YouLend

YouLend

Revenue-based financing for ecommerce merchants

Overview

YouLend provides revenue-based financing to merchants in ecommerce, technology, and payment service provider sectors. It offers fast access to funds with instant payouts from sales and repayments that are a fixed percentage of ongoing sales. Unlike traditional loans, there are no fixed installments and repayments are aligned with revenue, with easy no-code or code-first integrations and support for over 10,000 merchants. The goal is to help merchants grow by delivering flexible funding that adapts to sales performance and improves cash flow.

Significant Headcount Growth

About YouLend

Simplify's Rating
Why YouLend is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

501-1,000

Company Stage

N/A

Total Funding

N/A

Headquarters

London, United Kingdom

Founded

2015

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Simplify's Take

What believers are saying

  • March 2026 Värde Partners facility adds up to $225 million for U.S. originations.
  • July 2026 REA Card partnership opens German POS financing directly inside merchant terminals.
  • July 2026 Just Eat financing passed €150 million, proving repeatable demand across Europe.

What critics are saying

  • A July 2026 YouLend US data breach triggered class-action investigation and trust damage.
  • Platform partners like REA Card, Buckaroo, and Upwork control distribution and can replace YouLend.
  • Merchant-repayment dependence and receivables funding create a liquidity squeeze if sales weaken.

What makes YouLend unique

  • YouLend embeds financing inside payment and marketplace workflows, not separate bank portals.
  • Its revenue-linked repayments align cash collection with merchant sales across 2026 partner platforms.
  • The platform scales across Europe and the U.S. with standardized integrations and fast underwriting.

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Benefits

Stock Options

Private Medical insurance via Vitality

EAP with Health Assured

Enhanced Maternity and Paternity Leave

Modern and sophisticated office space in Central London

Free Gym in office building in Holborn

Subsidised Lunch via Feedr

Deliveroo Allowance if working late in office

Monthly in office Masseuse

Team and Company Socials

Football Power League / Squash Club

Growth & Insights and Company News

Headcount

6 month growth

28%

1 year growth

28%

2 year growth

29%
Financial IT
Jul 27th, 2026
Embedded capital where payments are processed: YouLend and REA Card launch strategic partnership in Germany.

Embedded capital where payments are processed: YouLend and REA Card launch strategic partnership in Germany. * Infrastructure * 27.07.2026 01:06 pm YouLend, the world's leading embedded financing platforms, and REA Card, a provider of cashless payment solutions for brick-and-mortar retail, are entering into a strategic partnership in Germany. The aim is to give small and medium-sized enterprises (SMEs) quick, straightforward access to working capital. Merchants using REA Card's POS terminals, cash register systems, or SoftPOS solutions can now access YouLend financing offers directly via the platform. The financing decision is based on actual card revenues rather than traditional bank-style credit checks. This reduces bureaucracy, speeds up disbursement, and makes capital accessible to businesses that are often left out of the traditional lending market. Financing without detours. The partnership targets restaurants, cafés, kiosks, bakeries, retailers, taxi companies, hair salons, and many other sectors that process card payments daily and regularly need capital for inventory purchases, seasonal demand, or growth investments. The financing is fully integrated into the existing payment environment. Merchants do not need to submit a separate application; instead, they receive an offer based on existing data. "Small businesses have no time for bureaucracy. When essential working capital is lacking, a decision for financing cannot take weeks," says Leonard Strigel, General Manager Europe at YouLend. "With REA Card, we are bypassing this hurdle by bringing instant financing to the place where merchants work daily: their card terminal." Complementary strengths, shared goal. The partnership brings together REA Card's established merchant relationships and payments infrastructure with YouLend's scalable embedded financing technology and AI-driven decision models. The technical integration is complete; eligible REA Card merchants can access financing offers immediately. In a second phase, a deeper integration into REA Card's existing product portfolio is planned. "Our customers deserve a partner that not only helps them take payments, but also helps them grow," says Phillip Becker, CEO bei REA Card. "With YouLend, we offer our merchants fast access to capital based on their actual business performance."

BCR Publishers
Jul 7th, 2026
YouLend and Just Eat surpass €150m in embedded finance for European restaurants.

YouLend and Just Eat surpass €150m in embedded finance for European restaurants. YouLend and Just Eat Takeaway.com have provided more than €150m in financing to restaurants and takeaways across seven European markets, marking a new milestone for embedded SME finance. The partnership... Access this and all articles from the last 10 days for free with a BCR News membership. Or access all articles with an annual subscription.

YouLend
Mar 25th, 2026
Buckaroo and YouLend launch Buckaroo Capital.

Buckaroo and YouLend launch Buckaroo Capital. Fast financing for entrepreneurs directly from the payment platform Last updated March 25, 2026 Partnership London, 24 March 2026 - Payment service provider Buckaroo and fintech YouLend are launching Buckaroo Capital during the Webwinkel Vakdagen, a new financing service for entrepreneurs in the Benelux. Entrepreneurs will soon be able to access flexible working capital directly via the Buckaroo portal, based on their own transaction data. With Buckaroo Capital, entrepreneurs gain insight into the financing options available to them. They can then apply for this directly from their existing payment environment. Payment takes place automatically through a percentage of future revenue. This means repayments move in line with the company's actual sales. Many entrepreneurs find it difficult to quickly obtain financing through traditional banking channels, where application procedures are often lengthy and complex. By using transaction data from the Buckaroo platform, financing can be offered faster and tailored to the company's current revenue. Paul Scholten, CEO of Buckaroo commented, "Many entrepreneurs need quick access to working capital without lengthy application procedures. By linking financing to transaction data from our platform, entrepreneurs can invest in the growth of their business more quickly." With Buckaroo Capital, the company is further expanding its services for its more than 54,000 customers in the Benelux with embedded finance solutions, where various financial services are directly integrated into the payment platform that customers use daily. Buckaroo intends to add more embedded finance solutions in the near future. An example of this is the recently announced partnership with Bizcuit, which strengthens integration with accounting software. The financing infrastructure behind Buckaroo Capital is provided by YouLend, an international specialist in embedded finance. YouLend has been working with Buckaroo for a long time and sees this joint solution as a strategic strengthening of the partnership. Luuk Visschedijk, Head of Strategic Partnerships, YouLend, said, "By integrating our technology into the Buckaroo platform, we make YouLend financing more accessible to entrepreneurs in the Benelux. Within their existing environment, they can immediately see what financing is available and make efficient use of it." Buckaroo Capital will be integrated for Buckaroo customers in the Benelux. Full integration with the payment platform is expected to be completed before the summer of 2026. For more information, visit www.buckaroo.eu/capital.

FF News
Mar 4th, 2026
YouLend Secures Multi-Year Forward-Flow Facility from Värde Partners to Accelerate U.S. Growth

YouLend secures multi-year forward-flow facility from Värde Partners to accelerate U.S. Growth. YouLend, the leading global embedded financing platform for e-commerce, payment and technology platforms, today announces a multi-year financing partnership with Värde Partners, a global investment firm, to further expand its capital base in the United States. The financing is structured as a forward-flow agreement with potential for Värde to purchase up to $225 million in receivables originated by YouLend. Founded in 2016, YouLend provides flexible capital to small and medium-sized businesses (SMBs) through partnerships with leading platforms, allowing merchants to access funding seamlessly within the tools they already use to run their businesses. The new facility from Värde Partners will fund YouLend's originations in the U.S., further allowing YouLend to support the SMBs who, since the late 1990's, have accounted for between 43.5% and 50.7% of the U.S. gross domestic product (GDP) and have historically made up 62.7% of the total net job creation in the U.S. The partnership comes as global enterprise demand for embedded lending infrastructure accelerates, with platforms seeking to integrate financing directly into their merchant experience. To date, YouLend has provided funding to more than 370,000 businesses globally, responding to strong growth across its core markets. YouLend has recently expanded into a larger U.S. headquarters in Atlanta to support its growing American team and in January 2026 opened a Berlin office to further expand its footprint across the European Union. "Securing this facility is a significant step in scaling our U.S. platform," said Gaurav Maheshwari, Head of Capital Markets, at YouLend. "Värde's deep experience in U.S. asset-backed credit and speciality finance makes them a strong partner as we continue to invest in our U.S. capabilities and meet growing merchant demand in this core market." Nikhil Gupta, Managing Director at Värde Partners, added: "Värde is pleased to support YouLend's efforts to expand its capital base in the U.S., and we look forward to fostering a long-term partnership as YouLend continues to scale its footprint globally. This was an attractive partnership for us, particularly as YouLend operates in a market we know well, having ourselves financed numerous fintech payment processing platforms over the years." The agreement underscores YouLend's continued investment in the U.S. market. By deepening its funding capacity and operational infrastructure, the company is well-positioned to scale partner relationships and extend financing to a broader base of American small businesses.

Financial IT
Mar 3rd, 2026
YouLend secures $225M forward-flow facility from Värde Partners to expand US SMB lending

YouLend, a global embedded financing platform for e-commerce, has secured a multi-year forward-flow facility from Värde Partners, enabling the investment firm to purchase up to $225 million in receivables originated by YouLend in the United States. Founded in 2016, YouLend provides flexible capital to small and medium-sized businesses through partnerships with leading platforms. The company has funded more than 370,000 businesses globally and recently expanded its US headquarters in Atlanta whilst opening a Berlin office in January 2026. The facility will support YouLend's US originations as demand for embedded lending infrastructure accelerates. SMBs account for between 43.5% and 50.7% of US GDP and historically represent 62.7% of total net job creation in the country.

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