Who are the best embedded lending providers in the UK?
The best embedded lending provider for your platform depends on your user base, integration needs and revenue goals. For most UK platforms serving a mixed SME audience, a multi-lender broker like Fundably delivers higher approval rates and revenue than single-lender providers like YouLend or Liberis.
This guide compares the main options across lender panel breadth, commercial terms, white-label capability and integration flexibility.
Providers at a glance
Fundably
Fundably is a multi-lender commercial finance broker offering three integration methods: REST API, pre-built Web Component and iFrame embed. Partners access a 50+ lender panel covering all major SME lending product types.
- Revenue share: up to 30% per funded deal
- Setup fees: none
- Monthly fees: none
- Integration options: REST API, Web Component, iFrame
- White-label: full white-label on REST API and Web Component (iFrame retains Fundably branding)
- Lender panel: 50+ across all SME lending products including iwoca, Funding Circle, Nucleus Commercial Finance, Outfund, Uncapped, Triver and YouLend
- Regulatory: NACFB member commercial finance broker
- Best for: platforms wanting multi-lender breadth and maximum revenue share
YouLend
YouLend is a single lender offering white-label merchant cash advances (MCAs) to platforms. They provide their own balance-sheet funding, and revenue is linked to card and transaction volume, so their product is best suited to payment-taking merchants.
- Product: merchant cash advance only
- Revenue share: not publicly disclosed
- Integration: white-label API
- White-label: yes
- Best for: payment platforms and marketplaces with card-taking merchants
Liberis
Similar to YouLend, Liberis is a single lender offering white-label revenue-based finance. Liberis works with partners like Lloyds, Barclaycard and Amazon in the UK.
- Product: revenue-based finance (linked to card/revenue data)
- Revenue share: not publicly disclosed; typically revenue-based
- Integration: white-label API, typically with data integration
- White-label: yes
- Best for: established platforms with significant revenue data
Capitalise
Capitalise is a multi-lender commercial finance broker that targets accountants primarily, with platform integrations as a secondary channel. Capitalise operates a tiered subscription model where accountancy firms pay a monthly fee for access to the platform, which then nets out of commission earned.
- Revenue share: variable; offset against subscription fees
- Subscription fees: tiered monthly fees apply
- Integration: branded portal and API for partners
- White-label: yes (subject to plan)
- Lender panel: 100+
- Best for: accountancy firms wanting a deep advisory toolkit alongside lending
Swoop
Swoop is a funding aggregator covering grants, equity, debt and savings. For platforms whose users want broad funding discovery rather than a focused lending journey, Swoop offers a wide product surface, with a referral and partner programme.
- Revenue share: referral commissions, varies by product
- Integration: branded portal and referral links
- White-label: limited
- Lender panel: aggregator across 1,000+ providers and grant schemes
- Best for: platforms wanting grant and equity coverage in addition to lending
Multi-lender vs single-lender at a glance
The single biggest decision is multi-lender (Fundably, Capitalise, Swoop) versus single-lender (YouLend, Liberis). The structural difference matters more than any feature-by-feature comparison.
| Feature | Multi-lender (Fundably) | Single-lender |
|---|---|---|
| Lender options | 50+ independent lenders | 1 lender |
| Approval rate | High: cascades to next lender if declined | Binary pass/fail |
| Product range | Term loans, RBF, invoice, MCA, credit lines, cards | Usually 1–2 products |
| Lending licence | Not required (commercial finance broker model) | Required or restricted use |
| Setup time | Live in days | Weeks to months |
| Revenue model | Up to 30% commission | 0–15% revenue share |
| Customer experience | Seamless, stays in your platform | Redirect to lender |
| Integration options | REST API, Web Component, iFrame | Fixed format |
Provider feature matrix
For platforms that have decided multi-lender is the right model, here is how the four broker-type options compare on commercial terms and integration.
| Feature | Fundably | Capitalise | Swoop | YouLend / Liberis |
|---|---|---|---|---|
| Model | Multi-lender broker | Multi-lender broker | Funding aggregator | Single lender |
| Lender panel | 50+ | 100+ | 1,000+ providers and grants | 1 (itself) |
| Product types | 8+ | 8+ | Debt, grants, equity, savings | MCA / RBF only |
| Revenue share | Up to 30% | Variable (offsets sub fee) | Variable referral | Not public |
| Setup fees | £0 | Not public | £0 | Not public |
| Monthly fees | £0 | Tiered subscription | £0 | Not public |
| iFrame embed | ✓ | Limited | ✗ | ✗ |
| Web Component | ✓ | ✗ | ✗ | ✗ |
| REST API | ✓ | ✓ | Limited | ✓ |
| Full white-label | ✓ | Plan-dependent | Limited | ✓ |
| Go-live time | <48hrs | Weeks | Weeks | Weeks |
Which provider should I choose?
If your users are primarily card-taking merchants (ecommerce, hospitality, retail), YouLend or Liberis may be appropriate, as their product is well-matched to payment-based revenue data.
If your users include a mix of business types (B2B services, consultancies, early-stage businesses or businesses without consistent card revenue), a single MCA lender will decline a large proportion of your users. A multi-lender broker (Fundably or Capitalise) delivers substantially higher approval rates across the full mix.
If your users want grants and equity alongside lending, Swoop’s aggregator surface covers a broader funding universe, although depth on any single lending product is shallower.
If you want the highest revenue share, no subscription fees and the fastest time to go live, Fundably offers up to 30% commission, zero fees and iFrame integration that can be live in under 48 hours. For a head-to-head with the closest multi-lender competitors, see Capitalise vs Fundably vs Swoop.
For a detailed breakdown of how multi-lender matching compares to single-lender embedding, see multi-lender vs single-lender embedded lending. For integration specifics, see how to embed lending in your platform.
Frequently asked questions
Who is the best embedded lending provider for a B2B SaaS platform?
For a mixed B2B user base, a multi-lender broker is usually the strongest fit because it matches each user across many lenders and returns higher approval rates than a single-lender integration. Fundably offers up to 30% revenue share, zero fees and an iFrame, Web Component or REST API that can go live in under 48 hours.What is the difference between a single-lender and a multi-lender embedded provider?
A single-lender provider (such as YouLend or Liberis for merchant cash advances) funds from one balance sheet, which suits card-taking merchants but declines a large share of mixed users. A multi-lender broker (such as Fundably or Capitalise) matches each user across 50+ lenders including iwoca, Funding Circle and Triver, lifting approval rates across the full user mix.How quickly can a platform go live with embedded lending?
Timelines depend on the integration method. An iFrame or hosted embed can be live in under 48 hours with no engineering work, while a deeper REST API or Web Component integration takes longer but gives more control over the user experience. Fundably supports all three.Do embedded lending providers charge platforms a fee?
It varies. Some providers charge setup or monthly platform fees, while broker-model partners like Fundably charge platforms £0 and instead pay the platform a revenue share of up to 30% on each funded deal. Always confirm setup costs, subscription fees and revenue share before integrating.Book a technical demo with the Fundably platform team to discuss your specific configuration.