YouLend

About Youlend

YouLend is a leading UK-based fintech, launched in 2016, that delivers flexible, revenue-based financing to small and medium-sized businesses. Headquartered in London, the company enables fast access to working capital by embedding its funding solutions directly within the platforms SMEs already use—such as e-commerce sites, point-of-sale systems, and payment processors.

With a technology-first approach and real-time data analysis, YouLend makes business funding more accessible, helping thousands of merchants across the UK and internationally secure the capital they need to grow.

Key Milestones

• Over £1 billion in funding delivered to SMEs in the UK
• £4 billion private securitisation deal secured with J.P. Morgan to scale SME funding
• Best Fintech Innovation at the Future Digital Awards 2024

YouLend Merchant Cash Advance – At a Glance

YouLend offers merchant cash advances ranging from £3,000 to over £2,000,000 with repayments tied to daily card sales. This flexible revenue-based model allows businesses to repay a fixed percentage of their takings so repayments automatically adjust in line with cash flow and performance.

Whether you need to buy stock, invest in growth, or manage day-to-day cash flow, YouLend provides fast and flexible funding with same-day offers and access to funds in as little as 48 hours after approval.

There are no interest charges, just one clear fixed fee which is agreed upfront along with a payment plan. Once onboard, you can also access flexible same-day top-ups to help manage evolving business needs.

Eligibility Criteria

To qualify for a YouLend Merchant Cash Advance, your business must:

• Be based in the UK
• Have been trading for at least 3 months
• Process a minimum of £1,500 per month in card transactions
• Operate as a sole trader, partnership, or limited company

Reviews

YouLend has an 'Excellent' 4.8 rating on Trustpilot.