YouLend
Embedded financing for platforms, with UK, Danish and German entities
Quick Overview
| Company | YouLend Limited, YouLend ApS and YouLend GmbH |
|---|---|
| Category | Business Lending Platforms |
| Headquarters | London, United Kingdom |
| Founded | Not stated |
| EU Presence | Yes - United Kingdom (FCA), Denmark (Finanstilsynet) and Germany (HRB 273100) |
| Data Location | not stated on the pages we read |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Capital, Instant Payouts, Spend, embedded financing for platforms, partner API, merchant settlement accounts |
| Pricing | not shown on the pages we read |
| Best For | Platforms, payment providers and banks that want to offer financing, and merchants on those platforms |
| Replaces | BlueVine Line of Credit |
Detailed Review
YouLend Limited is authorised and regulated by the Financial Conduct Authority as a payment institution under firm reference number 947287. YouLend ApS is authorised by the Danish Financial Supervisory Authority as a payment institution under FTID 22048. In Germany the website is provided by YouLend GmbH in Munich, registered under HRB 273100.
YouLend states that its embedded funding can be live on a partner platform, in the partner's branding, within a week. The product menu lists Capital, Instant Payouts and Spend, and the country picker lists the UK, US, Germany, Spain, Poland, the Netherlands, France and Denmark.
How does YouLend deliver financing?
YouLend provides financing inside partner platforms such as ecommerce, payment service providers, banks, software and brokers. The site lists these as industries.
YouLend operates settlement accounts controlled by YouLend, to which sales processors or card processors send funds for repaying the financing contract.
Entities and regulation at YouLend
YouLend Limited and YouLend ApS are authorised payment institutions in the UK and Denmark. YouLend GmbH is the German website provider, with managing directors Mikkel Velin and Kasper Larsen.
The pack does not name YouLend's owners or investors.
YouLend as a European alternative to BlueVine
YouLend contracts with European entities where Bluevine Inc. contracts in the US. YouLend also lists a US site, so US business is part of its coverage.
BlueVine sells its own line of credit. YouLend mainly sells through platforms, so a merchant often meets YouLend inside a partner's product.
Limitations to Consider
The pages we read show no prices, loan sizes or repayment terms. Owners are not named, so the ownership check rests on the three contracting entities. A US country site exists. YouLend is platform-first, and a single business may not be able to apply directly. Compare Banxware for a German embedded lender.
Who Should Use YouLend
Platforms, payment providers and banks in Europe that want to embed financing, and merchants who already sell on those platforms.
Pros and Cons
Pros
- Three European entities with regulator references published
- Eight country sites listed
- Live on a platform within a week, per the site
- Settlement account model described in the terms
- Capital, payouts and spend products listed
Cons
- No prices or terms in the text we read
- Owners not named in the text we read
- US site also exists
- Platform-first, not for direct application by every business
Alternatives to YouLend
Other European business lending platforms worth comparing before you decide:
See all European business lending platforms or compare them directly against BlueVine Line of Credit on our alternatives page.
Frequently Asked Questions
For merchants on platforms that partner with it, yes. YouLend operates through UK, Danish and German entities, though its model is platform-first.
Yes. YouLend Limited is an FCA-authorised payment institution (FRN 947287), and YouLend ApS is authorised by the Danish FSA (FTID 22048).
YouLend states that its embedded funding can be live on a platform, in the platform's branding, within a week.