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London, [08/01/26] – YouLend, the global embedded financing platform, published its financial results for 2025 this month, marking another year of sustainable growth. YouLend has now funded more than 370,000 businesses worldwide.
Since 2022, YouLend has grown revenue at an average annual rate of around 60%, reaching $230 million in FY24/25. Profit increased year on year to $12 million, underscoring the strength of YouLend’s scalable, highly automated operating model. Credit losses remained stable as the business grew, supported by disciplined investment in data, technology, and credit risk decisioning. This reinforces the resilience of YouLend’s unit economics as the company continues to scale.
This year, YouLend continued to execute on its core thesis that small businesses access financial services through the software they use to run their day-to-day operations. Growth was driven by both the expansion of existing partnerships and the launch of new relationships across the UK, Europe, and the US.
For example, long-standing partners such as eBay expanded their embedded capital offering into Germany, while new partners, including neobank Qonto, payments provider myPOS, and freelance marketplace Upwork, launched financing for their users through YouLend. These partnerships reflect a consistent approach to building sustainable capital programs that serve businesses at scale.
To support continued European expansion, YouLend officially opened a new office in Berlin in January 2026, strengthening local coverage and partner support across key markets.
“Reaching 370,000 funded businesses highlights both the scale of our platform and the financial discipline behind it,” said Anders Torpe Christoffersen, Chief Financial Officer at YouLend. “We have built a profitable, highly automated model with stable credit performance, designed to support partners and merchants sustainably through market cycles. In more volatile conditions, that discipline matters even more.”
Recognition for Performance, Innovation and Culture
In 2025, YouLend’s growth and culture received broad external recognition. The company was named one of CNBC’s World’s Top Fintech Companies for the second consecutive year and was included in Growth Index’s list of the UK’s 100 fastest-growing companies.
YouLend was also recognised by The Sunday Times as one of the Best Places to Work 2025 for the second year running, highlighting its supportive culture, focus on diversity and inclusion, employee benefits, and development opportunities.
2026: Scaling with Confidence
“As YouLend enters 2026, our focus is on helping more businesses access the right capital at the right time through products that are proven, reliable, and easy to use,” said Jakob Pethick, Chief Commercial Officer at YouLend. “By expanding multi-product capital across more markets in Europe and the Americas, and continuing to invest in our people, data, technology, and risk capabilities, we’re enabling our partners and their customers to grow with confidence.”
“We’ve built strong foundations that allow us to deliver consistently for our customers,” Pethick added. “With trusted partners and scalable infrastructure in place, we’re excited to extend our impact and support business growth at scale.”
About YouLend
YouLend is the global embedded financing platform for e-commerce, payment and technology platforms, working with partners such as Amazon, eBay, Shopify, Etsy, SumUp, Tide and Dojo.
Partners tap into YouLend’s infrastructure to offer their merchants fast, flexible and fair financing solutions – fully digital and seamlessly integrated. YouLend operates in more than ten countries and has funded 370,000 businesses to date.
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