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Global embedded financing platform providing flexible funding solutions integrated into platforms.

Last updated September 1, 2026

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Nov 4, 2026
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Nov 4, 2026

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Overview

YouLend is a global embedded financing platform that enables SMEs to grow with flexible funding. It operates across the UK, Europe, and the USA, and has funded over 370,000 businesses, contributing £9 billion in SME revenue. The company was founded in 2016 and launched in the UK and Ireland in 2018, expanded into Europe in 2022, and launched in the United States in 2023.

History

YouLend was founded in 2016 when its founder saw a gap in the SME financing space. It was born in CTO Mark Ufland's bedroom with just seven employees, two computer screens and a standing desk. In 2018, YouLend launched in the UK and Ireland. In 2021, it saw new partners and international growth. In 2022, it expanded into Europe. In 2023, it launched in the United States. In 2024, it received a £4 billion financing investment from J.P. Morgan.

Products and positioning

  • Embedded funding solutions

    Flexible financing integrated directly into your platform, live within a week.

Recent events

  • Reported

    eBay announces plan for UK seller lending service[5]

    eBay said it would announce the launch of its eBay Seller Capital program in the UK, initially working with online lender YouLend to offer loans to small and medium-sized businesses selling on eBay's UK platform. The article describes a planned announcement and does not establish that the service had launched.

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