Frequently Asked Questions

Below you'll find answers to some common questions about YouLend, such as our products, regions of operation, data security and privacy, operations, and much more.

Who is YouLend for?

YouLend is an embedded finance provider that helps partners extend their value proposition by offering financing products to their merchants.

YouLend can partner with technology companies, marketplaces, e-commerce providers, payment solution providers, banks, brokers, and any other company whose customers are small and medium-sized businesses.

If you are a small business applying for direct funding - click here.

YouLend is an embedded finance provider - but what is embedded finance?

Put simply, embedded finance enables businesses to ‘embed’ financial services into their business models at various points along their customers’ journey by leveraging their own proprietary data on top of external financial information.

This allows any company - not just financial institutions - to become more competitive by offering financial services and products to their customers.

What size of businesses does YouLend offer funding to?

YouLend offers funding between amounts ranging from £3,000 to £1,000,000 to all types of small and medium businesses.

Is YouLend suitable for offering working capital for small businesses?

We are live and already serving business owners in all these countries.

What security and reliability measures do you have in place for your products?

We invest significant resources in protecting the privacy and security of our partners' data, and reliably process millions of data points for some of the world's  best-known brands. Given this, we have a strong focus on security and compliance with a comprehensive framework including policies, standards and governance forums.

We can provide more technical information  on our infrastructure, data management, stability and scalability if needed - just reach out for a demo!

What do I need to go live?

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.

Do you use Open Banking?

Yes, YouLend uses Open Banking to obtain your payment data and generate appropriate offers for you based on this data.

Is YouLend regulated?

YouLend Limited is authorised and regulated by the Financial Conduct Authority (FCA) as a Payment Institution to provide payment services within the UK under firm reference number 947287.

Payment services mean the opening and operating of settlement accounts for merchants, where funds can be sent by sales processors or card processors for the purpose of repaying the merchant financing in the UK.

For more information about what it means to be regulated please see the FCA’s website.

YouLend’s merchant financing agreements in the UK are not regulated by the FCA.