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YouLend

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 45 companies across 1 category.

youlend.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending
Rank#3 of 259 in Lending
Buyers45 companies
HeadquartersLondon, United Kingdom
Founded2015

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Founders & story · from YouLend’s own dossier

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.

Latest round: $1B securitisation/forward-flow (2024-2026)
Recent developments
  • 2026-03Värde Partners forward-flow agreement to purchase up to $225M in receivables for US expansion. source ↗
  • 2024-01JP Morgan £4bn private securitisation deal closed. source ↗
  • 2024-10-01Secured a $1 billion financing facility from Castlelake for the US market; new partnerships with Etsy, FreshBooks, Paysafe. source ↗
  • 2026-03-01Secured a forward-flow facility with Värde Partners for US market expansion. source ↗
Full dossier: YouLend’s own stack, layer by layer →
In the press
embeddedfinancereview.com ↗
Coverage of YouLend sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2026-09-24
Dojo and YouLend pass £2bn in merchant funding as Dojo adds a second lender
Dojo and YouLend have passed £2bn in UK merchant funding, while Dojo also runs Liberis. Why two similar lenders, and how Teya and eBay use a second lender differently.
Source · Embedded Finance Review ↗
◇ article2026-09-01
Glovo adds a second lender, comrce points its merchants at YouLend
Glovo and PragmaGO launch PragmaCash in Spain and Romania, comrce points merchants to YouLend, plus Parafin's $300m facility.
Source · Embedded Finance Review ↗
◇ 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.
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.
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.
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.
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.
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.
Source · Embedded Finance Review ↗
Who uses YouLend
45 companies disclose YouLend in their stack
Pay.nlWorkWaveREA Card GmbHJtl SoftwareIntuit QuickBooksMollieWorldlineTpay MobileEquensworldlineEtsyTideTakepayments+33 more
Buyer mix · 44 of 45 classified
Infrastructure / Payments · 8Fintech / SMB banking · 7Marketplace / Two-sided · 4Marketplace / Food delivery · 3Vertical SaaS / E-commerce · 3Vertical SaaS / Restaurants · 3E-commerce / Platform · 2Fintech / Cross-border payments · 2
EU · 19UK · 13US · 9MENA · 1Canada · 1
What the disclosures say
Pay.nl
“Pay.'s Merchant Financing page explicitly states 'thanks to a close cooperation with YouLend' merchants can borrow €1,000-€500,000 with turnover-based repayments.”
WorkWave
“2024 press release: 'WorkWave Bolsters Financial Services Product Offering With Wisetack and YouLend Partnerships'.”
REA Card GmbH
“REA Card's own product page (rea-card.de/produkte/terminalkredit) describes the 'REA Terminalkredit' powered by the REA Card × YouLend partnership, offering revenue-based financing repaid via a percentage of card-payment turnover.”
Jtl Software
“Lending provider pages (NMI, YouLend, Jifiti, Softloans) appeared in search results but none mention JTL Software — these are vendor marketing pages with no reference to JTL.”
Intuit QuickBooks
“quickbooks.intuit.com/learn-support/en-us/help-article/loans/quickbooks-capital-faq/ — 'Loans are originated by WebBank and made available through QuickBooks.' quickbooks.intuit.com/learn-support/articles/quickbooks-product-updates/access-flexible-capital-through-quickbooks-youlend/ — UK partnership with YouLend for re…”
Mollie
“YouLend publicly lists Mollie as a customer (youlend.com — TIER 1 known_customer_listing); mollie.com/news/mollie-launches-capital and mollie.com/products/capital describe Mollie Capital as cash advances repaid as a percentage of daily sales, up to €250,000 / £250,000; YouLend is the infrastructure provider behind merc…”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent YouLend? Claim this profile above to unlock your own full list.
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What YouLend runs on · from its own dossier
The third-party providers YouLend itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose YouLend.
PSP
Stripe
Open Banking
Plaid
Full dossier with evidence for each layer →
Alternatives to YouLend

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm64 buyers →klarna54 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →finmid17 buyers →Afterpay16 buyers →
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Ranked #3 of 259 in Lending — Embedded Finance Index 2026
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YouLend — frequently asked

Which companies use YouLend?

45 companies disclose YouLend in their stack in the Embedded Finance Index 2026, including Pay.nl, WorkWave, REA Card GmbH, Jtl Software, Intuit QuickBooks, Mollie, Worldline, Tpay Mobile, Equensworldline, Etsy and 2 others.

What does YouLend do?

YouLend is an embedded-finance provider in Lending. It ranks #3 of 259 Lending providers by disclosed buyers.

What are the alternatives to YouLend?

The most-disclosed Lending alternatives to YouLend are Affirm (64 buyers), klarna (54 buyers), Mambu (36 buyers), Stripe Capital (33 buyers), Wisetack (27 buyers) and Liberis (21 buyers).

Where is YouLend headquartered?

YouLend is founded in 2015 and headquartered in London, United Kingdom.

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