Compare YouLend with Other UK Funding Providers
YouLend is one of the UK's top business funding providers, and they're on our panel. But just like car insurance, different providers use different models and specialise in different business types. Comparing ensures you find the best fit.
Independent comparison · All lenders on our panel · Apply once, compare offers
Side-by-side comparison
All providers below are on our panel. Apply once through CapExpand and we submit to the lenders most likely to suit your business.
| Lender | Type | Funding Range | Min Turnover | Speed | Personal Guarantee | Trustpilot | Best For |
|---|---|---|---|---|---|---|---|
| YouLend | MCA | £3K – £500K | £5K/mo card | 24-48 hours | Required | 4.5/5 | All business types, often the cheapest |
| 365 Finance | MCA | £10K – £400K | £10K/mo | 24-48 hours | Required | 4.8/5 | Hospitality, retail, restaurants |
| iwoca | Flexi-Loan | £1K – £1M | £2K/mo | 24 hours | Required | 4.8/5 | Flexible repayments, larger amounts |
| Capify | MCA | £5K – £500K | £5K/mo | 24-48 hours | Required | 4.1/5 | Quick approvals, repeat funding |
| Funding Circle | Term Loan | £10K – £500K | £5K/mo | 24-48 hours | Required | 4.6/5 | Established businesses, larger loans |
| Fleximize | Flexi-Loan | £5K – £500K | £5K/mo | 24 hours | Required | 4.9/5 | Flexible terms, personal service |
Why comparing matters
Think of it like car insurance. Two insurers can look at the same driver and quote very different prices, not because one is better, but because each uses a different model and specialises in different risk profiles.
Business lenders work the same way. YouLend, 365 Finance, iwoca, Capify, and Funding Circle all assess businesses using their own models. The best provider for your business depends on your sector, turnover, trading history, and what you need the funding for. That's why we compare across the panel, so you get the right match, not just the first option.
Which provider suits your business?
You sell online via Shopify, Amazon, or eBay
YouLend integrates directly with these platforms, making it a natural fit. Their rates are competitive for high-volume e-commerce.
You run a restaurant, pub, or retail shop
365 Finance specialises in hospitality and retail businesses with card terminals. They offer competitive rates for this sector and typically approve within 24-48 hours.
You want flexible repayment terms
iwoca offers revolving credit and flexible loan products. You can repay early without penalties and only pay for what you use.
You need a larger amount (£50K+)
Funding Circle and Fleximize specialise in larger term loans with competitive fixed rates. Both offer personalised service for established businesses.
You want the quickest possible funding
YouLend, Capify, and 365 Finance all typically approve within 24-48 hours. If speed is your priority, these are strong options.
You're not sure which is best
Apply through CapExpand. We submit your details to the lenders most likely to approve your application and let you compare the offers. It's free and takes 2 minutes.
Frequently asked questions
What other providers can I compare alongside YouLend?▼
365 Finance, iwoca, Capify, Funding Circle, and Fleximize all sit alongside YouLend on our panel. Each has different strengths: 365 Finance specialises in hospitality, iwoca in flexible repayments, Capify in fast approvals, Funding Circle in larger term loans, and Fleximize in flexible, custom terms.
Is YouLend a good provider?▼
Yes. YouLend is one of the UK's leading business funding providers with a strong Trustpilot rating. They work with all types of UK businesses and are often one of the cheapest options on the market. They also integrate well with platforms like Shopify and Amazon for e-commerce sellers. That said, every lender has a different model. Comparing ensures you find the best fit.
How do factor rates differ between providers?▼
Factor rates vary because each lender's model assesses risk differently, much like car insurance quotes vary for the same driver. YouLend, 365 Finance, iwoca, and Capify all offer competitive rates. The best rate for your business depends on your turnover, sector, and trading history.
What if YouLend's model doesn't suit my business?▼
That's completely normal. Each lender has a different risk model and specialisation. A business that doesn't fit one provider's model often fits another's perfectly. Apply once through CapExpand and we submit to the lenders most likely to suit your profile.
Does comparing lenders affect my credit score?▼
Comparing through CapExpand doesn't affect your credit score. We use a soft search to match you with lenders. Some lenders may run a full credit check later if you choose to proceed with an application, but that only happens with your consent.
Why compare through CapExpand instead of applying directly?▼
We save you time by submitting one application to multiple lenders, including YouLend and all the providers on this page. You get competing offers and can choose the best deal. Our service is free: we're paid by the lender, not by you.
Real customers. Real reviews.
Verified on Trustpilot
“They compared 3 options and explained costs clearly. No surprises.”
“Everything managed super quickly and without much effort on my part. Just what you need when running a business. Would defo use again.”
One application. Multiple lenders.
Stop comparing manually. Apply once through CapExpand and we find the best offer from our panel of UK lenders.