365 Business Finance
Panel direct MCA lender we route to for £25k+ card-flow advances where the applicant wants a no-broker-fee structure. We also send case-by-case post-decline files here when missed payments or recent CCJs sit in the file but the card flow remains strong. Best fit for hospitality, retail and ecommerce Ltd companies with monthly card takings the advance can size against.
Quick routing verdict
- Product: Merchant cash advance.
- Ticket band: £10k to £500k.
- Decision time: 24 to 48 hours.
- Pricing: Factor rate 1.10 to 1.40.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- 365 Business Finance Limited
- Companies House
- 07475281
- Founded
- 2011
- Product
- Merchant cash advance
- Ticket range
- £10k to £500k
- Decision time
- 24 to 48 hours
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-06-12
Why we route here
- Direct lender, so the rate the applicant sees is the rate they get with no broker mark-up layered on top.
- PG-free options on some cases, which we use to unblock Ltd directors who refuse personal guarantees.
- Daily or weekly repayment cadence we can match to the applicant cash-flow profile.
- Case-by-case acceptance on missed payments and small CCJs where mainstream term lenders auto-decline.
When we route elsewhere
- Sub-£10k tickets are not entertained, so we route smaller asks to iwoca or Capify instead.
- MCA only with no term-loan alternative, so applicants who want fixed monthly payments go to Funding Circle, Allica or Aldermore.
- Factor-rate model means we have to translate to APR for the applicant in the matcher result.
- No card flow means no deal, so B2B service Ltds without a card terminal route to invoice finance or asset finance instead.
Best fit applicants
- Hospitality, retail and ecommerce Ltds with £20k+ monthly card flow
- £25k+ MCA tickets where the applicant wants a direct lender
- Ltd directors who refuse personal guarantees
Where 365 Business Finance is the wrong fit
- Sub-£10k tickets, route to iwoca or Capify
- B2B Ltds with no card flow, route to invoice finance
- Term-loan seekers, route to Funding Circle or Allica
If declined by 365 Business Finance
If your application to 365 Business Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our 365 Business Finance decline runbook for sector-specific routing detail, and our side-by-side guide to 365 Business Finance alternatives for the closest UK specialty finance providers.
Other panel lenders
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
- Capify, Merchant cash advance + term loan
Editorial reviews
For independent editorial reviews of 365 Business Finance and the wider UK SMB lending market, see our sister site BestBusinessLoans.
Run the matcher
Tell us your turnover, sector and ticket size. We score against 365 Business Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12. By Oliver Mackman.