What is a Merchant Cash Advance?

The fast and flexible way to raise capital for your business, today.

  • No APR or fixed-monthly payments
  • Over 90% of applications approved
  • No-security or business plan required
Business Growth Funding

A merchant cash advance with 365 business finance, is a flexible business funding option. Providing small to medium UK businesses, with an alternative finance solution to traditional bank loans and other finance solutions.

Unlike most business funding providers in the UK, our merchant cash advances require no security or business plans, with repayments based entirely on your monthly credit and debit card sales, in comparison to most business funding sources currently on the market. As an alternative business funding growth solution, our unsecured cash advances of up to £200,000 have enabled thousands of small UK businesses to utilize business funding for growth, to expand, carry out renovations and much more. 

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Apply online in minutes

Use your future debit and credit card sales as a source of business funding.

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Get your small business funding in days

Receive a lump sum directly into your bank account to use as business funding for growth.

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Watch your business grow

Repay your business cash advance via a small portion of your monthly credit/debit card transactions.

How it works: unsecured business funding

A small business processing £10,000 per month in credit and debit card sales, is eligible to receive £10,000 in an unsecured business cash advance with no APR or fixed terms, and repayments based entirely on monthly earnings.

Flexible finance for small businesses

Get a quoteIt only takes 5mins

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Only repay us when your customers pay you!

Unsecured cash advances: Business funding for growth

A 365 cash advance, is a flexible, alternative business funding solution to the traditional business loan.

We are official providers of fast and flexible business funding solution, designed as sensible alternatives to traditional bank loans and overdrafts. As unlike most common business funding sources, repayments on our business cash advance solutions, are based entirely on your monthly credit and debit card sales, allowing you to borrow between £5000 and £200,000 in business funding for growth, on terms that suit your business requirements. 


  • No APR, fixed terms or hidden funding charges
  • Apply for alternative business finance in minutes
  • A Business funding company with a 90% approval rate
  • Most business funding options approved within 24 hours
  • A flexible business funding solution based your on card sales
  • Unlike other business funding providers: NO security or Business plan is required

Funding for small businesses

Our unsecured business funding solution, the merchant cash advance, is designed specifically for small to medium sized UK businesses, in need capital ranging from £5000 to £200,000, in unsecured finance. Featuring no APR or fixed-terms and flexible monthly repayments based entirely on your credit and debit card transactions - only pay us back when you earn!

Choose an alternative business funding solution to traditional bank loans and overdrafts, designed specifically for small businesses that require unsecured capital to carry out rennovations, improve cash flow and much more.

Will I Qualify For Business Funding?

  • Minimum monthly credit/debit card sales of £5000
  • Your Business must be trading for a minimum of 6 months.

Flexible finance for small businesses

Get a quoteIt only takes 5mins

Business funding for growth solutions

Our merchant cash advances have helped thousands of small businesses in the UK, to secure alternative small business funding for growth, expansion and development. Featuring flexible repayments, no APR or fixed terms.

About 365

365 business finance ltd, official providers of merchant cash advances to small businesses in the UK. Our business funding solutions are designed as a flexible alternative to traditional bank loans, offering up to £200,000 in unsecured capital.

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We will be your business cash advance partner and help you grow your business.

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We will be your business funding partner and help you grow through unsecured business finance.

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We will be your business cash advance partner and help you grow your business.

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Each customer is assigned a senior business funding specialist.

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We will be your business cash advance partner and help you grow your business.

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We respond to your funding enquiry in a timely manner and welcome your feedback.

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We will be your business cash advance partner and help you grow your business.

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Our business funding fees are clearly disclosed and there are no hidden extras or admin charges with 365 Business finance.

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We will be your business cash advance partner and help you grow your business.

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We ensure that all of your data remains strictly confidential.

Your funding could be in your account in 15 minutes!

Get a no-obligation quote now!

Get a quote

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Frequently Asked Questions View All

Business funding is the provision of a loan or a business cash advance to grow and develop a business. There are different kinds of business funding solutions and products that suit different kinds of funding requirements.

Whether the business funding is for growth or to take care of an unexpected expense both small business and large business in the UK will require finance to grow.

Business funding is the provision of a loan or a business cash advance to grow and develop a business. There are different kinds of business funding solutions and products that suit different kinds of funding requirements.

Whether the business funding is for growth or to take care of an unexpected expense both small business and large business in the UK will require finance to grow.

Business funding is the provision of a loan or a business cash advance to grow and develop a business. There are different kinds of business funding solutions and products that suit different kinds of funding requirements.

Whether the business funding is for growth or to take care of an unexpected expense both small business and large business in the UK will require finance to grow.

An unsecured cash advance is a form of funding the growth of your business without the risk of having to provide security. An unsecured cash advance usually requires the business to be generating a minimum amount via credit and debit card terminals.

This type of funding mirrors the sales of the business and as such puts no pressure on cash flow, which in most cases means security will not be required. This alternative business funding solution is often preferred by small businesses in the UK, as business owners are personally not liable should the business fail.

The answer to the above will depend on the source of your , or your chosen business funding solution. In some cases, a lender may require security and wish to look at your business plan. Some financial institutions will have a thorough look at your credit file and consider your credit history.

Should you choose to fund your business with a , very often no security or business plan is required, but credit history is considered. A cash advance will in most circumstances require you to be transacting with a credit or debit card terminal and be generating a minimum amount of revenue through these terminals.

Alternative business funding in the UK does exist for businesses with poor or bad credit history.  Small businesses who have previously had financial difficulty do have recourse to business funding sources but may be required to provide security or a business plan.

There are products on the market which differ from bank loans in that the repayments mirror sales and as such there are no associated APR or late payment fees. These alternative finance solutions known as , place far less pressure on cash flow and as such may be easier to procure than a bank loan.

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See why more businesses are turning to a merchant

cash advance as a sensible alternative to bank loans.

Get a no-obligation quote now!

Get a quote

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