Independent Comparison — Updated 2026

YouLend vs 365 Finance

Both YouLend and 365 Finance offer revenue-based business funding — but which one is right for your business? We compare fees, funding amounts, eligibility, and repayment terms side by side.

Head-to-Head Comparison

How YouLend and 365 Finance stack up across the features that matter most to UK businesses.

Feature	YouLend	365 Finance
Funding Type	Revenue-based finance	Revenue-based finance
Funding Amount	£1,000 – £1,000,000+	£5,000 – £500,000
Repayment Model	% of daily card sales	% of daily card sales
Time to Funding	24–48 hours	24–48 hours
Fixed Fee (No Interest)	Yes — single fixed fee	Yes — single fixed fee
Credit Check Required	Soft check only	Soft check only
Minimum Monthly Turnover	£2,500/month card sales	£5,000/month card sales
Early Repayment Penalty	None	None
Integrations	Dojo, Worldpay, Zettle, SumUp, Stripe & more	Most UK card processors
FCA Regulated	Yes	Yes
Business Age Requirement	3+ months trading	6+ months trading
Renewal Offers	Automatic — often within days of repaying	Available after 50% repaid

Information based on publicly available data. Last updated April 2026.

Our Verdict

Choose YouLend if…

You're a smaller business with card sales from £2,500/month
You want access to funding from as little as £1,000
You use Dojo, SumUp, Zettle, or Stripe and want seamless integration
You've only been trading for 3+ months

Choose 365 Finance if…

You process £5,000+ per month in card sales
You want a larger advance (up to £500,000)
You've been trading for 6+ months and have established card sales history
You want the option to renew after repaying 50%

The Bottom Line

Both providers offer a flexible, fair alternative to traditional business loans. The right choice depends on your card sales volume, how long you've been trading, and how much funding you need. If you're unsure, we can match you with the best option — get a free, no-obligation quote below.

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Frequently Asked Questions

Is YouLend or 365 Finance better for small businesses?

YouLend is generally better suited for smaller businesses because it has a lower minimum turnover requirement (£2,500/month vs £5,000/month) and offers funding from as little as £1,000. 365 Finance is a strong option for businesses processing higher card volumes who want larger advances.

How do YouLend and 365 Finance repayments work?

Both use revenue-based repayment — a small percentage of your daily card sales is automatically deducted to repay the advance. On quiet days you pay less, on busy days you pay more. There are no fixed monthly repayments or interest charges — just a single agreed fee.

Can I use YouLend or 365 Finance with any card machine?

YouLend integrates directly with most major card processors including Dojo, Worldpay, Zettle, SumUp, and Stripe. 365 Finance also works with most UK card processors. Check with each provider to confirm compatibility with your specific terminal.

Will applying for YouLend or 365 Finance affect my credit score?

Neither provider runs a hard credit check. Both use soft credit checks during the application process, which won't appear on your credit file or affect your credit score.

How quickly can I get funding from YouLend or 365 Finance?

Both providers can approve and fund your business within 24–48 hours of a completed application. YouLend's automated system sometimes delivers same-day decisions for businesses already using an integrated card processor.

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