YouLend Fees & Hidden Costs UK 2025
Complete YouLend fee breakdown: Factor rate only (1.10-1.35x), no application fees, no setup costs, no hidden charges. Real examples showing exact costs.
YouLend Fee Structure
Application Fee:£0
Setup Fee:£0
Monthly Fee:£0
Early Repayment Fee:£0
Total Cost:Factor Rate Only (1.10-1.35x)
What You Actually Pay
Only one fee: The factor rate. Everything else is £0.
Real Cost Examples
- £10k at 1.20x: Repay £12,000 (£2,000 cost / 20%)
- £30k at 1.25x: Repay £37,500 (£7,500 cost / 25%)
- £50k at 1.30x: Repay £65,000 (£15,000 cost / 30%)
- £100k at 1.15x: Repay £115,000 (£15,000 cost / 15%)
Are There Hidden Costs?
No. YouLend is transparent. The factor rate IS the total cost. No surprises.
However, watch for:
- Daily cash flow impact: 15% of sales = less working capital
- Opportunity cost: That £12.5k cost on £50k could be £4.5k with traditional loan
- Longer term than expected: Slow sales = slower repayment = cost feels higher
YouLend vs Competitors: Fee Comparison
| Provider | £30k Cost | Hidden Fees? |
|---|---|---|
| iwoca | £4,500 (1.15x) | None |
| YouLend | £7,500 (1.25x) | None |
| 365 Finance | £8,400 (1.28x) | None |
| Capify | £10,500 (1.35x) | None |
All major MCA providers are transparent - no hidden fees. The difference is the factor rate itself.
Conclusion
YouLend fees are simple: Factor rate only. No application fees, no hidden costs. However, factor rates of 1.10-1.35x translate to 10-35% total cost, which is high compared to traditional loans (6-12% APR).
You pay for speed and flexibility, not hidden fees. YouLend is transparent about cost - unlike some dodgy lenders with surprise fees.