YouLend has teamed up with Intuit to introduce working capital solutions for QuickBooks business customers in the UK via a new Capital Marketplace.

This collaboration has led to YouLend being chosen as a launch partner for Intuit’s Capital Marketplace, which facilitates connections between QuickBooks users and financial providers. This partnership aims to help small and medium-sized enterprises (SMEs) gain access to working capital through their accounting software, leveraging existing business data without the need for separate lender applications.

Responding to SME financing challenges

The partnership addresses major funding obstacles faced by UK small businesses. According to Intuit’s research, 40% of British entrepreneurs cite access to capital as a hindrance to growth. Furthermore, many rely on personal savings (71%) and are concerned about rising borrowing costs (18%). Micro-businesses often encounter additional hurdles; they are 40% to 70% more likely to abandon lending applications due to the lengthiness of traditional application processes. To tackle these issues, YouLend’s solution is designed to provide funding decisions within 24 hours, with flexible repayment terms tied to future sales, helping to manage cash flow and seasonal demand.

A minimum trading history of three months is required for eligibility, placing this offering among the broader access models in Embedded Finance. Funding ranges from GBP 1,000 to GBP 2 million, and eligibility is based on data already stored within QuickBooks.

From pilot to nationwide launch

Following a successful pilot run in 2025, the program has expanded to cover the entire UK. During the pilot phase, QuickBooks customers from diverse industries used this financing to fuel growth and address operational needs. The Embedded Finance model intends to streamline the application process by integrating capital access directly into the software platforms businesses already utilize. Customers can receive pre-qualification alerts and customized offers within QuickBooks without impacting their credit scores.

Both companies plan to keep a close eye on evolving market demands, preferences, and regulatory requirements while ensuring compliance with industry laws.