YouLend Limited, established in 2015 and based in London, is a Financial Conduct Authority-regulated non-bank lender focused on providing revenue-based finance to UK SMEs. The company offers unsecured, short-term funding solutions with flexible repayments typically linked to card and online sales performance. This approach may suit e-commerce, retail, and hospitality businesses needing working capital quickly without providing collateral. For further insights into related lending types, see our guides on cash advance and MCA loans.
Key features of YouLend Limited
YouLend's platform combines rapid, digital onboarding with technology integration to support both direct SME lending and embedded finance programmes for marketplaces and payment platforms.
- Fully online application with decisions often made within minutes for quick funding, linked to quick business finance.
- Funding up to £1,000,000 with no collateral required, matching the unsecured working capital loan market segment.
- Flexible repayment options including revenue-based finance, easing cash flow management compared to fixed-term loans such as those described in short-term business loans.
- Single fixed fee structure without compounding interest, providing transparent costs similar to other business loans.
- Integration with more than 15 payment platforms enables seamless embedded finance solutions for partners, linking to e-commerce financing.
Funding eligibility
You may qualify for YouLend funding if your business has at least four months active trading with minimum £2,500 monthly card or online sales. Eligibility also requires a UK-registered business with a UK bank account and no recent insolvency or significant County Court Judgements. Personal or director guarantees are commonly requested, aligning with standard personal guarantee requirements. For more about qualifying, see our guide on how to qualify for a business loan and related loan eligibility criteria.
Loan options
YouLend offers three main loan products suitable for businesses with steady card or online turnover, covering loans from £1,000 to £1,000,000 with 3 to 12-month terms and fixed fees between 6% and 25% of the advance amount.
- Flex Pay Revenue-Based Finance (Merchant Cash Advance): £1,000 to £1,000,000; 3 to 12 months; repayments taken as a percentage of daily sales. There is no traditional interest, only a fixed fee. Early repayment reduces the fee automatically. See our explanation of MCA loans for similar products.
- Fixed Pay Short-Term Business Loan: £1,000 to £1,000,000; 3 to 12 months; fixed daily or weekly repayments. Also features a single fixed fee without early repayment penalties. Ideal for those preferring repayment certainty. Related information is available under short-term business loans.
- Embedded Finance White-Label Funding: £1,000 to £1,000,000 per end merchant; 3 to 12 months; customised lending offers through platform integrations. This product is targeted at platforms and payment service providers rather than direct SME borrowers. See e-commerce financing for context.
How to apply
The application process is fully digital, designed for speed and convenience. Typical decisions are made within minutes, with funds usually available in 24 hours after acceptance. YouLend requires identity checks, verification of address, recent business bank statements or Open Banking consent, proof of trading entity, and director ID.
- Submit an online application via YouLend's portal or through an embedded partner platform supported by APIs. More on application process available at request funding form.
- Provide required documentation such as bank statements and identification to complete verification, see details under eligibility and document requirements.
- Wait for real-time decision or manual review within the same business day, accelerating access to funds aligned with norms detailed in business loans application process.
Funding Agent's view on YouLend Limited
YouLend provides rapid, unsecured funding tailored to SMEs with reliable card or online sales, particularly in e-commerce, retail, and hospitality. Its technology-driven model supports embedded finance services for business platforms, streamlining lending access. The short terms and fixed fees are clear but may be costly for capital-heavy or slow-growth businesses requiring longer-term finance. To explore alternatives, use Funding Agent's business loan calculator, check your loan eligibility, or compare lenders on business loans.
