Business loan declined by 365 Business Finance, what next?
365 Business Finance has declined your merchant cash advance application. 365 is a top-tier UK MCA provider that engages case-by-case on credit issues mainstream lenders auto-decline, so a 365 decline is a strong indicator that the route needs to shift to specialist post-decline or asset-backed alternatives.
Why this triggers a decline
365's common decline drivers in order of frequency: card or bank turnover below £10,000 a month, sub-6-month trading history, multiple recent CCJs (especially unsatisfied ones over £5,000), active HMRC enforcement or VAT arrears without a Time to Pay arrangement, recent director appointment inside the last 6 months, sector exclusions (gambling, adult, regulated financial services, charities), and conduct issues on a previous 365 facility.
Alternatives that work
- Capify for an alternative MCA underwriter on the same card-flow profile
- Liberis for retail and hospitality card-flow MCA
- YouLend for marketplace and gateway flow
- Asset finance against specific equipment
- Specialist post-decline lenders for harder cases
Lenders we route to
- Capify (CCJ-tolerant on MCA, lower file-thickness requirement)
- Liberis (card-flow MCA)
- YouLend (marketplace and gateway flow including Amazon, Shopify, eBay)
- Bizcap (specialist post-decline)
- JPM Capital (specialist post-decline)
What to do first
- Request the 365 decline reason via your account manager; they typically state it clearly.
- If the issue is HMRC arrears, agree a Time to Pay with HMRC and document the arrangement before approaching alternatives.
- If the issue is recent director change, confirm whether the 6-month settling-in window has passed; many MCA lenders retest after 6 months.
- If the issue is a recent CCJ, check whether it is satisfied; route to a CCJ-tolerant lender like Capify or to a specialist post-decline lender if not.
- If the issue is card-flow volume, build 60 to 90 days of stronger flow before reapplying.
Not for
Active CVA, undischarged IVA, sanctioned beneficial owner, or sole-trader applicants (FundBiz is Ltd-only).
Run the matcher
Tell us your sector, ticket size and trading time. We score each panel lender and surface the ones most likely to approve given the decline reason above.
Open matcher →Last reviewed: 2026-05-10.