365 Finance Cash Advance Calculator
Starts from the ranges 365 Finance publishes. Swap in your own offer for an exact figure.
Facts checked 7 September 2026
Ranges taken from 365 Finance: merchant cash advance product page and FAQs.
365 Finance agrees one fixed fee at the start and collects it as a share of each day’s card takings, which its site puts at typically between 5% and 15%, with the advance usually repaid within 5 to 10 months and no extra charge if it takes longer. It publishes the funding range and the repayment band but not a factor rate, so the rate below is a mid-market assumption rather than a 365 figure.
365 Finance: £10,000 to £500,000, typically repaid in 5 to 10 months
365 Finance does not publish a rate card; UK advances run 1.10 to 1.50
Use an average month, not your best one
365 Finance publishes a repayment share of typically 5% to 15% of card sales
Common questions
Does 365 Finance publish its factor rate?▼
365 Finance does not publish a rate card; UK advances run 1.10 to 1.50.
How much of my card sales does 365 Finance take each day?▼
365 Finance publishes a repayment share of typically 5% to 15% of card sales. The share is fixed for the life of the advance, so the cash amount rises and falls with your takings.
Is this a 365 Finance quote?▼
No. It is arithmetic on the ranges 365 Finance publishes, with a mid-market factor rate where 365 Finance does not publish one. Your offer will carry its own figures; put those into the calculator and the result is exact for your deal.
Source
365 Finance: merchant cash advance product page and FAQs, checked 7 September 2026. The calculator assumes a 30-day trading month and a fixed share of card sales.
CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender. We do not provide financial advice.