Frequently asked questions

Everything you need to know about embedded finance provider YouLend, such as solutions and products, regions of operation, regulatory questions, data security and privacy, operations, and much more.

Who is YouLend for?

YouLend is an embedded revenue-based finance provider that helps partners extend their value proposition by offering financing products to their customers.

YouLend can partner with technology companies, marketplaces, e-commerce providers, payment solution providers, banks and any other company whose customers are small and medium-sized businesses.

YouLend is an embedded finance provider - but what is embedded finance?

Put simply, embedded finance enables businesses to ‘embed’ financial services into their business models at various points along their customers’ journey by leveraging their own proprietary data on top of external financial information.

This allows any company - not just financial institutions - to become more competitive by offering financial services and products to their customers.

What size of businesses does YouLend offer funding to?

YouLend offers funding between amounts ranging from $1,000 to $1,000,000 to all types of small and medium businesses.

Is YouLend suitable for offering working capital for small businesses?

We are live and already serving business owners in all the following countries: United States, United Kingdom, Netherlands, Poland, Ireland, Belgium, Spain, Denmark, Sweden, and Germany.

What security and reliability measures do you have in place for your products?

We invest significant resources in protecting the privacy and security of our partners' data, and reliably process millions of data points for some of the world's best-known brands. As a consequence, we have a strong focus on security and compliance with a comprehensive framework including policies, standards and governance forums.

We can provide more technical information on our infrastructure, data management, stability and scalability if needed - just reach out for a demo!

Does YouLend do Merchant lending?

The YouLend products are an alternative to lending, but yes, we do work with merchants of all types: brick-&-mortar businesses, online shops, standalone or chain businesses, freelancers, and other types of SMEs who need access to funds quickly, at a competitive price, and with flexible revenue-based repayment schedules.

Is YouLend a cash advance?

The YouLend Capital product is similar to a cash advance in some ways, but with two key distinctions. We do not base our fee on a base interest rate, and we use a diversified portfolio of funders for our capital. Both of these ensure that what we offer is far more transparent, inclusive, and fairly priced that traditional cash advance products.

Do I need any sort of license to offer YouLend products, such as a banking license, and issuer license, or other?

No. Because YouLend is a white-labelled solution that is embedded in your platform or user  journey, we take care of the regulatory aspects of the product. We can share more details about the infrastructure that allows us to operate in many jurisdictions and with all types of partners - just reach out for a demo.

What do I need to go live?

Depending on the  product you choose to go live with, you might be able to embed YouLend on  your platform is as little as seven days. You do not need any internal coding resources, or any of your own capital. We only need to have the right data  sharing agreements in place to launch a pilot with our partners.

Do you use Open Banking?

Yes, YouLend collects rich data on our partners' customers who apply for funding. This data comes from the partner, from credit agencies, from publicly available data, and also from the business owner's bank through Open Banking.

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