← Embedded Finance Index 2026

Youlend

Also a provider — view Youlend’s profile →

“Can a single embedded financing platform power SME capital for every major e-commerce, PSP, and marketplace globally?”

Founded2015
HQLondon, United Kingdom
Latest round$1B securitisation/forward-flow (2024-2026)
IndustryInfrastructure / Lending
The story

Founded 2015 as a revenue-based finance provider for SMEs, YouLend has evolved into a global embedded financing platform that white-labels capital products through e-commerce, PSP, and tech partners (Amazon, eBay, Shopify, Dojo). The strategic focus is on becoming the lending rails behind partner-branded merchant cash advances and instant payouts, rather than originating directly to merchants.

Last 12 months
2026-03
2024-01
Product timeline
2015
YouLend founded in London as a revenue-based finance provider for SMEs.· founding
2024
Secured £4bn private securitisation deal with JP Morgan.· capital
2026
Värde Partners forward-flow agreement (up to $225M) to bolster US expansion.· capital
Regulated entities
1
regulatory licence held by Youlend
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
In the press
embeddedfinancereview.com ↗
Coverage sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2026-02-04
QuickBooks launches Capital Marketplace in UK with YouLend as launch partner
QuickBooks launches Capital Marketplace in UK with YouLend as launch partner, offering SMBs £1k-£2m funding directly within the accounting software.
youlend
Source · Embedded Finance Review ↗
◇ article2026-01-20
Worldline launches merchant financing with YouLend
Worldline launches Cash Advance with YouLend. RentSpree adds embedded banking for landlords. Plus: Saga partners with NatWest Boxed, Banxware news.
youlend
Source · Embedded Finance Review ↗
◇ article2026-01-19
Worldline and YouLend Launch Cash Advance for European SMBs
Worldline launches merchant financing with YouLend. Plus: why PSPs are racing to add lending, and YouLend's $230M revenue milestone.
youlend
Source · Embedded Finance Review ↗
◇ article2025-09-08
Mews Promotes Existing Hotel Financing Solution via YouLend Partnership
Mews re-emphasizes hotel financing solution with YouLend in new design content, offering UK hotels £3k-£1M funding with revenue-based repayment for property improvements and upgrades.
youlend
Source · Embedded Finance Review ↗
◇ article2025-06-05
Exclusive: Shopify Capital Expands to UK and Germany via YouLend Partnership
Shopify Capital expands to UK and Germany with YouLend after funding $4.7B since 2016. How the embedded lending pioneer scales its European marketplace financing.
youlend
Source · Embedded Finance Review ↗
◇ article2024-10-27
Youlend secures $1 billion financing facility
Youlend secures $1B financing facility from Castlelake for US expansion with Etsy and FreshBooks while Dojo partnership surpasses £1B in UK SME lending.
youlend
Source · Embedded Finance Review ↗
◇ article2024-04-15
UK Restaurant SaaS Nory Launches £2M Embedded Lending with Youlend
UK restaurant SaaS Nory launches lending with Youlend as 89% of US vertical SaaS companies embed finance. Why payments are the beachhead for European SME platforms.
youlend
Source · Embedded Finance Review ↗
The stack
5 layers disclosed in Youlend’s embedded-finance stack
Payments / PSP
Stripe
Banking / BaaS
in the full report
Lending
in the full report
Open banking
in the full report
Accounting
in the full report
Accounting gap: minor
9 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.