YouLend

Panel embedded-finance specialist we route to when the applicant sells through Amazon, eBay, Just Eat, Deliveroo, Shopify or a similar marketplace. Pre-approval is often already sitting inside the platform, so the matcher uses YouLend when the applicant profile flags marketplace-led revenue. Strongest panel option when the applicant revenue lives mostly inside one of those gateways and a Capify card-flow advance would underrate the file.

Quick routing verdict

  • Product: Embedded MCA / revenue-based finance.
  • Ticket band: £1k to £1m.
  • Decision time: Same day.
  • Pricing: Factor rate 1.06 to 1.45.
  • Soft search at quote stage: no credit-file footprint.
  • FCA-authorised.

At a glance

Legal entity
YouLend Limited
Companies House
09111373
Founded
2015
Product
Embedded MCA / revenue-based finance
Ticket range
£1k to £1m
Decision time
Same day
Ltd-only
Lender accepts other structures, FundBiz routing is Ltd-only
Last reviewed
2026-06-12

Why we route here

  • 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.

When we route elsewhere

  • 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.
  • Bad fit for term-loan or asset-backed needs, route to Funding Circle, Allica or Time Finance.

Best fit applicants

  • 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

Where YouLend is the wrong fit

  • Off-platform Ltds with no marketplace revenue, route to Capify or 365 Business Finance
  • Term-loan seekers, route to Funding Circle, Allica or Aldermore
  • Pre-revenue applicants, route to Start Up Loans Company

If declined by YouLend

If your application to YouLend is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our YouLend decline runbook for sector-specific routing detail, and our side-by-side guide to YouLend alternatives for the closest UK specialty finance providers.

Other panel lenders

Editorial reviews

For independent editorial reviews of YouLend and the wider UK SMB lending market, see our sister site BestBusinessLoans.

Run the matcher

Tell us your turnover, sector and ticket size. We score against YouLend and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

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Last reviewed: 2026-06-12. By Oliver Mackman.

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