Online business funding made simple

A 365 Business Finance business cash advance is an alternative funding solution for online businesses across the UK.

Unlike a traditional bank loan, there is no fixed term, APR or fixed monthly repayments.

With a merchant cash advance, you simply repay an agreed small percentage of your online credit and debit card sales, which means you only pay us back when your sell to your customers online.

Examples of using our cash advances:
  • Website development
  • Equipment upgrades
  • Monthly website running costs
  • Search Engine Optimization
  • Marketing and advertising
  • Stock purchase
  • General working capital needs
  • Expanding your product line

Am I eligible for an unsecured cash advance?

To be eligible for a merchant cash advance we ask 2 simple questions:

Has your online business been trading for a minimum of 6 months?

YesNo

Does your businesses monthly credit and/ or debit card sales exceed £5,000?

YesNo

You are eligible!

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How much capital does your business need?

Get a no-obligation quote now

£5,000 - £15,000£15,000 - £50,000£ 50,000 - £100,000Most popular£100,000+

*Your application has no affect on your credit score 

About our online business funding

Our online business funding is designed for small and mid-sized online businesses that need access to cash.

From paying for web development and hosting to managing your business’s advertising and online marketing, running a profitable online business depends on having access to steady, predictable cash flow.

With our merchant cash advance services, you can access from £5,000 to £200,000 for your online business. Unlike a traditional business loan, there’s no need to worry about minimum monthly repayments, hidden APR or other common pitfalls.

Once you’ve been approved and received your online business funding, you can use it to:

  • Increase your general working capital, letting you run your online business with confidence that you’ve got cash available to deal with unforeseen expenses.

  • Advertise your business online using Google AdWords, Facebook Ads and other advertising platforms to expand your reach, attract new customers and increase your sales revenue.

  • Purchase new inventory to expand your product line, sell more products and increase your profits.

  • Build, modify or improve your website by hiring a website designer, developer or other technical staff to strengthen your online business presence.

  • Deal with your website’s monthly running costs, from hosting and other technical expenses to salaries for any full-time and part-time staff you employ.

  • Carry out search engine optimization (SEO) to increase traffic to your website and generate more sales revenue.

How our online business funding works

From purchasing inventory to planning and launching advertising campaigns, running an online business requires consistent access to cash.

Designed specifically to meet the needs of small and medium-sized online businesses, our cash advance services allow your online business to access between £5,000 and £200,000 in instant funding.

Unlike a conventional bank loan, there’s no need to worry about fixed monthly repayments, loan terms or hidden APR. Instead, you’ll repay the cash advance over time via a small, agreed upon percentage of your online business’s credit and/or debit card sales.

This means that when business is good and your company processes a large quantity of sales transactions, you’ll pay back more of your cash advance. When business is slow, you won’t be burdened with a costly, fixed monthly payment.


From as little as £5,000 to £200,000, you can access the funding your online business needs to operate and grow.

To be eligible for an online business merchant cash advance, your business needs to process a minimum of £5,000 in credit and/or debit card sales per month. You’ll also need to have at least six months of trading history.

After applying, you’ll receive personalised assistance from a dedicated funding advisor, who’ll be available to assist you throughout the entire process. Once approved, you’ll receive the full funding amount as a lump sum payment into your business’s bank account.

To repay your merchant cash advance, you’ll simply pay a small, agreed upon percentage of your monthly credit and/or debit card sales. This means you’ll pay less when business is slow and more during busier, more profitable months.

The end result is a flexible source of funding that lets you focus on running and growing your online business.

Merchant Cash Advance:

The flexible alternative to bank loans

Get a quote

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