YouLend
Embedded financing platform that lets e-commerce, payments and tech platforms offer revenue-based financing to their SMB merchants under their own brand.
YouLend provides white-label software and APIs that let partners like Amazon, eBay, Shopify, Etsy, Worldline, Upwork and Just Eat Takeaway offer financing to their merchants. Repayments come out of the merchant's future card or online sales. It works in more than 10 countries and said in September 2026 that it had funded over 400,000 businesses. It is mainly debt-funded: it closed a £4B private securitisation with J.P. Morgan in 2024, and in March 2026 Värde Partners agreed a forward-flow deal to buy up to $225M of its U.S. receivables. In 2026 it also moved into a larger U.S. headquarters in Atlanta and opened a Berlin office.
