Didn't get approved by YouLend? You still have options.
Every lender uses a different model to assess businesses, just like car insurance companies quote different prices for the same driver. YouLend is a great provider, but their model isn't designed to fit every business. We work with 5+ established UK lenders, each with their own specialisms. One application through us, and we find the one that fits.
Free service · No credit impact · Decisions in 24-48 hours
Why different lenders give different answers
Business funding works a lot like car insurance. Two insurers can look at the same driver and quote completely different prices, not because one is wrong, but because each uses a different model, weighs different factors, and specialises in different risk profiles.
Business lenders are exactly the same. Each provider on our panel has its own underwriting model, sector expertise, and appetite. A business that doesn't fit one lender's model may be the ideal customer for another. That's why comparing across multiple lenders matters, and that's what we do.
Common reasons a lender's model may not match your business
Turnover volume
Each lender sets its own minimum card turnover threshold. A business doing £1,000/month in card sales may not fit one model but fits another perfectly.
Length of trading history
Some models require 3 months of data, others require 6 or 12. Newer businesses naturally suit lenders whose models are designed for earlier-stage companies.
Sector specialisation
Lenders build expertise in certain industries. A provider focused on hospitality will assess a restaurant differently from one focused on e-commerce. It's about specialism, not quality.
Existing funding in place
If you already have an advance being repaid, some providers' models won't extend a second facility. Others are set up to offer top-ups or second-position funding.
Data integration
Some lenders integrate directly with payment platforms like Shopify or SumUp. If your data isn't available through their specific integrations, they simply can't run their assessment.
Other providers on our panel
Each lender below uses a different underwriting model. One of them may be a better fit for your business profile.
| Lender | Funding Range | Min Turnover | Speed | Personal Guarantee | Trustpilot |
|---|---|---|---|---|---|
| 365 Finance | £10K – £400K | £10K/mo | 24-48 hours | Required | 4.8/5 |
| iwoca | £1K – £1M | £2K/mo | 24 hours | Required | 4.8/5 |
| Capify | £5K – £500K | £5K/mo | 24-48 hours | Required | 4.1/5 |
| Funding Circle | £10K – £500K | £5K/mo | 24-48 hours | Required | 4.6/5 |
| Fleximize | £5K – £500K | £5K/mo | 24 hours | Required | 4.9/5 |
How it works
Tell us about your business
Takes about 2 minutes. We ask about your turnover, sector, and how much you need.
We match you to lenders
We submit your details to the providers on our panel whose models are most likely to suit your profile.
Compare and choose
You receive offers to compare. Pick the one that works best, or walk away with no obligation.
Frequently asked questions
Why wasn't my application successful with YouLend?▼
Every lender uses its own underwriting model, much like car insurers use different scoring systems for the same driver. YouLend's model weighs factors like card turnover volume, trading history length, and sector. If your profile didn't match their specific model, it doesn't mean you're not fundable; it just means a different lender's model may be a better fit.
Can I still get funding through another provider?▼
Absolutely. Because each lender has a different risk model and specialisation, a business that doesn't fit one provider's criteria often fits another's perfectly. We work with YouLend, 365 Finance, iwoca, Capify, Funding Circle and others, all with different strengths.
Will applying to another lender affect my credit score?▼
Most merchant cash advance providers use soft credit checks for initial assessment, which don't appear on your credit file. We always confirm which type of check a lender uses before submitting your application.
How quickly can I get funded through another provider?▼
Most lenders on our panel offer decisions within 24-48 hours. Funds typically land in your account 1-3 working days after acceptance.
Does CapExpand charge for this service?▼
No. Our service is completely free for businesses. We're paid by the lender on successful introductions. There's no obligation: if the options don't suit you, you don't have to proceed.
Can I apply to YouLend again in the future?▼
Yes. YouLend welcomes reapplications, especially if your circumstances have changed, for example higher turnover or a longer trading history. In the meantime, another lender on our panel may be a great fit right now.
Real customers. Real reviews.
Verified on Trustpilot
“The bank turned us down after 6 weeks. CapExpand got us approved in 3 days.”
“Alex was extremely helpful from the start of the application to completion. The funding came through just as it was most needed.”
One application. Multiple lenders.
We introduce your business to lenders that may be a better fit. Free service, no credit impact, decisions in 24-48 hours.