YouLend Review & Pricing (2026)

YouLend

Funding & Payments

YouLend is an embedded finance provider that supplies revenue-based funding to small and medium businesses, mostly white-labelled inside partner platforms including Amazon, eBay, Shopify, Etsy and Just Eat. Funding is repaid automatically as a fixed percentage of sales for a single fixed fee rather than interest, with no fixed term. YouLend Limited is authorised as a payment institution by the Financial Conduct Authority, and the company states it has funded more than 370,000 businesses across ten live countries.

For Amazon sellers, YouLend is the named provider behind two Amazon Lending products in the United Kingdom: the merchant cash advance and the flexible financing line. Those are accessed by invitation inside Seller Central rather than bought from YouLend directly, so a seller cannot self-select the Amazon-branded product on YouLend's own site. Businesses in supported countries can also apply directly for general funding, which is a separate route with its own eligibility assessment.

Capabilities
Working Capital
Revenue-based financing sized to a business's cash flow, seasonality and sales patterns.
Flexible Finance Line
A pre-approved line that can be drawn from multiple times, with charges only on what is used.
Fixed Payments
A set funding amount with fixed repayments for businesses that want predictability.
Instant Payouts
Releases a merchant's funds as soon as a sale is made, for a small fixed fee agreed upfront.
Sales-Linked Repayment
Collects a pre-agreed percentage of sales automatically rather than a fixed monthly amount.
Open Banking Underwriting
Uses Open Banking payment data to generate funding offers.
Direct Application
A three-step online application with no physical documents and offers stated in as little as 24 hours.
Embedded Integration
No-code, prebuilt component and full API routes for platforms embedding funding into their own product.
Strengths
YouLend Limited is authorised as a payment institution by the Financial Conduct Authority, reference 947287, and YouLend ApS by the Danish Financial Supervisory Authority.
Named by Amazon as a provider behind the merchant cash advance and flexible financing line in the United Kingdom.
Charges a single fixed fee with no interest, no early repayment fee and no late repayment fee.
Repayments are collected as a percentage of sales, so they scale down in slower trading periods.
States funding of more than 370,000 businesses and more than 300 partner platforms across ten live countries.
Publishes approval and renewal figures, including a stated 90% approval rate.
Secured a multi-year forward flow facility with Varde Partners in March 2026 to support United States growth.
Considerations
The Amazon-branded products are accessed by invitation inside Seller Central and cannot be bought directly from YouLend.
No pricing figures are published on YouLend's own site; the only worked fee example appears on Amazon's Lending page.
YouLend states that its merchant financing is not itself regulated by the Financial Conduct Authority, although the company is authorised for payment services.
Operations are live in ten countries, with several other markets listed as coming soon or contact only.
No minimum revenue or minimum trading period is published for the direct application route.
Where a third party has introduced a business to YouLend, YouLend may pay that introducer a commission based on the fixed fee.
Published figures for businesses funded vary between pages of the site, so teams should confirm current scale directly.
The Amazon partnership announcement on YouLend's own site dates from 2023, so current programme details should be confirmed on Amazon's Lending page.
Pricing
Single fixed fee per advance; rates not published
Not applicable; applying is free
Visit website
CategoryFunding & Payments
TypeHybrid
Pricing modelFlat fee
MarketplacesAmazon, eBay, Shopify, Etsy
Best forUK sellers invited to Amazon Lending

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