YouLend vs Parafin: Features, Coverage and Pricing Compared (2026)

Key Features Compared

YouLend vs Parafin at a Glance, November 2026

Feature	YouLend	Parafin
Ratings
Fintech Index score	76 / 100Higher score	74 / 100
Overview
What it is	London, England, embedded finance company that funds small merchants through platforms such as eBay and Shopify, repaid from future sales	Parafin partners with platforms to offer financing to the small businesses that use them, under the platform's own brand, with AI deciding who qualifies
Who uses it	Payment companies, marketplaces, and platforms, including eBay, Shopify, Amazon, Etsy, Upwork, and Qonto	Platforms such as Amazon, DoorDash, Walmart, TikTok Shop, and Gusto
Main products	Revenue-based cash advances and loans offered inside partner platforms	White-label merchant cash advances, loans, pay-over-time credit, and a Spend Card
Where it operates	10 markets	United States
Products and features
Facility type	Revenue-based cash advances and loans inside partners such as eBay, Shopify, and Amazon	White-label advances, loans, and pay-over-time credit under the partner's brand
Repayment	Share of sales	Share of future receivables on cash advances
Pricing
How pricing works	Total cost fixed up front; not published	Platforms share fees; revenue share not published
Published prices	Offers through partners	Not published
Technology and compliance
Regulation and licensing	Handles underwriting, funding, and servicing for partners	Celtic Bank issues loans and lines; Column N.A. is creditor on the Spend Card
App and platform	APIs for funding in the partner's own branding	API documentation behind an access code
Integrations and partners	eBay, Shopify, Amazon, Etsy, Upwork, Qonto, and Planet	Amazon, DoorDash, Walmart, TikTok Shop, and Gusto
Onboarding and support	Decisions in minutes or hours; funds typically in 24 to 48 hours	Parafin handles underwriting and servicing; platforms bear no risk
Company
Founded	2016	2020
Headquarters	London, England	San Francisco, California
Ownership	Private	Private (venture-backed)
Funding	~$5.4B of lending capacity from J.P. Morgan and Castlelake, plus up to $225M from Värde Partners	Raised $100M in its 2024 Series C, from Notable Capital, Redpoint, Ribbit and others
Key leader	Mikkel Velin	Sahill Poddar
Scale	Revenue of $230M and profit of $12M in its 2024/25 financial year; more than 400,000 businesses funded	More than 50,000 businesses funded and offers of over $35B by June 2026

Fintech Index Scores Compared

We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. YouLend scores 76 and Parafin scores 74.

Criterion Scores Out of 100

Key Differences Between YouLend and Parafin

Markets

YouLend works in 10 markets. Parafin focuses on the US.

Products

Parafin offers cash advances, loans, pay-over-time credit, and a Spend Card. YouLend offers revenue-based advances and loans.

Scale

YouLend has funded more than 400,000 businesses. Parafin has funded more than 50,000, with offers of over $35B.

Pros and Cons

Who Each Is Best For

Alternatives to YouLend and Parafin

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Frequently Asked Questions