business 365 finance

365 Business Finance Limited


365 Business Finance Limited365 Business Finance are our funding support partner in the UK. Having a professional relationship with this direct lender we can ensure you received fast business funding,.

As a leading unsecured business finance provider 365 Business Finance Limited offering MCA Cash advance product to small and medium sized companies across the United Kingdom.

As one of the leading direct lenders for anyone that take debit and credit card transactions at the point of sale. 365 specialises in flexible funding for SMEs in the UK.

Who are 365 Business Finance

365 business Finance Limited where Founded in 2012, the company is a provider of unsecured capital funding for small to medium businesses by Andrew Raphaely, the head office is based in London.

Working with PDQ Funding we support their finance products that are designed as a fast and flexible finance solution for businesses that accept card payments. You can expand operational requirements, renovate and improve your working premises, increase your stock or grow your staff compliment – we provide the finance for any requirements to take your business to the next level to free up cash flow.

One of their products that they offer is a business cash advance, these are an easy and secure way of raising between £5,000 to £200,000 to help your business grow. We offer a fully partnered service with businesses across the UK to provide funding facilities ranging from small merchants to multinational groups. Application’s are simple and only takes a few minutes to complete. You will be assigned a personal funding specialist who will be available for all your funding needs. Once approved you can have the funds in your account in a couple of days.

Repayments are flexible and based on your card sales, so you only repay when you make sales to your customers. There are no hidden extras APR’s or fees. Just one simple all-inclusive cost agreed up front.

Is 365 Business Finance a Broker

No 365 business finance are a direct lender for merchant cash advances in the United Kingdom. The work with brokers as well as accountants, ISO, or epos provider, the business has a large partner network and welcome all types of B2B companies that support SMEs.

Who do 365 Finance Fund?

365 provides lending facilities from up-to £200,000 to businesses registered in the U.K. The business must accept credit/debit cards and have been in business for over 6-months. Approval rates are at 90% of new applications.

Having partnered and funded countless UK businesses across various sectors. These include hospitality, restaurants, pubs and hotels, health and beauty businesses, garages, opticians, dentists and a number of other high street businesses. Funding from 365 works incredibly well for businesses that experience seasonality trends. The repayment amounts are dependent upon your business sales.

You can apply for an advance in minutes via our easy to use website form. Alternatively you can call us for a decision where one of our dedicated funding specialist will give you an approval in principle over the phone in minutes. As a direct lender we believe in offering clients a personal and unique experience. That is why 98% of customers renew their funding with them.

We understand the needs of every one of our clients ensuring we offer you the most comprehensive and tailored business loans product in the market. The flexible payment terms, dedicated funding specialist and swift registration process all contribute to our clients satisfaction. This ensures that they are able offer you the funding you need when you need it most.

365 Business Finance Reviews & Ratings

Trustpilot reviews for 365 Business Finance are marked as ‘Excellent’. Reviewers that have left feedback on Trustpilot and Google are pleased with how easy it was to secure business finance for this company, the businesses customer service gets a lot of positive feed back as well as the easy process to gain finance. There are a few reviews who are less happy with the service they’ve received, these are mainly down to the business and its funding support at the start of the pandemic.

There are no live reviews or rating on Smart Money People or

Trustpilot –  4.9 out of 5 (based on 239 reviews)
Google Reviews – 4.4 out of 5 (based on 51 reviews)


  • Fast & Flexible funding for specific business types that take card payments.
  • Repayments are only made if your business earns.
  • Excellent reviews on a number of review platforms.


  • They are a Fintech lender not a bank so may put some individuals off.
  • The only offer one type of finance, this type of lending my not suit some businesses.

365 Merchant Cash Advance

Unlike traditional bank loans, with our 365 merchant cash advance you can enjoy complete flexibility. There are no hidden fees or repayment deadlines. You only repay when you get paid. Unlike traditional bank loans, with our alternative business loans you can enjoy complete flexibility. There are no hidden fees or repayment deadlines. You only repay when you get paid.

To qualify for a 365 merchant cash advance:

  • You take card payments
  • You have been trading for six months or more
  • UK based business
  • Your monthly card sales are at least £5,000

Benefits of using 365 Finance Limited

365 Business Finance offers a range of business finance products including loans and business cash advances. Their merchant cash advance service offers businesses access to funding with repayments that are manageable. Their service is provided as an alternative to bank loans and is designed for small businesses.

The loan advance amount is based on the amount of income you make from credit and debit cards and the repayments are linked to this amount as well. They have a short application process and you can receive the funds within a few days.

This type of finance is not authorised and regulated by the financial conduct authority.

Some of the features and benefits of 365 Business Finance’s merchant cash advance.

  • Fast and flexible way of raising capital
  • Borrow from £5,000 to £200,000
  • No APR or fixed monthly payments
  • No security required
  • Utilise credit and debit card sales to raise funds
  • Short application process
  • Receive cash within days
  • Repay through a small portion of your monthly credit/debit card transactions
  • Suitable to small to medium-sized business
  • They approve over 90% of applications

Who is eligible for a 365 Business Finance cash advance?

To meet the quiteria the following requirements need to be achieved:

  • Have been trading for at least six months.
  • Your monthly credit and debit card sales of at least £5,000.

How to apply for borrowing from 365 Business Finance

Step 1:

You can apply online by visiting our application page and provide the relevant information. This will ensure that we match you with 365 Business Funding. We will then ask you for further information about your business. You’ll need to be ready to tell us the following in order to received a quote:

  • The name of your business
  • How long you’ve been in business
  • Limited company number
  • Registered office address
  • Your average monthly card sales
  • The amount you are looking to borrow

Step 2:

We will then require a few personal details, so please be ready to tell us:

  • Your title, along with you first name and surname
  • Position you hold within the business that is seeking a loan
  • Email and telephone number, so that we can stay in further contact with you

Step 3:

Read through our terms and conditions carefully, and if you’re happy to continue, click ‘get a quote’. From here your application will be processed and reviewed by a member of our business finance suppliers’ team, who will help you find the correct lender for your emergency business loan.

Step 4:

We will then be in touch with you to confirm the conditions of your agreed business loan application.

Step 5:

When your application is fully finished, it will be sent off and approved to the lender within 24 hours. You can then have a talk with them regarding the terms of the loan. These terms will include interest rates, as well as how much the borrower will repay each month. The loan is then provided to you on an agreed and transparent basis. As a lender we support the growth of your business with our returning Business Cash Advances.

Frequently asked questions

Is a credit check carried out by 365 Business Finance?

No credit check is carried out by 365 Business Finance at the initial quotation stage. Once approved for funding 365 will carry out a search with credit agencies, this may leave a foot print on your credit file.

How much will 365 Finance lend?

The amount you can borrow will depend on your average monthly card takings. So, the more you turnover through your card machine, the more you will be able to borrow. Example : If your business takes an average of £10,000 in sales per month on your PDQ machine or merchant gateway. You could qualify for funding to the same amount released via a merchant cash advance into your bank account.

How long can we borrow for?

Merchant cash advance's are classed as a short-term funding product. The repayment term is based on your business performance from your credit card payments or debit card payments. When sales are slow, you pay back less, and in good times you pay back faster. Typical repayment time are 6 to 9 months, but can be as short as 4 months and as long as 18 months. Once your business has a repayment history, 365 will offer you a top-up your funding, increasing your borrowing amount and extending the term. This will depend on your business affordability and repayment history.

What is the cost?

Every business is different, this is why the cost to each business is unique. 365 commercial finance is clear and straightforward as it is calculated using a factor rate which gives you a total repayment figure. A repayment percentage of each future sale by card is repaid to the lender until the loan amount is paid off in full by the business owner. There are no other hidden charges or costs associated with this type of borrowing.