Europe’s Financial Evolution: The Rise of Embedded Lending

With more than two-thirds of European small businesses impacted by tighter borrowing conditions, and a concerning 8.4% surge in EU bankruptcies in 2023, SMEs and digital platforms are looking for a lifeline.

Embedded lending offers this hope.

‍Embedded lending, seamlessly integrated into digital businesses such as e-commerce and payment platforms, allows SME customers to take out fast, flexible and affordable working capital directly within their selling platform's ecosystem.‍

‍The transformative potential of embedded lending is supported by successful use cases from all across Europe - from POS platforms in Germany, to food-delivery platforms in Spain. YouLend partners have experienced an impressive 30% growth in their merchant base since adopting these financing solutions, with YouLend-backed SMEs experiencing, on average, a 26% surge in sales in the six months following funding.

Read YouLend's latest whitepaper to delve deeper into these trends and explore case studies of how embedded lending has transformed the European business landscape for SMEs and platforms alike.