What is a Merchant Cash Advance?

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

  • No APR or fixed-monthly payments
  • Over 90% of applications approved
  • No-security or business plan required
Merchant Cash Advance:
The flexible alternative to bank loans

Raise between £5,000 and £200,000 in unsecured business funding for your business today.  Repayments on a cash advance are  based entirely on how much you transact through your card terminal  each month, so when sales are low, your repayments are smaller.

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Apply in Minutes

Use future credit and debit card salesto raise a business cash advance today.

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Get your cash advance in days

Receive a lump sum directly into your bank account.

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Watch your business grow

 Repay a small portion of your monthly credit/debit card transactions.

How a Merchant Cash Advance works with 365:

A business that processes £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 on your monthly card sales.

Flexible finance for businesses

Get a quoteIt only takes 5mins

Merchant Cash Advance - How Does it Work
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Only repay us when your customers pay you!

Merchant cash advances for growth

Does your business need a traditional loan alternative?

A 365 merchant cash advance, is a sensible funding alternative to bank loans for small businesses. Your business could borrow between £5,000 and £200,000 and repayments are designed to mirror your cash flow, so when sales are better more is repaid.

Agree one, upfront all-inclusive cost that never changes.

  • 90% approval rate
  • Approval within 24 hours
  • No APR or other hidden charges
  • No security or business plan required
  • Apply for a business cash advance online in minutes
  • Flexible repayments based on your debit & credit card sales

Benefits of unsecured business cash advance

At 365 Business Finance we offer unsecured merchant cash advances to UK SMEs. A merchant cash advance is an  alternative business funding  solution with no APR or fixed-term. Flexible monthly repayments mirror the cash flow of your business.

Repayments on our unsecured cash advances depend entirely on your companies monthly credit and debit card sales. Paying back the advance is based on your monthly card transactions.

A merchant cash advance responds to the  dilemmas commonly faced by small to medium sized  businesses in the UK that are faced with unexpected bills and cash flow challenges.

Am I eligible to receive a merchant cash advance?

  • Your business must be trading for a minimum of 6 months;
  • Minimum monthly credit and/or debit card sales of £5,000.

Flexible finance for businesses

Get a quoteIt only takes 5mins

A merchant cash advance program

Our unsecured business cash advances  provide thousands of small to medium sized UK businesses with an affordable way to access unsecured capital for expansion, development or to improve cash flow.

About 365

365 Business Finance provides business cash advances as unsecured capital funding for small to medium sized  businesses in the UK. Our finance products are designed as a fast and flexible finance solution for businesses that accept credit/and or debit sales, and are an alternative to traditional bank loans.

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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 cash advance partner and help you grow your business

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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 finance specialist who will be available at your convenience.

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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 every phone call and email is responded to efficiently and in a timely manner. We welcome your feedback and any suggestions you may have.

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

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We will always be transparent in our dealings with you. Our fee is clearly disclosed upfront and there are no hidden costs, admin fees or extras.

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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 any data you provide to us remains confidential.

A cash advance could be in your account in today!

Get a no-obligation quote now!

Get a quote

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Frequently Asked Questions View All

Our merchant cash advances are designed as a quick and easy business funding solution, for small businesses looking to raise between £5,000 and £200,000 for your business. Unlike a regular loan, there are no fixed weekly or monthly payments. You simply pay back a small percentage of your credit and debit card sales, which means that you only pay us back when you sell to your customers.

So if you’re having a quiet month, your repayments automatically reduce, which helps you manage your cash flow.

There is an all-inclusive cost that gets added to the advance, so there are no interest charges, APR’s or late fees.

  • Apply in minutes
  • 90% approval rate
  • Approval within 24 hours
  • No security or business plans required
  • Flexible repayments based on your card sales
  • One simple all inclusive cost, that never changes, agreed upfront

We understand that as business owners and entrepreneurs, your time is important and you need quick answers so that you can focus on your core business.

That’s why we've designed our business cash advances funding process to be fast, simple and hassle-free. We don’t require business plans or security for our alternative cash finance, and your advance will be approved in under 24 hours. The processing of the repayments happens automatically so there is no disruption to your business.

Best of all, it’s a cash flow friendly solution for your business designed to match your business performance, so you pay us back when you sell to your customers.

Unlike regular bank loans, there are no fixed weekly or monthly repayments on a merchant cash advance with 365. You simply pay back a small percentage of your credit and debit card sales, which means that you only pay us back when you sell to your customers.

So when sales are down, the repayment amount is also low which helps you manage your cash flow, especially during quiet months. Instead of charging you interest on the advance based on the length of time it is outstanding, there is a single, all-inclusive cost added to the advance, so there are no APR’s or late fees.

Best of all, the application process is much simpler than for a regular bank loan, and your advance will be approved in 24 hours and you can have the funds in your bank account within days.

See the comparison between our unsecured business cash advances and a traditional bank loan, here.

Click the “Get a quote” button for a no-obligation quote on a merchant cash advance.

Alternatively you can email us oninfo@365businessfinance.co.ukor call0207 1000 365to speak with one of our representatives.

  • You have been in business for at least 12 months
  • Your average credit and/or debit cards sales during this period are at least £5,000 per month.

Alternatively you can email us oninfo@365businessfinance.co.ukor call0207 1000 365to speak with one of our representatives.

Our cash advances range from a minimum of £5,000 up to a maximum of £200,000, in unsecured capital funding.

Our maximum advance size depends on your average monthly credit and/or debit card sales. Typically we can offer up to 100% of your monthly card takings. Should you require more, please call our office for a bespoke quote to match your needs.

Unlike a regular bank loan, there are no interest charges or APR’s on an unsecured merchant cash advance with 365. You pay a single, all-inclusive cost, which gets added to the cash advance and remains the same irrespective of the length of time it takes to repay.

There are no application fees, admin charges or hidden extras.

Contact our customer service team for a no-obligation quote on our quick business loans. 

You repay a small, agreed portion of your credit and debit card sales, which then reduces the balance outstanding on one of our.

So if you are having a quiet month, the repayment amount is also low which helps you manage your cash flow. There is no term on the product, so there are no additional charges if the advance takes longer than expected to repay.

You simply pay back a small, pre-agreed portion of your credit and debit card sales, so the exact length of time it takes to pay back a merchant cash advance depends on when you make sales to your customers. There are no fixed weekly or monthly payments.

No security is required for our unsecured merchant cash advances. To find out more information, readhere.

Yes, we provide ongoing cash advances for small to medium UK businesses.

Our merchant cash advances are fully flexible, so you can always apply for additional funding elsewhere.

We partner with a number of financial brokers and introducers to help their clients secure unsecured funding for their businesses, through an unsecured business cash advance.

We offer training to help you understand our products and gain access to co-branded materials, a dedicated broker contact and a competitive commission scheme.

So contact us on brokers@365businessfinance.co.uk or 0207 1000 365 to find out more about our broker referral scheme.

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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