YouLend vs 365 Finance: which funder suits your business?
YouLend edges it on the numbers: factor rates from 1.10 against 1.12, advances from £3,000 against £5,000, three months' minimum trading against six, and a higher Trustpilot score (4.5/5 vs 4.3/5). 365 Finance remains the stronger fit for traditional retail and hospitality businesses taking payments on a physical card machine.
Rates and contract terms checked July 2026 · Based on providers' published pricing
YouLend
- Factor rate
- 1.10-1.25
- Funding
- £3k-£500k
- Min trading
- 3 months
365 Finance
- Factor rate
- 1.12-1.25
- Funding
- £5k-£500k
- Min trading
- 6 months
Head to head
How the two merchant cash advance providers compare on the terms that matter, based on their typical published figures.
| 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 |
The takeaway:both fund in 24-48 hours with a 24-hour decision, so speed won't separate them. YouLend takes more of the table: a lower factor-rate floor (1.10 vs 1.12), a lower minimum advance (£3,000 vs £5,000), half the minimum trading history and e-commerce integrations 365 Finance doesn't match.
Where each funder wins
Where YouLend wins
- Online businesses - integrates with Shopify, Amazon and eBay
- Lower rate floor - factor rates from 1.10, dipping to 1.10-1.15 for high-volume e-commerce
- Younger businesses - funds from 3 months' trading, and from £3,000
- Reviews - 4.5/5 on Trustpilot vs 4.3/5
Where 365 Finance wins
- Bricks-and-mortar focus - built for retail and hospitality with physical card machines
- Hospitality rates - competitive pricing for the sector
- UK-based support - more UK support staff, with dedicated account managers
- Same speed - 24-hour decisions and 24-48 hour funding, matching YouLend
How we calculated this
We take YouLend's and 365 Finance's published or typical advertised rates and apply them to example monthly card volumes. Total cost is worked out as transaction fees plus fixed monthly fees over 12 months. Rates change and individual pricing can often be negotiated, so treat these figures as a like-for-like guide rather than a quote. Always confirm current pricing with YouLend and 365 Finance before you commit.
Frequently asked questions
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.
The verdict
Choose YouLend if
- You sell online through Shopify, Amazon or eBay
- You have been trading between 3 and 6 months
- You need a smaller advance, from £3,000
- You want the lowest available factor rate
Choose 365 Finance if
- You run a retail or hospitality business
- You take most payments on a physical card machine
- You value UK-based support staff
- You have been trading 6 months or more
Want offers from both, with one application?
Apply once through us and we'll submit to multiple providers, including YouLend and 365 Finance. You get competing offers and choose the best rate. Free, no obligation.
See also our full guide to UK business funding, every option in one place.