrook on bespoke asset deals, often inside 5 business days.
Best for
Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender, Transport, manufacturing and hospitality SIC codes, £25k to £500k asset-backed Ltds wanting a faster route than Aldermore.
Watch outs
- Broker-distributed for most product flow, so the FundBiz introduction is the route rather than self-serve.
- Pricing varies materially by deal, so the matcher cannot quote a tight rate before the conversation.
- Smaller brand presence than Aldermore or Shawbrook, applicants who want the bigger name route there.
When YouLend wins
- Tight integration with marketplace gateways, so Amazon, Shopify and Deliveroo sellers often arrive pre-approved.
- Pre-approval based on existing platform data shortens the matcher quote-to-funding window materially.
- Same-day funding for files where the platform data is already in.
- Revenue-based finance structure scales repayment to gateway flow rather than locking in a fixed monthly burden.
Best for
Marketplace sellers on Amazon, Shopify, eBay, Deliveroo or Just Eat, Ecommerce Ltds with strong gateway flow and pre-approved offers, Applicants who want same-day funding with no card-terminal dependency.
Watch outs
- Distribution is platform-bound, so off-platform Ltds without marketplace revenue route to Capify, 365 Business Finance or Liberis.
- Factor-rate opacity, the matcher translates to APR for the applicant.
- Restricted to revenue-based finance with no term-loan alternative, applicants who want a fixed payment route to Funding Circle or Allica.
FAQ
Time Finance or YouLend: which is the better UK business finance provider in 2026?
Time Finance scores higher overall in our 2026 UK panel review at 4.0 of 5 versus 4.0 for YouLend. That said, the right answer depends on what your file looks like. Time Finance is the stronger pick for mid-ticket ltds combining asset finance, invoice finance and vehicle under one lender, while YouLend is the stronger pick for marketplace sellers on amazon, shopify, ebay, deliveroo or just eat. If your file sits in one of those buckets, ignore the headline rating and pick the right fit.
What does each product look like, Time Finance vs YouLend?
Time Finance offers asset finance, invoice finance, vehicle finance between £10k to £2m at bespoke, with a 2 to 5 business days decision window. YouLend offers embedded mca / revenue-based finance between £1k to £1m at factor rate 1.06 to 1.45, with a same day decision window. Time Finance uses a soft search at quote. YouLend uses a soft search at quote. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
Time Finance is the wrong answer for sub-£10k self-serve tickets, route to iwoca or capify. YouLend is the wrong answer for off-platform ltds with no marketplace revenue, route to capify or 365 business finance. If either of those describes your file, look at the side-by-side table for the alternative route, or run the eligibility checker and the matcher will surface the right shortlist from the FundBiz specialty panel.
Can FundBiz help me choose between Time Finance and YouLend?
Yes. We are independent of either lender. The FundBiz specialty panel covers MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Tell us ticket size, trading history, sector and any prior declines. We match you against the panel lenders most likely to approve, and if your file needs a post-decline route we surface that explicitly rather than burning credit-file footprint with repeated mainstream applications.
Am I eligible to apply via FundBiz?
FundBiz works with limited companies, LLPs and partnerships of 4 or more partners. Sole traders and partnerships under 4 partners are out of scope and routed elsewhere. Both Time Finance and YouLend sit on our panel for the entity types we serve. Trading history requirements vary by lender, so the matcher pre-screens before sending the file across.
Related comparisons
Other UK specialty finance head-to-heads involving Time Finance or YouLend:
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel: MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Limited companies, LLPs and partnerships of 4+.
Check eligibility →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-10. Editorial by Best Business Loans Ltd (16833937).