Lender review · Merchant cash advance

365 Business Finance

Name: 365 Business Finance
Brand: 365 Business Finance

4.1 / 5 £10k to £500k · 24 to 48 hours ·FCA regulated

UK direct MCA lender with broker-free pricing and no-personal-guarantee options for some SMEs. Sister site to BestBusinessLoans operator focuses on direct relationships, no broker mark-up.

Oliver Mackman

Director, BestBusinessLoans

Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.

Last reviewed: 26 April 2026

At a glance

Product: Merchant cash advance
Ticket size: £10k to £500k
Typical rate: Factor rate 1.10 to 1.40
Decision time: 24 to 48 hours
Soft search at quote: Yes
Limited companies only: No
FCA regulated: Yes (check the FCA Register)
Companies House: 07475281

Scores against our methodology

Rate transparency3/5
Eligibility clarity4/5
Decision speed4/5
Decline handling4/5

Full methodology.

How 365 Business Finance works

365 Business Finance operates as a merchant cash advance provider in the UK SMB market. UK direct MCA lender with broker-free pricing and no-personal-guarantee options for some SMEs. Sister site to BestBusinessLoans operator focuses on direct relationships, no broker mark-up.

The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £10k to £500k band, decisions land within 24 to 48 hours, and the published rate range is Factor rate 1.10 to 1.40. Soft search at quote means no impact on your credit file at the eligibility stage. 365 Business Finance is FCA regulated.

Where 365 Business Finance fits best: hospitality, retail, e-commerce, £25k+ tickets, pg-averse ltd directors. Where it does not fit: sub-£10k, b2b with no card flow.

Pricing examples

Worked examples using 365 Business Finance's published rate range (Factor rate 1.10 to 1.40). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.

Ticket	Term	Estimated total cost	Approx monthly
£25,000	24 months	See lender quote	See lender quote
£50,000	36 months	See lender quote	See lender quote
£100,000	48 months	See lender quote	See lender quote

Indicative only. Confirm on a 365 Business Finance quote.

Eligibility

Trading time: typically 12 to 24 months minimum for the cleanest pricing.
Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
Sector exclusions: Sub-£10k; B2B with no card flow.
Credit profile: Clean credit preferred; older satisfied items often acceptable.
Company structure: Limited companies and (in some cases) sole traders / partnerships.
Best fit: Hospitality, retail, e-commerce; £25k+ tickets; PG-averse Ltd directors.

Pros

+ Direct lender; no broker fee added.
+ No PG available for some applicants (rare in MCA).
+ Daily or weekly repayment options.
+ Strong reputation in trade press.

Cons

− Factor-rate model same opacity issue as Capify.
− Cash-advance only; no term loan option.
− Below £10k tickets not entertained.

Best for

· Hospitality, retail, e-commerce
· £25k+ tickets
· PG-averse Ltd directors

Weak at

· Sub-£10k
· B2B with no card flow

When to use 365 Business Finance

Use 365 Business Finance when

Your application matches the best-fit profile: hospitality, retail, e-commerce, £25k+ tickets, pg-averse ltd directors. The published ticket range (£10k to £500k) covers your ask, the decision speed (24 to 48 hours) fits your cash-gap timeline, and the rate range (Factor rate 1.10 to 1.40) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.

Do not use 365 Business Finance when

Your profile sits in the weak-at list: sub-£10k, b2b with no card flow. 365 Business Finance will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using 365 Business Finance as a screen.

FAQs

What is the minimum trading time for 365 Business Finance?

365 Business Finance typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.

Does 365 Business Finance require a personal guarantee?

Most UK SMB lenders require a personal guarantee from at least one director. 365 Business Finance is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For merchant cash advance specifically, expect a PG to be requested.

How fast does 365 Business Finance fund?

365 Business Finance quotes 24 to 48 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.

What rate should I expect from 365 Business Finance?

365 Business Finance's published range is Factor rate 1.10 to 1.40. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.

What happens if 365 Business Finance declines me?

If 365 Business Finance declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. 365 Business Finance scores 4/5 on decline handling in our methodology.

Where to apply

Apply directly via www.365businessfinance.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just 365 Business Finance.

Specialty alternatives

· Swiftfund, Cheshire-based MCA specialist, the trading name of Bizlend Limited. Requires £20k monthly card-machine turnover. Strong ...