Head to head
365 Business Finance vs Liberis: Which UK Business Finance Provider in 2026?
Independent, side by side. Rate, ticket band, decision speed and eligibility compared for UK limited companies and LLPs.
Start here · What do you need?
365 Business Finance is the stronger all-round pick in our reviews, but Liberis wins on specific files. 365 Business Finance offers merchant cash advance (revenue-based finance) (ticket range: £10k to £500k; rate: One fixed cost, repaid as a percentage of card sales (quoted per offer)); Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs (ticket range: £1k to £1m; rate: One fixed fee, repaid as a percentage of sales (quoted per offer)). The right answer depends on ticket size, trading history and sector. Liberis beats 365 Business Finance for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow. Read the side-by-side, then jump to the "When 365 Business Finance wins" and "When Liberis wins" sections for the buyer-fit logic.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
365 Business Finance, at a glance
- Product
- Merchant cash advance (revenue-based finance)
- Ticket range
- £10k to £500k
- Typical rate
- One fixed cost, repaid as a percentage of card sales (quoted per offer)
- Decision time
- Funding in as little as 24 hours
- FundBiz editorial view
- Stronger all-round; best for hospitality, retail and ecommerce Ltds trading 6+ months with £10k+ monthly card sales (365's published minimum)
Liberis, at a glance
- Product
- Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs
- Ticket range
- £1k to £1m
- Typical rate
- One fixed fee, repaid as a percentage of sales (quoted per offer)
- Decision time
- Funding in as little as 24 hours
- FundBiz editorial view
- Wins on specific files; best for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow
Side-by-side
Full profiles: 365 Business Finance · Liberis
| Compared on | 365 Business Finance | Liberis |
|---|---|---|
| Product type | Merchant cash advance (revenue-based finance) | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs |
| Ticket range | £10k to £500k | £1k to £1m |
| Typical rate | One fixed cost, repaid as a percentage of card sales (quoted per offer) | One fixed fee, repaid as a percentage of sales (quoted per offer) |
| Decision time | Funding in as little as 24 hours | Funding in as little as 24 hours |
| Soft search at quote | Yes | No (hard search) |
| Ltd-only? | No | No |
Sources: 365 Business Finance's own site · Liberis's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When 365 Business Finance wins
- Direct lender, so the rate the applicant sees is the rate they get with no broker mark-up layered on top.
- No credit check for a provisional quote, according to 365's own FAQ; a credit check follows once an application is approved.
- Repayments are a percentage of card sales, so they fall in quieter months.
- Case-by-case acceptance on missed payments and small CCJs where mainstream term lenders auto-decline.
Best for
Hospitality, retail and ecommerce Ltds trading 6+ months with £10k+ monthly card sales (365's published minimum), £25k+ MCA tickets where the applicant wants a direct lender, Ltd directors who refuse personal guarantees.
Watch outs
- 365 advances start at £10,000, so smaller asks may suit iwoca instead.
- MCA only with no term-loan alternative, so borrowers who want fixed monthly payments may prefer Funding Circle, Allica or Aldermore.
- A fixed-cost model with no APR makes the true cost harder to compare with a loan.
When Liberis wins
- Strong embedded distribution, so applicants on Worldpay, Klarna or Dojo often arrive pre-approved.
- Repayments scale with sales, which can suit businesses that can't service a fixed monthly burden.
- Operates in several countries through its partners, which can suit ecommerce Ltds selling cross-border.
- Funding in as little as 24 hours, by Liberis's own account, where the partner data is already in.
Best for
Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow, Ecommerce Ltds wanting embedded-finance journeys, Applicants with pre-approved offers visible inside their partner platform.
Watch outs
- Much of its distribution runs through partners, so applicants without a partner relationship may get a slower route.
- A fixed fee rather than an APR carries the same opacity as other MCA products, so work out the effective cost before signing.
- Offers are often tied to a partner platform, so non-partner businesses may suit 365 Business Finance or YouLend better.
FAQ
365 Business Finance or Liberis: which is the better UK business finance provider in 2026?
365 Business Finance is our stronger all-round pick in our reviews, but the right answer depends on what your file looks like. 365 Business Finance is the stronger pick for hospitality, retail and ecommerce Ltds trading 6+ months with £10k+ monthly card sales (365's published minimum), while Liberis is the stronger pick for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow.
If your file sits in one of those buckets, pick the right fit rather than the headline. See our /methodology/ for how we assess each lender.
What does each product look like, 365 Business Finance vs Liberis?
365 Business Finance offers merchant cash advance (revenue-based finance) (ticket range: £10k to £500k; rate: One fixed cost, repaid as a percentage of card sales (quoted per offer); decision time: Funding in as little as 24 hours). Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs (ticket range: £1k to £1m; rate: One fixed fee, repaid as a percentage of sales (quoted per offer); decision time: Funding in as little as 24 hours).
365 Business Finance uses a soft search at quote. Liberis runs a hard credit search at full application. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
365 Business Finance is the wrong answer for sub-£10k tickets, consider iwoca. Liberis is the wrong answer for applicants without a partner-platform relationship, consider Capify or 365 Business Finance. If either of those describes your file, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with 365 Business Finance or Liberis?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't send enquiries to lenders. If you send an enquiry through FundBiz, we pass it to a business finance broker, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for 365 Business Finance and Liberis is set by each lender, and trading history requirements vary, so check each lender's own criteria.
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How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by a business finance broker for each enquiry we pass on. See our full methodology.
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Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).