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365 Business Finance: Cashflow loan calculator

See how repayments mirror your cashflow

With our business funding, see how repayments are automatically taken as a small percentage of your card sales. This calculator demonstrates how repayments mirror the ebb and flow of your business, easing financial stress - when you have a quiet period, you simply repay less, and when business picks up, you repay more.

How much funding does your business require? *


    Estimated monthly card takings *


      These figures are estimates

      Contact us to get an accurate quote

      How our business funding can help you

      Please note, our calculators are designed for indicative use only, to help business owners understand how our Merchant Cash Advance, a flexible type of business funding, works and compares to a traditional business loan.

      The total amount repayable can also vary, depending on individual circumstances and terms.

      A Merchant Cash Advance acts like a flexible business loan, and is ideal for businesses that processes payments through a card machine (PDQ) and/or online payment system. Benefits include:

      • 90% approval rate Approval within 24 hours
      • No interest rates, APRs or fixed payments
      • No security or business plans required
      • Flexible repayments based on a small percentage of your future debit & credit card sales

      Bad credit score or poor credit history isn’t a barrier to receive funding Contact our customer services team on 0207 1000 365 to see if you are eligible or have further funding questions.

      How much capital does your business need?

      Get a no-obligation quote now

      £10,000 - £25,000£25,000 - £50,000Most popular£100,000+

      *Your application has no effect on your credit score 

      Business Cash Advance

      Your repayments follow your cashflow


      Traditional Business Loan

      Repayments DON’T follow your cashflow


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      Fantastic service

      I have used 365 Business Finance for the last three years. Fantastic service and money has always been transferred a few days from our application. They collect their money through my card machine which works great in winter months which are slower for me. Highly recommend.


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      Super quick flexible funding

      What a great alternative to the lengthy process and hoop jumping the banks were offering. Would definitely not have any hesitation in recommending this to friends and family. Thanks so much guys for your professional attitude and speedy turnaround.

      Cathy Lopez

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      100% Recommended

      Used 365 for funding earlier this year. Great process, fast response times, Alfie was a pleasure to deal with and super helpful. Easy funding! 100% Recommended

      Adam Ward

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      Quick and Flexible

      Really quick and flexible form of finance for my business. Harry supported me through the whole process and was able to answer any questions quickly. Would highly recommend.

      Hannah, Business Owner

      Traditional Business Loans Calculator

      See how a traditional business loan is repaid. Please note, this calculator is for indicative use only.


      Please note, a traditional bank loan will most likely require security, usually in the form of a tangible asset such as commercial property, stock, machinery or a vehicle. If your business becomes bankrupt or insolvent, the bank can sell the asset to recoup costs.  

      Taking out a Merchant Cash Advance with us however, does not require any security or business plans.

      In addition, opting for a secured loan with a bank  usually entails a lengthier application process, as there are due diligence processes to conduct such as valuations, legal costs and business checks. 

      With a Merchant Cash Advance, approval only takes 24 hours, and funds can be in your account within a matter of days. A dedicated relationship manager is also assigned to help guide you throughout the entire application process.

      Amount to be borrowed (£)

        Length of loan (months)

          Interest rate (%)


            These figures are estimates

            Contact us to get an accurate quote