YouLend vs 365 Finance: Which MCA Provider is Better?
Independent comparison of the UK's top 2 merchant cash advance providers. Both excellent - which suits YOUR business better?
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| Feature | YouLend | 365 Finance |
|---|---|---|
| Funding Amount | £3k - £500k | £5k - £500k |
| Decision Time | 24 hours | 24 hours |
| Funding Speed | 24-48 hours | 24-48 hours |
| Factor Rates | 1.10 - 1.25 | 1.12 - 1.25 |
| Best For | E-commerce, Online | Retail, Hospitality |
| Integrations | Shopify, Amazon, eBay | Limited e-commerce |
| Trustpilot Rating | 4.5/5 (Excellent) | 4.3/5 (Great) |
| Minimum Trading | 3 months | 6 months |
Which is better: YouLend or 365 Finance?▼
Both are excellent MCA providers. YouLend is better for e-commerce and online businesses (integrates with Shopify, Amazon). 365 Finance is better for traditional retail and hospitality with physical card machines. Approval rates and speeds are similar (both 24-48 hours).
What are the main differences in fees?▼
Factor rates are similar (1.12-1.25 typical for both). YouLend tends to offer slightly lower rates for high-volume e-commerce (1.10-1.15). 365 Finance competitive for hospitality. Both negotiate based on your business profile.
Which has faster funding?▼
Both offer 24-48 hour funding after approval. In practice, they're equally fast. Decision times also identical (24 hours typical). Speed depends more on how quickly you provide documents than which provider you choose.
Can I apply to both?▼
Yes - and we recommend it. Apply once through us, we submit to multiple providers including YouLend and 365 Finance. You get competing offers and choose the best rate. No extra work for you.
Which has better customer service?▼
Both have dedicated account managers. YouLend has slightly higher Trustpilot rating (4.5/5 vs 4.3/5). 365 Finance has more UK-based support staff. Quality is comparable - both well-regarded.
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