365 Business Finance
- Company typePrivate
- Founded2012
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What 365 Business Finance does
365 Business Finance (trading as 365 Finance) is a London-based, FCA-regulated alternative lender founded in 2012 that provides revenue-based finance and merchant cash advances to UK small and medium enterprises. Its core product links repayment to a fixed percentage of the borrower's future credit and debit card sales, eliminating fixed monthly obligations and collateral requirements. Funding is typically up to £500,000, with the company claiming a 90% approval rate and disbursement within 24 hours.
The company operates a single-product-anchored platform with adjacent lending variants including unsecured business loans, quick business loans, and LTD loans targeted at limited companies. Underlying technology integrates with merchant acquirer card processing data to automate daily repayment collections and underwriting inputs, while go-to-market combines a self-serve online application portal with a broker/introducer network serving retail (high street and online), hospitality, and service-sector SMEs. Revenue is generated through factor-rate-style all-inclusive charges applied to each advance rather than APR-based interest.
The capital base is institutional: a £55m debt-and-equity raise in January 2022 (including Kendal Capital) was directed at a fourfold expansion of the lending book, and a 40% upsizing of a senior secured credit facility from Pollen Street Capital in July 2023 further expanded drawdown capacity. Recognition includes the 2024 King's Award for Enterprise for in-house innovation and the 2024 Lender Excellence Award. The company is privately held with no disclosed parent entity and operates exclusively in the United Kingdom.
365 Business Finance firmographics
Firmographics- Name
- 365 Business Finance
- Legal name
- 365 Business Finance Limited
- Website
- https://365businessfinance.co.uk
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
365 Business Finance industry classification
Industry- Product category
- SME Lending
- NAICS
- Sales Financing (522220)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- Revenue-Based Financing (RBF) Providers (FSANAIAF)
Keywords
Where 365 Business Finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
365 Business Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Revenue-Based Finance Lending: Provides flexible business financing repaid through a percentage of future card sales. Generates revenue through interest and fees on advances. One all-inclusive cost that never changes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Business Finance up to £500K |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
365 Business Finance product offering
Product offeringCore offering
365 Business Finance provides unsecured, revenue-based financing and merchant cash advances of up to £500,000 to UK small and medium-sized businesses. Repayments are collected as a percentage of the customer's future credit and debit card sales, aligning repayment amounts with revenue cycles. The product suite includes revenue-based finance, merchant cash advances, unsecured business loans, quick business loans, and limited-company loans, with funding decisions in 24 hours and a 90% approval rate.
Product overview
365 Business Finance operates as a direct financial provider offering a portfolio of business financing products focused on UK SMEs. The core offering is Revenue-Based Finance, which enables businesses to access capital using future card transaction revenue as collateral. This is complemented by Merchant Cash Advance, Unsecured Business Loans, Quick Business Loans, and LTD Loans. The products are designed for flexibility with no security requirements, no fixed term commitments, and funding available within 24 hours. The company targets sectors including retail (high street and online), hospitality, and service businesses, positioning itself as an alternative to traditional bank lending.
Differentiator
Problem solved
Functional benefit
Products and services
- Revenue-Based Finance Flexible financing product for UK SMEs where repayment is collected as a percentage of future credit and debit card sales, with funding available in as little as 24 hours and a 90% approval rate.
- Merchant Cash Advance Unsecured advance for SMEs repaid through daily card transactions, giving businesses flexible access to capital without fixed monthly payments.
- Unsecured Business Loans Business financing of up to £500K requiring no security or collateral, designed for UK SMEs that cannot or do not want to pledge assets.
- Quick Business Loans Fast-access business loans aimed at UK SMEs needing rapid financing decisions for short-term working capital or urgent business needs.
- LTD Loans Financing solutions tailored for UK limited companies seeking capital for growth, operations, stock, or equipment purchases.
Quantifiable outcome
- 90% approval rate
- +3 more outcomes
Companies that use 365 Business Finance
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles1 record
365 Business Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
365 Business Finance partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
365 Business Finance competitors and assessment
Company assessmentDirect peers
- iwoca: UK-based online lender providing flexible working capital and term loans to small businesses. Directly comparable as a UK SME-focused alternative finance provider targeting similar borrower profiles with fast, unsecured credit.
- Liberis: UK-headquartered revenue-based finance provider offering funding to SMEs repaid through card takings. Closely comparable product model (card-linked RBF), customer base (UK SMEs), and underwriting approach to 365 Business Finance.
- YouLend: UK revenue-based finance and merchant cash advance provider serving e-commerce and retail SMEs. Comparable because it offers card-takings-linked funding to UK small businesses via a similar transactional pricing model.
- Capify: UK and US-based merchant cash advance provider focused on small businesses. Directly comparable as an MCA specialist serving retail, hospitality, and services SMEs with similar advances up to several hundred thousand pounds.
Broad incumbents
- Square (Block, Inc.): Global payments and merchant services provider offering Square Loans and Square Capital as working-capital advances linked to card sales. Comparable because it serves SMEs with card-takings-based financing, though as part of a broader commerce platform.
- SumUp: European payment acquirer and merchant services platform offering SumUp Capital advances to its merchant base. Comparable because it extends working-capital advances tied to card volumes, leveraging an established merchant payments relationship.
- Funding Circle: UK-listed SME lending platform offering term loans to small businesses. Comparable as a UK SME-focused alternative lender, though operating via a marketplace model and longer-tenor term loans rather than card-linked advances.
- OakNorth Bank: UK specialist bank focused on lending to SMEs and property developers. Comparable as an established UK SME lender with institutional backing, though it serves larger SMEs and uses traditional term-loan structures rather than MCA.
Emerging players
- Wayflyer: Revenue-based financing provider focused on e-commerce and DTC brands. Comparable because it offers RBF repaid as a percentage of revenues, sharing the card/revenue-linked repayment structure, though skewed more toward online retailers.
- Clearco: Revenue-based financing provider serving e-commerce and SaaS businesses. Comparable as a RBF specialist offering advances repaid via a share of revenues, though focused on online-native businesses rather than the high-street SMEs that anchor 365's book.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights7 records
Customer concentration
365 Business Finance social profiles
Digital presence365 Business Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
365 Business Finance leadership team
Management profileNumber of profiles
Profiles4 records
365 Business Finance funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
365 Business 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 Business Finance
What does 365 Business Finance do?
365 Business Finance provides unsecured, revenue-based financing and merchant cash advances of up to £500,000 to UK small and medium-sized businesses. Repayments are collected as a percentage of the customer's future credit and debit card sales, aligning repayment amounts with revenue cycles. The product suite includes revenue-based finance, merchant cash advances, unsecured business loans, quick business loans, and limited-company loans, with funding decisions in 24 hours and a 90% approval rate.
Is 365 Business Finance a public or private company?
365 Business Finance is a private company. It is classified as private equity controlled and is currently operating.
When was 365 Business Finance founded?
365 Business Finance was founded in 2012. It employs 11 to 50 people.
Where is 365 Business Finance based?
365 Business Finance is headquartered in London, United Kingdom, in the Europe region.
How does 365 Business Finance make money?
One revenue line is on record: revenue-Based Finance Lending.
Who are 365 Business Finance's main competitors?
Direct peers on record are iwoca, Liberis, YouLend and Capify. Broad incumbents are Square (Block, Inc.), SumUp, Funding Circle and OakNorth Bank. Emerging players are Wayflyer and Clearco.
Does 365 Business Finance have an API?
No public API is recorded for 365 Business Finance.
What industry is 365 Business Finance in?
365 Business Finance's product category is SME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSANAIAF, Revenue-Based Financing (RBF) Providers. Its NAICS code is 522220 and its SIC code is 6153.