Fleksibel finansiering, integreret direkte i din platform.
Vores integrerede finansieringsløsninger kan være live på din platform, i din branding, inden for en uge.
.webp)
A global presence across the
UK, Europe and USA.
We exist to enable all SMEs to grow to their full potential with flexible funding. From Spain, to Germany to the United States, we've powered thousands of businesses worldwide.
300,000+
£9 billion
9+ countries
Empower your merchants, expand your market.
Today, SMEs demand more — seamless experiences, on-demand services, and integrated solutions, all under one roof.
At YouLend, we empower you to meet those demands effortlessly.
Exceptional user experience
Our fully digital platform ensures your merchants receive funds in as little as 24 hours — and 85% of our customers renew!
Effortless implementation
Go live in under a week — no coding, no upfront costs or capital required. Need tailored solutions? Our APIs are designed to adapt to your unique needs.
Proven results for your platform
We're experts in SME financing — approving every 9 out of 10 applicants. A boost in revenue and customer retention is just what we deliver.
How does it work? Apply in just 3 clicks.
.svg)
.svg)
Tell us about you
Complete an easy application with no physical documents required.
Get approved fast
You could have your funding approved in less than 24 hours.
.svg)
Repay automatically
Every sale you make, repay a percentage back to us automatically, with no interest.
Boost revenue and retention. Results you can rely on.
26% growth for YouLend-backed SMEs.
In the six months following funding, YouLend-backed SMEs grow by 26% on average.
Battle-tested APIs.
We embed our solution into your platform with a single API.
.svg)
Go live in as little as 7 days.
Our solutions experts can launch in less than a week, depending on the level of integration required.
.svg)
75% churn-rate reduction.
Boost customer loyalty with value-added solutions for business capital.
26% growth for YouLend-backed SMEs.
In the six months following funding, YouLend-backed SMEs grow by 26% on average.
Battle-tested APIs.
We embed our solution into your platform with a single API.
Go live in as little as 7 days.
Our solutions experts can launch in less than a week, depending on the level of integration required.
75% churn-rate reduction.
Boost customer loyalty with value-added solutions for business capital.
26% growth for YouLend-backed SMEs.
In the six months following funding, YouLend-backed SMEs grow by 26% on average.
Battle-tested APIs.
We embed our solution into your platform with a single API.
Go live in as little as 7 days.
Our solutions experts can launch in less than a week, depending on the level of integration required.
75% churn-rate reduction.
Boost customer loyalty with value-added solutions for business capital.
Trusted by 300+ partners.
Read the success stories from our partners around the world.
.webp)
Ecommerce
Increase your merchants' sales with capital as-they-go.
Payment Service Providers (PSPs)
Boost your core transactions with new financial services for your merchants.
Technology
Augment your platform's core offering with a capital solution.
Brokers
Fast and affordable funding for your clients. High approvals, award-winning customer service.
.webp)
We’ve heard from Amazon sellers in the UK how much they value fast, flexible, and accessible funding, which is why we’re excited to announce financing with YouLend that expands our range of funding options for Amazon sellers.
Samarth Gogia, GM B2B Payments & Lending
Amazon, United Kingdom
With YouLend, we have not only diversified our service offerings, but created a financial lifeline for our merchants in these testing times. It’s a testament to our commitment to evolve in line with market needs and merchant success.
Tomasz Żołnierz, Head Business Development
PayU, Poland
Glovo's strategy is to become the best digital ally for restaurants, enabling new opportunities to keep growing the market together.
This partnership with YouLend is going to build on our mission of enabling local restaurants to grow and thrive.
%201.webp)
Inés Jaén, Area Manager
Glovo, Spain
Finding a partner who would provide great service and a great experience to our merchants was very important. YouLend’s solution was a great match to our needs.
Yoon Choi, Senior Director Banking Relationships
Paysafe, USA
By partnering with YouLend, our sellers have access to fast and flexible business funding that can help them manage cash flow and focus on the bigger business challenges ahead.
Lawrence Bennet, Head of Financial Services
eBay, United Kingdom
YouLend’s flexible financing solution integrated seamlessly into our platform and helped us empower restaurant businesses in Germany to grow.
Christian Scheper-Stuke, Business Development
orderbird, Germany
We’ve heard from Amazon sellers in the UK how much they value fast, flexible, and accessible funding, which is why we’re excited to announce financing with YouLend that expands our range of funding options for Amazon sellers.
Samarth Gogia, GM B2B Payments & Lending
Amazon, United Kingdom
With YouLend, we have not only diversified our service offerings, but created a financial lifeline for our merchants in these testing times. It’s a testament to our commitment to evolve in line with market needs and merchant success.
Tomasz Żołnierz, Head Business Development
PayU, Poland
Glovo's strategy is to become the best digital ally for restaurants, enabling new opportunities to keep growing the market together.
This partnership with YouLend is going to build on our mission of enabling local restaurants to grow and thrive.
Inés Jaén, Area Manager
Glovo, Spain
Finding a partner who would provide great service and a great experience to our merchants was very important. YouLend’s solution was a great match to our needs.
Yoon Choi, Senior Director Banking Relationships
Paysafe, USA
By partnering with YouLend, our sellers have access to fast and flexible business funding that can help them manage cash flow and focus on the bigger business challenges ahead.
Lawrence Bennet, Head of FinancialServices
eBay, United Kingdom
YouLend’s flexible financing solution integrated seamlessly into our platform and helped us empower restaurant businesses in Germany to grow.
Christian Scheper-Stuke, BusinessDevelopment
orderbird, Germany
We’ve heard from Amazon sellers in the UK how much they value fast, flexible, and accessible funding, which is why we’re excited to announce financing with YouLend that expands our range of funding options for Amazon sellers.
Samarth Gogia, GM B2B Payments & Lending
Amazon, United Kingdom
With YouLend, we have not only diversified our service offerings, but created a financial lifeline for our merchants in these testing times. It’s a testament to our commitment to evolve in line with market needs and merchant success.
Tomasz Żołnierz, Head Business Development
PayU, Poland
Glovo's strategy is to become the best digital ally for restaurants, enabling new opportunities to keep growing the market together.
This partnership with YouLend is going to build on our mission of enabling local restaurants to grow and thrive.
Inés Jaén, Area Manager
Glovo, Spain
Finding a partner who would provide great service and a great experience to our merchants was very important. YouLend’s solution was a great match to our needs.
Yoon Choi, Senior Director Banking Relationships
Paysafe, USA
By partnering with YouLend, our sellers have access to fast and flexible business funding that can help them manage cash flow and focus on the bigger business challenges ahead.
Lawrence Bennet, Head of FinancialServices
eBay, United Kingdom
YouLend’s flexible financing solution integrated seamlessly into our platform and helped us empower restaurant businesses in Germany to grow.
Christian Scheper-Stuke, BusinessDevelopment
orderbird, Germany
Get started with your bespoke solution.
Choose from three powerful options to launch your custom capital product.
Referral
Interested in testing a capital offering with no integration required? Our referral program lets you do exactly that.
Hosted
Launch a simple hosted journey, in your own branding. Deepen integration as you go with our quickest route-to-market.
API
Looking for more control over your merchants' experience? Use YouLend’s rich API to build your custom user journey.
Fast, flexible revenue-based funding
Your merchants could get funded up to £2,000,000, and automatically pay with a fixed percentage of their sales.
Optimise your merchants’ cashflows
Instant Payouts pays out your merchant's funds as soon as they make a sale - giving them a smooth, hassle-free process.
Frequently asked questions
YouLend is an embedded financing provider helping partners like technology companies, marketplaces, e-commerce providers, and more extend their value proposition with financing products for small and medium-sized businesses.
If you're a small business applying for direct funding, click here.
Embedded finance enables businesses to seamlessly integrate financial services into their customer journeys. This allows any company—not just financial institutions—to offer competitive financial products and services to their customers.
We provide funding up to £2,000,000 to all types of small and medium-sized businesses.
Yes! We’re live and already supporting business owners in these countries.
We prioritise security by investing in cutting-edge technologies and policies to protect your data. Our compliance framework meets the highest standards, processing millions of data points for globally trusted brands. For more technical details, speak with our team.
Depending on the product you choose to go live with, you might be able to embed YouLend on your platform is as little as seven days. You do not need any internal coding resources, or any of your own capital. We only need to have the right agreements in place prior to the pilot launch.
Yes, YouLend uses Open Banking to access payment data and generate tailored funding offers quickly and securely.
Yes.
YouLend Limited is authorised and regulated by the Financial Conduct Authority (FCA) in the UK as a Payment Institution (Firm Reference Number 947287). For more details, visit the FCA’s website.
YouLend ApS is authorised and regulated by the Danish Financial Supervisory Authority (Finanstilsynet) as a Payment Institution (FTID: 22048) and provides payment services in Germany under the EU’s passporting regime. For more details, visit the website of the Danish Financial Supervisory Authority here: https://virksomhedsregister.finanstilsynet.dk/virksomhed-under-tilsyn-en.html?v=D4C89D38-AD34-F011-A1FA-005056901D70
If you have been introduced to YouLend by a third party, YouLend may pay them a commission. If commission is paid, this typically will be a percentage of the fixed fee under your financing. For more details, please ask the third party that introduced you, or your customer service contact.
Once you receive funding, you can pay your account at any time using any of the payment methods outlined here.
Improving the funding application journey for merchants with integrated embedded finance
The journey to securing business funding for merchants through traditional platforms is very manual and outdated. Integrated embedded finance offers a way to improve the experience for both businesses and providers with automated application processes.
Embedded finance solutions for marketplaces: How to drive growth and retention of merchants
As marketplaces increasingly become the one stop shop for online retail, we explore how embedded finance solutions for marketplaces can provide a new route to growth and retention of merchants.
%202.webp)
Hear from our partners
Since partnering with YouLend, Epos Now has seen a significant uplift in business funding to our customers compared to previous partners we have used. This is due to the agnostic, flexible, and automated capital offering now in place.
By partnering with YouLend, our sellers have access to fast and flexible business funding that can help them manage cashflows and focus on the bigger business challenges ahead.
Through our new partnership with YouLend, we can place funds in the hands of businesses that would have been otherwise locked out of funding, or would only have access to slow and expensive options.
We’re excited to keep exploring new ways to help our customers grow with fast, transparent, and flexible funding products.
By partnering with YouLend, we can offer restaurants - our customers - access to fast and flexible financing that will help them manage their cashflow, overcome the any bumps on the way, and then grow sustainably.
YouLend has been an excellent partner to provide cash advance funding to our merchants. The APIs are very rich and well-documented and the solutions team made it a breeze to go live.
After going live, the team have been committed to working with us to continually enhance the merchant experience.
