Full-Time
Underwriter
Credit Decisions Analyst
Posted on 8/21/2025
YouLend
501-1,000 employees
Revenue-based financing for ecommerce merchants
Compensation Overview
£31k - £41k/yr
London, UK
In Person
 Finance & Banking (1) |
|---|
- 1-2 years' experience in a similar role, with strong exposure to Underwriting
- Have excellent attention to detail and be confident working with numbers and data
- Be confident while analysing data and presenting results
- Strong use of excel or any data analysis software
- Be highly organised and reliable
- Ability to work under pressure
- Team player
- Target driven
- Passionate and customer focused
- Assessing merchants on ability to repay
- Pricing deals
- Reviewing credit reports
- Assessing revenue and payment data
- Verifying identity
- Assessing onboarding risks
- Confirming PEP/Sanction matches
- Reviewing Cifas flags
- Assist team members with queries
- Identify and flags problems
- Suggests improvements to processes
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.
Company Size
501-1,000
Company Stage
N/A
Total Funding
N/A
Headquarters
London, United Kingdom
Founded
2015
Simplify's Take
What believers are saying
- Värde Partners $225M forward-flow facility and Castlelake $1B facility unlock capital to fund 370,000+ merchants globally.[1]
- Upwork partnership targets 20M U.S. freelancers generating $1.5T annually, historically underserved by traditional lenders.[1]
- European expansion via Worldline, Teya, Buckaroo reaches 54,000+ merchants with €250K-£2M funding in 24-48 hours.[1]
What critics are saying
- E-commerce sales slowdown triggers merchant defaults, forcing Värde Partners to halt $225M facility and demand recourse.[1]
- Klarna bundles BNPL with cash advances at lower costs, diverting 20-30% of YouLend's UK/EU originations.[1]
- CFPB Section 1071 compliance costs $5-10M and delays Atlanta expansion within 3-6 months.[1]
What makes YouLend unique
- Embedded financing integrated directly into partner platforms eliminates friction versus standalone lender applications.[3][4]
- Universal revenue underwriting across ACH, bank transfers, checks, and invoices expands eligibility beyond card-only competitors.[4]
- 60% annual growth since 2022 while maintaining profitability demonstrates sustainable unit economics at scale.[1]
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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
Company News
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.
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.
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.
YouLend secures multi-year forward-flow facility from Värde Partners to accelerate U.S. Growth. YouLend announces a multi-year forward-flow partnership with Värde Partners to expand its funding capacity and support small businesses across the United States. Last updated March 3, 2026 Partnership Atlanta, United States - March 3rd, 2026 - YouLend, the leading global embedded financing platform fore-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)[1] 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. [1] https://www.uschamber.com/small-business/small-business-data-center [2] https://www.bls.gov/opub/ted/2025/small-businesses-continue-to-outpace-large-businesses-in-job-creation.htm Explore its blog. YouLend announces a multi-year forward-flow partnership with Värde Partners to expand its funding capacity and support small businesses across the United States. The embedded financing opportunity: why 2026 is the year platforms move beyond payments. YouLend and Intuit team up to bring embedded capital to quickbooks UK customers. New offering tackles critical financing barriers, with 40% of entrepreneurs citing lack of capital as a growth obstacle, according to new Intuit research Worldline and YouLend launch cash advance to unlock fast, seamless capital for europe's SMBs. New embedded financing solution gives merchants access to up to €250,000 in as little as 48 hours - with zero paperwork and repayments linked to daily turnover YouLend reaches 370,000 businesses funded, delivering profitable growth built to last. YouLend's annual growth averages 60% since 2022, whilst maintaining profitability in FY24/25 YouLend and Upwork partner to expand financial access for U.S. Freelancers, funding $1 million in first months. Partnership embeds YouLend financing into Upwork's platform, giving independent talent faster, more inclusive access to growth capital Castlelake and YouLend sign multi-year Financing Facility, boosting US funding potential. YouLend Announces 3-Year Financing Facility with Castlelake to Fund US SMBs, Expanding US Financing Potential to $1 Billion flexible funding Ready to get started? YouLend Limited'd love to learn how YouLend Limited can help you connect more deeply with your merchant customers. No interest to pay, just a fixed fee Straightforward customer experience Transparent pricing
Worldline and YouLend launch Cash Advance: A seamless financing solution for european SMBs. Worldline and YouLend have launched Cash Advance, an embedded financing solution for small and medium-sized businesses (SMBs) in Europe. The solution allows merchants to access up to €250,000 in as little as 48 hours with no paperwork and repayments linked to daily turnover. Cash Advance combines Worldline's payments infrastructure with YouLend's advanced embedded financing technology for a seamless lending experience tailored to SMBs' needs. The companies plan to expand the solution across Europe and introduce new product features to meet evolving SMB needs. Ask Aime: How does the launch of Cash Advance impact SMBs in Europe? Or continue with others.