YouLend — SME finance eligibility guide
YouLend provides embedded revenue-based finance and merchant cash advance through partner platforms to UK and international SMEs.
- Official site:
- youlend.com
- FCA reference:
- 841617
- Companies House:
- 09908949
- Trustpilot:
- view
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- Up to 2x monthly revenue
- Security / PG
- Security posture not consistently disclosed
- Speed
- Offer <24h; funding ~48h
Data confidence
Medium confidence. Some figures on this page are summarised from public sources but not always disclosed in full by the lender. Confirm specifics with the lender before applying.
Some details are not publicly disclosed by YouLend — verify directly before applying.
Products YouLend offers
A summary of the YouLend products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Sales-based funding | Merchant Cash Advance | Up to 2x monthly revenue | Not disclosed | Not disclosed | Offer <24h; funding ~48h | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of YouLend's products. This is educational guidance only and is not a quote or guarantee of approval.
Sales-based funding
Merchant Cash Advance
Source: View YouLend's Sales-based funding page on youlend.com ↗— Summary of YouLend's UK revenue-based funding page and partner-facing material.
Who YouLend's Sales-based funding may be suitable for
YouLend's Sales-based funding may be a possible fit when Partner-led; uses payment data and prequalification. Typical signals include card/pos/platform revenue; b2c or merchant-led sales; working capital need.
Common blockers
- No card/POS/platform revenue
- Not an existing platform merchant where platform-specific
- Restricted sectors
Repayment
YouLend structures repayment as: % of daily sales.
Speed to funding
YouLend indicates speed to funding around: offer <24h; funding ~48h. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
YouLend does not publicly disclose security or personal guarantee requirements for this product. Verify directly with the lender.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with YouLend. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with YouLend's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as YouLend.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
YouLend — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- YouLend — Sales-based fundingyoulend.comSummary of YouLend's UK revenue-based funding page and partner-facing material.
What this page is — and isn't
- Is: a plain-English summary of YouLend's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with YouLend on the official YouLend site before applying.
Frequently asked questions about YouLend
- What is the minimum trading history for YouLend?
- YouLend does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does YouLend require a personal guarantee?
- YouLend does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does YouLend publish?
- Published speed indicators for YouLend include: Offer <24h; funding ~48h. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is YouLend's minimum and maximum facility size?
- YouLend's published amount ranges are limited or not publicly disclosed. Some facilities may scale with revenue, asset value or property security — check the product table above.
- What is YouLend's published position on CCJs and adverse credit?
- YouLend does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether YouLend's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including YouLend's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.