365 finance

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.

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

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

• Revenue-based finance
• Merchant cash advance
• SME business loans
• Alternative business lending
• Unsecured business funding

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers9 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• Xx.com/365bizfinance
• Facebookfacebook.com/365BusinessFinance
• LinkedInlinkedin.com/company/3-6-5-finance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 365 finance