YouLend announces a multi-year forward-flow partnership with Värde Partners to expand its funding capacity and support small businesses across the United States.

ATLANTA – YouLend, the leading global embedded financing platform for e-commerce, payment and technology platforms, today announces a multi-year financing partnership with Värde Partners, a global investment firm, to further expand its capital base in the United States. The financing is structured as a forward-flow agreement with potential for Värde to purchase up to $225 million in receivables originated by YouLend.

Founded in 2016, YouLend provides flexible capital to small and medium-sized businesses (SMBs) through partnerships with leading platforms, allowing merchants to access funding seamlessly within the tools they already use to run their businesses. The new facility from Värde Partners will fund YouLend’s originations in the U.S., further allowing YouLend to support the SMBs who, since the late 1990’s, have accounted for between 43.5% and 50.7% of the U.S. gross domestic product (GDP)[1] and have historically made up 62.7% of the total net job creation in the U.S.[2]

The partnership comes as global enterprise demand for embedded lending infrastructure accelerates, with platforms seeking to integrate financing directly into their merchant experience. To date, YouLend has provided funding to more than 370,000 businesses globally, responding to strong growth across its core markets. YouLend has recently expanded into a larger U.S. headquarters in Atlanta to support its growing American team and in January 2026 opened a Berlin office to further expand its footprint across the European Union.

“Securing this facility is a significant step in scaling our U.S. platform,” said Gaurav Maheshwari, Head of Capital Markets, at YouLend. “Värde’s deep experience in U.S. asset-backed credit and speciality finance makes them a strong partner as we continue to invest in our U.S. capabilities and meet growing merchant demand in this core market.”

Nikhil Gupta, Managing Director at Värde Partners, added: “Värde is pleased to support YouLend’s efforts to expand its capital base in the U.S., and we look forward to fostering a long-term partnership as YouLend continues to scale its footprint globally. This was an attractive partnership for us, particularly as YouLend operates in a market we know well, having ourselves financed numerous fintech payment processing platforms over the years.”

The agreement underscores YouLend’s continued investment in the U.S. market. By deepening its funding capacity and operational infrastructure, the company is well-positioned to scale partner relationships and extend financing to a broader base of American small businesses.

About YouLend
YouLend is the global embedded financing platform for e-commerce, payment and technology platforms, working with partners such as Amazon, eBay, Shopify, Etsy, Worldline and Upwork.

Partners tap into YouLend’s infrastructure to offer their merchants fast, flexible and fair financing solutions – fully digital and seamlessly integrated. YouLend operates in more than ten countries and has provided over 370,000 financings to date.

About Värde Partners

Värde Partners is a leading global investment firm specializing in credit and credit-related assets. Founded in 1993, the firm has invested more than $110 billion across the credit quality and liquidity spectrum and currently manages $16 billion in assets. With local investment teams and partnerships in North America, Europe and Asia Pacific, Värde invests across private and public markets with a focus on real estate, asset-based finance and corporate credit. For more information, please visit www.varde.com.

[1] https://www.uschamber.com/small-business/small-business-data-center

[2] https://www.bls.gov/opub/ted/2025/small-businesses-continue-to-outpace-large-businesses-in-job-creation.htm