The embedded lending landscape for UK platforms
If you are building a fintech, SaaS, or marketplace product targeting UK SMEs, you have a meaningful choice of embedded lending partners. The landscape has expanded significantly in the last few years — but the differences between providers are substantial.
This guide compares the main options. Our recommendation is based on lender panel breadth, commercial terms, white-label capability, and integration flexibility.
Providers at a glance
Fundably
Fundably is a multi-lender credit broker offering three integration methods: REST API, pre-built React component, and iFrame embed. Partners access a 50+ lender panel covering all major SME lending product types.
- Revenue share: up to 30% per funded deal
- Setup fees: none
- Monthly fees: none
- Integration options: REST API, React component, iFrame
- White-label: full white-label included as standard
- Lender panel: 50+ across all SME lending products
- FCA: authorised, NACFB member, ICO registered
- Best for: platforms wanting multi-lender breadth and maximum revenue share
YouLend
YouLend is a single lender offering white-label merchant cash advances (MCAs) to platforms. They provide their own balance-sheet funding — revenue is linked to card and transaction volume, so their product is best suited to payment-taking merchants.
- Product: merchant cash advance only
- Revenue share: typically 10%–15% of MCA amount
- Integration: white-label API
- White-label: yes
- Best for: payment platforms and marketplaces with card-taking merchants
Liberis
Similar to YouLend — a single lender offering white-label revenue-based finance. Liberis works with partners like Lloyds, Barclaycard, and Amazon in the UK.
- Product: revenue-based finance (linked to card/revenue data)
- Revenue share: not publicly disclosed; typically revenue-based
- Integration: white-label API, typically with data integration
- White-label: yes
- Best for: established platforms with significant revenue data
iwoca
iwoca is a direct lender offering business credit lines and term loans. They offer an open API (OpenLending) for data-sharing partnerships but are primarily a lender rather than an embedded broker.
- Product: credit lines and term loans
- Integration: OpenLending API for data sharing; apply via redirect
- White-label: limited
- Best for: accounting and bookkeeping software looking for a lending data partner
Capify
Capify offers merchant cash advances and short-term business loans. They have a broker/affiliate channel but limited embedded platform capability.
- Revenue share: available via affiliate programme
- Best for: affiliate and referral introductions; not primarily an embedded platform provider
Side-by-side comparison
| Feature | Fundably | YouLend | Liberis | iwoca |
|---|---|---|---|---|
| Lender panel | 50+ | 1 (itself) | 1 (itself) | 1 (itself) |
| Product types | 8+ | MCA only | RBF only | Credit line / term |
| Revenue share | Up to 30% | ~10–15% | Not public | Not public |
| Setup fees | £0 | Not public | Not public | £0 |
| Monthly fees | £0 | Not public | Not public | £0 |
| iFrame embed | ✓ | ✗ | ✗ | ✗ |
| React component | ✓ | ✗ | ✗ | ✗ |
| REST API | ✓ | ✓ | ✓ | ✓ |
| Full white-label | ✓ | ✓ | ✓ | Limited |
| Multi-lender matching | ✓ | ✗ | ✗ | ✗ |
| Go-live time | <48hrs | Weeks | Weeks | Weeks |
Which provider should I choose?
If your users are primarily card-taking merchants (ecommerce, hospitality, retail), YouLend or Liberis may be appropriate — their product is well-matched to payment-based revenue data.
If your users include a mix of business types — B2B services, consultancies, early-stage businesses, or businesses without consistent card revenue — a single MCA lender will decline a large proportion of your users. Fundably’s multi-lender panel means substantially higher approval rates across the full mix.
If you want the highest revenue share and fastest time to go live, Fundably offers up to 30% commission, zero fees, and iFrame integration that can be live in under 48 hours.
Book a technical demo with the Fundably platform team to discuss your specific configuration.