Best for: Businesses needing quick funding
365 Finance
Fast business funding based on card sales.
Updated April 2026
Typical Rates
Transaction Fee
N/A - Funding provider
Monthly Fee
N/A
Setup Fee
Factor rate 1.1-1.4x
* Rates are indicative and may vary based on business type, transaction volume, and other factors. Contact us for a personalized quote.
About 365 Finance
365 Finance specializes in merchant cash advances and revenue-based funding for businesses with regular card sales.
Pros & Cons
Advantages
- Fast approval (24-48 hours)
- Flexible repayments
- Options with/without personal guarantee
- Based on card sales
- Simple application
Considerations
- Higher cost than loans
- Requires card processing
- Factor rates can be high
Best For
Businesses needing quick fundingCard-based businessesSeasonal businessesBusinesses declined by banks
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