← 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.
◇ article2026-07-27
REA Card brings YouLend financing to Germany's offline merchants
REA Card and YouLend launch embedded financing for German SMEs, with offers based on card revenue instead of bank credit checks.
youlend
Source · Embedded Finance Review ↗
◇ article2026-07-20
JTL and YouLend bring embedded lending to German e-commerce merchants
JTL and YouLend launch embedded lending for German e-commerce merchants, with same-day financing inside the JTL-Wawi ERP ecosystem.
youlend
Source · Embedded Finance Review ↗
◇ article2026-07-07
Just Eat Takeaway.com and YouLend cross € 150m in restaurant financing
Just Eat Takeaway.com and YouLend have passed €150m in embedded financing to restaurants across seven European markets.
youlend
Source · Embedded Finance Review ↗
◇ 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 ↗
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.