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365 Business Finance Review

365 Business Finance is a Manchester-based specialist merchant cash advance provider that helps UK businesses — particularly in hospitality, retail, and leisure — access working capital based on their card transaction volume. Founded in 2012, the company provides funding that is repaid automatically as a percentage of daily card sales, meaning repayments flex with revenue rather than being fixed monthly obligations.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£5k – £400k

Rates

1.1 – 1.4

factor rate (not APR)

Speed

Within 24 hours

Trustpilot

4.7/5

2,400 reviews

What is 365 Business Finance?

365 Business Finance (365 Business Finance Ltd) is a UK-based business finance provider founded in 2012 and headquartered in Manchester. 365 Business Finance is a Manchester-based specialist merchant cash advance provider that helps UK businesses — particularly in hospitality, retail, and leisure — access working capital based on their card transaction volume. Founded in 2012, the company provides funding that is repaid automatically as a percentage of daily card sales, meaning repayments flex with revenue rather than being fixed monthly obligations. They have lent £500 million to date, helping 20,000+ UK businesses.

Founded 2012 Manchester Merchant cash advances are not regulated credit agreements under the Consumer Credit Act. 365 Business Finance Ltd is registered with the Financial Conduct Authority for anti-money laundering purposes. Companies House number 08251242.

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Products offered

Merchant Cash Advance

Rates and costs

Rate range
1.1 – 1.4 (factor rate (not APR))
Representative APR
Variable — dependent on card sales velocity
Amount range
£5,000 – £400,000
Approval speed
Within 24 hours

Representative example

Borrow £30,000 over Estimated 9–12 months based on card sales. Total repayable: £39,000. Cost of credit: £9,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
6+ months
Minimum turnover
£5,000 per month in card sales
Credit requirements
Merchant cash advances are not credit products in the traditional sense. Assessment is based on card sales history. Poor credit accepted.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

We compare 365 Business Finance against 200+ other lenders to find the best match for your situation

3

Review your matched options — see rates, terms, and eligibility from multiple providers including 365 Business Finance

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Repayments flex automatically with your card sales — no fixed monthly payment
  • No fixed repayment date — suitable for seasonal businesses
  • Poor credit accepted as approval is based on card revenue, not credit score
  • Fast funding — often within 24 hours of approval

Cons

  • Factor rates (e.g. 1.3x) can be expensive relative to term loans
  • Only suitable for businesses that take significant card payments
  • No fixed repayment term — outstanding longer if sales are slow
  • Not regulated as a loan — fewer consumer protections apply

Is 365 Business Finance right for you?

Best for

Hospitality, retail, and leisure businesses with strong card sales volume that want flexible repayments aligned to revenue rather than fixed monthly loan repayments

Not ideal for

Businesses with low card sales volumes, B2B companies invoicing clients, or borrowers who prefer a predictable fixed repayment schedule

365 Business Finance alternatives

If 365 Business Finance isn't the right fit, consider these alternatives:

YouLend Funding Circle iwoca Bizcap

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Frequently asked questions about 365 Business Finance

Is 365 Business Finance legit?
Yes, 365 Business Finance is a legitimate UK merchant cash advance provider. Founded in 2012 and headquartered in Manchester, the company has funded over £500 million to more than 20,000 UK businesses. They hold an 'Excellent' rating on Trustpilot with over 2,400 verified reviews. Note that merchant cash advances are not regulated credit products under the Consumer Credit Act, so the FCA protections that apply to loans do not apply here.
What are 365 Business Finance rates?
365 Business Finance uses a factor rate model rather than traditional interest rates. Factor rates typically range from 1.1 to 1.4 — meaning if you advance £20,000 at a factor of 1.3, you repay £26,000 in total. There is no APR because repayment speed varies with card sales. The effective cost depends on how quickly your business repays through its daily card revenue split.
Can I get 365 Business Finance funding with bad credit?
Yes — merchant cash advances from 365 Business Finance are assessed primarily on your card sales history rather than your credit score. Poor credit, CCJs, and previous credit issues are considered acceptable as long as your business generates sufficient monthly card revenue. This makes 365 Business Finance one of the most accessible funding options for businesses with adverse credit.
How much can I borrow from 365 Business Finance?
365 Business Finance provides merchant cash advances from £5,000 to £400,000. The advance amount is typically based on a multiple of your average monthly card sales — usually between 50% and 150% of monthly card turnover. Businesses with a minimum of £5,000 per month in card sales may qualify. Repeat customers with a good repayment record can access higher amounts.
Is 365 Business Finance FCA regulated?
Merchant cash advances are not regulated financial products under the Consumer Credit Act 1974, meaning 365 Business Finance does not require FCA consumer credit authorisation to offer this product. This is different from a business loan. The company is registered with the FCA for anti-money laundering purposes. This means standard consumer credit protections such as the right to a statutory notice period do not automatically apply, so it is important to read the agreement terms carefully.
How long does 365 Business Finance take?
365 Business Finance typically provides a decision within hours of receiving a complete application and card processing statements. Funding is usually transferred within 24 hours of signing the advance agreement. The streamlined, card-data-driven underwriting model makes this one of the fastest sources of business funding available to hospitality and retail businesses.
Can I repay 365 Business Finance early?
Merchant cash advances from 365 Business Finance are repaid automatically through a fixed percentage of daily card sales, so there is no traditional early repayment mechanism. If your business has strong card sales, repayment will naturally accelerate. Some providers allow a lump-sum settlement — contact 365 Business Finance directly to enquire about settlement options if you want to pay off your advance faster.
365 Business Finance vs YouLend — which is better for merchant cash advance?
Both 365 Business Finance and YouLend offer merchant cash advances based on card revenue, but they target slightly different distribution channels. YouLend partners with payment platforms like Shopify, Square, and Barclaycard, meaning their advances can be offered directly through your existing payment provider — often with a very frictionless experience. 365 Business Finance works more directly with hospitality and retail businesses and is well known in the restaurant and café sector. If you already use a YouLend partner platform, that route may be faster; if you want a specialist focused on hospitality, 365 Business Finance has the stronger track record.

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