365 Business Finance review 2026, the direct merchant cash advance lender with a relationship manager
By the CapExpand team
Reviewed by Alex Beardsley, Founder · UK commercial finance broker
Facts checked 9 September 2026 · first published 15 May 2026
Read on 9 September 2026: the 365finance.co.uk merchant cash advance and FAQ pages. The awards page, the Pollen Street Capital and Ireland releases of February 2025, the unsecured business loan page and the Companies House record for 365 Business Finance Limited are carried from the 7 September 2026 read.
The short answer
365 Finance is the trading name of 365 Business Finance Limited, a London lender that funds UK businesses from its own balance sheet and calls itself a direct financial provider. Its merchant cash advance runs from £10,000 to £500,000, is repaid from a small percentage of daily card transactions, and is typically cleared within 5 to 10 months. It sits on our panel.
The published door is a business trading for at least 6 months with average card sales of £10,000 or more in a month. Each customer is allocated a relationship manager, and the company says it has originated over £0.5 billion to UK SMEs since 2014.
Enquire through CapExpand
365 Finance is one of 200+ lenders on our panel. Put your numbers to us once and we arrange the enquiry with 365 Finance and with the other panel lenders that write merchant cash advance, so you see whatever offers come back side by side. A named case handler runs it from the first call to the offer, at no cost to you. Enquiring does not affect your credit score.
Key facts
Legal entity
365 Business Finance Limited, 08267810, incorporated 25 October 2012
Registered office
Manor House, 21 Soho Square, London
Products
Merchant cash advance and an unsecured business loan
Advance size
£10,000 to £500,000
Repayment period
Typically 5 to 10 months, with no fixed term
Minimum trading
6 months
Minimum card sales
An average of £10,000 in card sales each month
Published timings
Approval within 24 hours; funding within days
Funding line
£150 million senior secured facility from Pollen Street Capital, 25 February 2025
Ireland
Launched February 2025 at €10,000 to €250,000
365 Finance’s own pages read 9 September 2026, its press releases and Companies House, read 7 September 2026.
What we can place with 365 Finance
365 Finance sits on our panel with 2 live products across 1 category. This is what we hold, not what they advertise.
| Category | Products | Size | Term |
|---|---|---|---|
| unsecured business loans | 2 | £10,000 to £500,000 | 12 months |
Spans across 365 Finance products on our panel, checked September 2026, and set out for the whole panel in The UK SME Lending Panel 2026. Shown per category, because one range across different product types would describe something no business can actually have. These are not offers, quotes or rates you will be given, and a dash means we hold no published figure for that field. All lending is subject to status and the lender's own checks. Naming a lender is a fact about our panel: it is not an endorsement of CapExpand by 365 Finance, and implies no affiliation. Panel composition changes.
Who 365 Finance are
Three names belong to one firm. 365 Finance is the trading name, 365 Business Finance Limited is the registered company, number 08267810, incorporated on 25 October 2012 and working from Manor House on Soho Square, and what people search for as a 365 loan is either its merchant cash advance or its unsecured business loan. Warren Abbey has been chief executive since April 2024, having joined the year before as chief commercial officer; founder Andrew Raphaely sits on the board as executive vice chairman.
The lending is funded by a £150 million senior secured facility from Pollen Street Capital, agreed on 25 February 2025 on a relationship that dates from 2018 and sized to support more than £300 million of originations a year. A euro line funds the Irish business launched the same month. Its own FAQ, read on 9 September 2026, describes the firm as a direct financial provider, and there is no panel behind it placing a case elsewhere.
The awards page lists a King's Award for Enterprise for Innovation in 2024, given for Rev&U, the underwriting platform the product now runs on, Best Fintech Lender at the 2025 Lending Awards and SME Lender of the Year at the 2025 Credit Awards. Any firm's Register entry can be read at register.fca.org.uk.
What 365 Finance lends
The merchant cash advance is the core product. A business receives between £10,000 and £500,000, a ceiling raised from £400,000 in 2024, and repays it through a small percentage of its daily card transactions, deducted automatically at the point of sale. 365 publishes the repayment period as typically 5 to 10 months on its cash advance page and 6 to 10 months on its unsecured page, and states that there is no fixed term.
Because collection follows card takings, a busy month clears more of the balance and a quiet month less, and the FAQ says nothing extra is added if the advance takes longer than expected to repay. No security and no business plan are required, in its own words. An unsecured business loan sits alongside the advance for businesses that want a set instalment instead.
In February 2025 the company opened in the Republic of Ireland, offering advances of €10,000 to €250,000 to Irish businesses, and its April 2026 release describes rising demand from hospitality and retail customers. Ongoing funding is available to existing customers once an advance is under way.
Who it lends to
365 Finance publishes two thresholds and applies them plainly. A business must have been trading for at least 6 months, and its average credit and debit card sales must reach £10,000 in a month. Both appear on the cash advance page and the FAQ, read on 9 September 2026.
The customers it names are card-taking businesses: high street and online retail, hospitality and services, with hospitality and retail singled out again in its April 2026 release. The FAQ gives a 90% approval rate for applications and says approval arrives within 24 hours. The trading requirement is a company test in practice, so a business in its first 6 months, or one whose card takings sit under the £10,000 line, falls outside the published criteria.
How an application runs
An application starts with the Apply Now button, a phone call, or LiveChat during office hours. The business is then allocated a relationship manager, who takes the details and any questions through to a decision; 365 describes the relationship as phone-led, with the same person assisting throughout the life of the advance.
365 publishes approval within 24 hours and funding into the business bank account within days. Once the agreement is signed, the card processor is set up to send the agreed percentage of each day's transactions to 365, and collection runs automatically from the first trading day. When the balance is clearing well, the same relationship manager handles the application for ongoing funding.
Our panel and 365 Finance
Our catalogue, captured September 2026, holds 2 live 365 Finance products in the unsecured category, sized £10,000 to £500,000 over 12 months. Those are our own panel figures rather than the lender's marketing, and the table above shows them per category. The £10,000 floor matches the one 365 publishes.
An enquiry through us goes to 365 Finance and to the other merchant cash advance lenders on the panel together, and the business decides between whatever offers return. We arrange; 365 underwrites and decides. Naming 365 Finance is a fact about our panel, not an endorsement of CapExpand by 365 Finance, and it implies no affiliation.
Who 365 Finance suits
A good fit if
- Businesses trading for 6 months or more with average monthly card sales of £10,000 or higher
- Hospitality, retail and service businesses whose income arrives through a card terminal
- Owners who want a relationship manager on the phone from the first call
- Advances between £10,000 and £500,000 repaid from daily card takings
- Irish businesses, through the Republic of Ireland operation launched in February 2025
Outside its published criteria
- Businesses in their first 6 months of trading
- Card takings that average under £10,000 in a month
- Businesses paid mainly by invoice or bank transfer, since repayment is taken at the card terminal
- Anyone who needs more than the £500,000 ceiling
In short
365 Finance is a direct merchant cash advance lender, incorporated in 2012, funded by a £150 million Pollen Street Capital facility since February 2025 and writing advances of £10,000 to £500,000 that typically repay within 5 to 10 months. Its published criteria are 6 months of trading and average monthly card sales of £10,000, its timings are approval within 24 hours and funding within days, and every customer is given a relationship manager.
To enquire through us, complete the funding form with your monthly card sales, your trading start date and the amount you need. We put the same figures to 365 Finance and to the other merchant cash advance lenders on our panel, and you see the offers that come back together. CapExpand is a credit broker, not a lender. Enquiring does not affect your credit score.
365 Finance is on our panel. So are the lenders it competes with.
Go direct and it is one application to one lender. Enquire through us and the same numbers go to 365 Finance and to the other panel lenders that write merchant cash advance, packaged once by a named case handler who knows what each lender asks for, and you choose between the offers that come back before anything is committed. We arrange; the lender decides.
A named person calls you back within one working day, usually within a couple of hours. Finance arranged for UK limited companies, LLPs, sole traders and partnerships. Enquiring does not affect your credit score.
Frequently asked questions
Put 365 Finance and the rest of the panel to the test with one enquiry.
Callback within one working day, usually within a couple of hours. Enquiring does not affect your credit score.
Sources and method
Facts on this page were checked against the sources below on 9 September 2026. Every figure on this page traces to a published source.
- 365 Finance merchant cash advance page, read 9 September 2026 (£10,000 to £500,000, 6 months trading, £10,000 monthly card sales, approval within 24 hours, funding within days, 5 to 10 month repayment, relationship manager)
- 365 Finance FAQ, read 9 September 2026 (direct financial provider, company number, no security or business plan, application routes, ongoing funding)
- 365 Finance homepage and unsecured business loan page, read 7 September 2026 (over £0.5 billion originated since 2014, 6 to 10 month repayment)
- 365 Finance awards and recognition page (King’s Award for Enterprise 2024, Lending Awards 2025, Credit Awards 2025), read 7 September 2026
- Companies House, 365 Business Finance Limited 08267810, incorporated 25 October 2012, officers, read 7 September 2026
- FCA Register, for any firm entry, checked 8 September 2026