YouLend Brings Embedded Capital to QuickBooks UK Customers via Intuit Capital Marketplace
YouLend, the global embedded financing platform, has partnered with Intuit to make working capital available to QuickBooks business customers across the UK, expanding access to quick, data-driven SME funding directly within accounting software workflows.
Under the collaboration, YouLend has been selected as a launch partner for Intuit UK’s newly introduced Capital Marketplace, a partner ecosystem designed to connect QuickBooks customers with financing options including working capital, lines of credit, and alternative funding products.
The national rollout follows a successful 2025 pilot programme and positions embedded finance as a core part of Intuit’s UK small business proposition, with YouLend providing capital offers inside the QuickBooks experience.
Embedded SME Financing Moves Into QuickBooks UK Workflow
The partnership centres on funding through platforms they already use, such as accounting, payments, ecommerce or business software. Rather than requiring businesses to approach a separate lender, embedded capital products use existing platform data to speed up decisioning and reduce application friction.
For QuickBooks customers, the funding offer is presented directly within Intuit’s platform, enabling businesses to check eligibility and access working capital without the traditional hurdles of lengthy forms, repeated document submissions, or extended underwriting timelines.
YouLend said funding decisions are typically delivered within 24 hours, with repayments structured flexibly and linked to future sales — a model designed to support cash flow, particularly for seasonal businesses.
Takeaway
Funding Barriers Remain a Growth Constraint for UK Entrepreneurs
Intuit cited new research suggesting that remains a major growth barrier for UK entrepreneurs. According to the research, 40% of UK entrepreneurs say access to capital limits their ability to grow.
The findings also point to a continued reliance on personal resources to fund business operations, with 71% using personal savings, while 18% expressed concerns around rising borrowing costs.
Micro-businesses appear to face the sharpest friction. Intuit noted that micro-businesses are 40% to 70% more likely to abandon lending applications due to lengthy and complex traditional processes — a gap the Capital Marketplace is designed to address through embedded funding routes.
Takeaway
National Rollout Builds on 2025 Pilot With ÂŁ1,000 to ÂŁ2m Funding Range
The new embedded capital answer follows a pilot programme conducted in 2025. During the pilot, QuickBooks business customers could access funding ranging from ÂŁ1,000 up to ÂŁ2 million, supporting SMEs across multiple sectors.
QuickBooks customer Nick Bowes, owner of Bowes Logistics Training Ltd, said the application process was “simple and straightforward,” adding that the funding assisted the business purchase additional equipment and scale more rapidly.
The programme is also positioned as accessible, with eligibility begining from just three months of trading — a structure intended to broaden reach for younger SMEs and ahead-stage that may struggle to secure traditional credit.
Dan Sinclair-Taylor, Strategic Partnerships Lead at YouLend, said embedding capital into QuickBooks enables businesses to check eligibility and access funding with reduced friction. Leigh Thomas, Vice President of EMEA at Intuit, added that embedding the Capital Marketplace into the Intuit platform offers quicker funding “without impacting credit scores,” supported by pre-qualification alerts and personalised offers.
