365 finance
365 Finance is a UK-based fintech founded in 2012 that provides revenue-based financing and merchant cash advances of £10,000–£500,000 to SMEs, using AI underwriting and card-terminal-linked repayments to serve customers underserved by traditional banks across the UK and Ireland.
- Company typePrivate
- Founded2012
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingServices
What 365 finance does
365 Finance (legally 365 Business Finance Limited) is a UK-based alternative lender founded in 2012 that provides revenue-based financing and merchant cash advances to small and medium enterprises underserved by traditional banks. The company advances between £10,000 and £500,000 to UK businesses that have been trading for at least six months and process at least £10,000 per month in card sales, with repayments structured as an agreed percentage (typically 5–15%) of daily credit and debit card transactions rather than fixed monthly installments. Its flagship Rev&U product is complemented by a broader portfolio spanning quick business loans, limited company loans, short-term business loans, SME business loans, invoice finance, VAT loans, equipment financing, flexible business loans, cash flow loans, and business expansion funding, all serviced through the same card-linked repayment rail.
The core technology stack is an AI-powered underwriting platform launched in 2024 that evaluates affordability from card transaction histories and delivers funding decisions within 24 hours at a 90% approval rate, paired with an automated card-terminal-linked collection system that adjusts repayments to daily sales and stops automatically once an advance is repaid. Distribution is hybrid: a self-serve online application channel that takes under five minutes, plus a broker and introducer network of 500+ UK brokerages accessed through an Open Lending API and dedicated partnerships portal that constitutes the company's largest acquisition channel. The company is headquartered in London (Manor House, 21 Soho Square) with a regional office in Dublin led by Nathan Stewart to serve Irish SMEs, and operates with 51–100 employees under CEO Warren Abbey.
365 Finance makes money primarily through transaction-based pricing on the merchant cash advances it originates — a single all-inclusive cost is agreed at inception with no APR, admin fees, or late fees — supplemented by commissions from broker referrals. Its lending capacity is underpinned by a £150 million debt facility secured from Pollen Street Capital in February 2025 (including a euro tranche for Ireland) sized to support over £300 million in annual originations. Customer segments are organized as UK SMEs as the primary market, UK brokers and ISOs as the secondary channel-driven segment, and sector-specific verticals (non-food retail, hospitality, hair and beauty, entertainment and leisure) as the tertiary growth lens, with no disclosed equity investors and no public listing.
365 finance firmographics
Firmographics- Name
- 365 finance
- Legal name
- 365 Business Finance Limited
- Website
- https://365finance.co.uk
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- 365 Finance is a UK-based fintech founded in 2012 that provides revenue-based financing and merchant cash advances of £10,000–£500,000 to SMEs, using AI underwriting and card-terminal-linked repayments to serve customers underserved by traditional banks across the UK and Ireland.
- Ownership category
- akta.pro rank
365 finance industry classification
Industry- Product category
- Alternative SME Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Merchant Cash Advance & Payment-linked Lending (CRAFALAK)
Keywords
Where 365 finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
365 finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Merchant Cash Advance / Revenue-Based Finance: 365 Finance provides merchant cash advances where businesses receive upfront capital (£10,000-£500,000) and repay through an agreed percentage (typically 5-15%) of their daily credit and debit card sales. There are no APRs, interest rates, fixed monthly payments, or late fees. Instead, a single all-inclusive cost is agreed at inception which never changes. Repayments automatically adjust based on business performance - when sales are high, more is repaid; when sales are low, repayments decrease. The company also earns commission from broker referrals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Finance: £10,000 to £500,000 for UK businesses with £10,000+ monthly card sales trading 6+ months |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
365 finance product offering
Product offeringCore offering
365 Finance provides revenue-based finance and merchant cash advances to UK small and medium enterprises (SMEs), offering unsecured funding of £10,000 to £500,000. Businesses repay through an agreed percentage (typically 5-15%) of their daily credit and debit card sales, with one all-inclusive cost agreed upfront and no APR, fixed monthly payments, late fees, or security required. Funding decisions are issued in as little as 24 hours via an AI-powered underwriting platform, with distribution through a direct online application channel and a network of 500+ UK brokers and introducers.
Product overview
365 Finance operates as a direct financial provider offering revenue-based financing solutions primarily through its core Rev&U™ product, a merchant cash advance that enables UK SMEs to access unsecured funding ranging from £10,000 to £500,000. The company's product portfolio centers on flexible financing alternatives to traditional bank loans, with repayment structures tied to daily card transactions rather than fixed monthly payments. The offering spans merchant cash advances, SME business loans, quick business loans, limited company loans, short-term business loans, invoice finance, VAT loans, equipment financing, flexible business loans, cash flow loans, and business expansion funding. The unified platform approach means all products share the same underlying technology—automated underwriting linked to card payment processing—with variations in loan amounts, eligibility criteria, and specific use cases.
Differentiator
Problem solved
Functional benefit
Brands
- Rev&U: Revenue-based finance product brand offering flexible business funding with repayments tied to card sales.
Quantifiable outcome
- 90% of applications approved
- +6 more outcomes
Companies that use 365 finance
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles2 records
365 finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
365 finance partnerships and signals
Strategic signalScale indicators8 records
Recent moves6 records
Expansion highlights5 records
365 finance competitors and assessment
Company assessmentDirect peers
- Capify: UK-based direct competitor offering merchant cash advances and small business loans to SMEs with repayments tied to card sales. Closest peer in product mechanics and target customer.
- YouLend: Revenue-based finance provider for UK SMEs with API-led broker distribution and same card-tied repayment model. Competes head-to-head on speed, broker commissions, and approval rates.
- Liberis: Embedded revenue-based finance platform serving SMEs via partner integrations. Comparable for product structure (RBF repaid via card takings) and broker/partner distribution.
- Merchant Money: UK merchant cash advance provider focused on SMEs with similar card-tied repayment mechanics. Directly comparable on product, customer segment, and distribution approach.
- iwoca: UK SME lender offering flexible credit lines up to £500k to small businesses via both direct and broker channels. Comparable on customer segment, ticket size, and broker distribution; differs by using revolving credit rather than MCA structure.
Broad incumbents
- Funding Circle: Listed UK SME lending platform offering term loans and flexiloan products. Broader incumbent with deeper capital base and longer-tenured broker relationships; competes for the same SME borrowers on larger tickets.
- Stripe Capital: Embedded working-capital product offered to Stripe merchants, repaid via a share of sales. Larger incumbent with payment-data underwriting advantage; targets similar UK SMEs but only those transacting on Stripe.
- MarketFinance: UK-based invoice finance and business lending provider serving SMEs with short-term working capital. Adjacent competitor for the same SME cash-flow-management needs; differs on product structure (invoice discounting vs MCA).
Emerging players
- Wayflyer: Revenue-based financing platform originally focused on ecommerce/retail brands. Comparable product model (RBF repaid from sales) with overlapping SME customer base; UK and Ireland presence.
- Clearco: Revenue-based finance provider historically focused on ecommerce and DTC brands. Comparable product structure with repayments tied to revenue; expanding into UK/European SME segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
365 finance social profiles
Digital presence365 finance compliance and trust
Trust signalCompliance1 record
365 finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
365 finance leadership team
Management profileNumber of profiles
Profiles4 records
365 finance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
365 finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 365 finance
What does 365 finance do?
365 Finance provides revenue-based finance and merchant cash advances to UK small and medium enterprises (SMEs), offering unsecured funding of £10,000 to £500,000. Businesses repay through an agreed percentage (typically 5-15%) of their daily credit and debit card sales, with one all-inclusive cost agreed upfront and no APR, fixed monthly payments, late fees, or security required. Funding decisions are issued in as little as 24 hours via an AI-powered underwriting platform, with distribution through a direct online application channel and a network of 500+ UK brokers and introducers.
Is 365 finance a public or private company?
365 finance is a private company. It is classified as unknown and is currently operating.
When was 365 finance founded?
365 finance was founded in 2012. It employs 51 to 100 people.
Where is 365 finance based?
365 finance is headquartered in London, United Kingdom, in the Europe region.
How does 365 finance make money?
One revenue line is on record: merchant Cash Advance / Revenue-Based Finance.
Who are 365 finance's main competitors?
Direct peers on record are Capify, YouLend, Liberis, Merchant Money and iwoca. Broad incumbents are Funding Circle, Stripe Capital and MarketFinance. Emerging players are Wayflyer and Clearco.
Does 365 finance have an API?
Yes. 365 Finance offers an Open Lending API that enables brokerages and introducers to refer clients for revenue-based financing. The API allows partners to integrate with 365 Finance's platform for streamlined collaboration and processing of financing applications. Developer documentation is at 365businessfinance.my.site.com/partner.
What industry is 365 finance in?
365 finance's product category is Alternative SME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement. Its NAICS code is 52222 and its SIC code is 6153.