Fast funding for your business made simple

If you need an instant loan for your business, we’re here to help. With our quick business loans, your business could receive between £5,000 and £200,000 in unsecured funding, giving you the cash you need when you need it.

Our business loans are available without credit checks, meaning you can access the cash your business needs to operate, grow and thrive even if you have bad credit.

Unlike traditional bank loans, our business quick loans have no fixed monthly payments, hidden APR or other costs. Instead, you’ll simply repay an agreed percentage of your credit and debit card sales, meaning you only pay us back when your customers pay you. 

Merchant Cash Advance:
A flexible option for businesses

If your business has a bad credit score, or if you have bad credit as an individual, taking out a conventional business loan can be almost impossible. 

Even if you are approved, a conventional business loan from a bank can take days or weeks to be approved. This means that by the time you get the cash you need to run your business, it’s often too late.

Our small business loans are processed within 24 hours, giving your business full access to the capital it needs without any delays. 

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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!

About our quick loans for businesses

At 365 Business Finance, we specialise in unsecured loans and cash advances for businesses of all types and sizes. 

Our quick loans don’t have fixed terms, hidden APR or fixed monthly payments. Instead, you’ll repay your loan over time using a small percentage of your business’s monthly debit and credit card sales.

This means that when sales are up, you’ll be able to pay off more of your loan balance. When sales are down, you’ll be able to repay a smaller amount every month, meaning there’s far less strain on your business’s cash flow.

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

Benefits of our instant business loans

Our instant loans are designed for businesses of all sizes, from small retailers, restaurants and cafés to online businesses and more. Taking out an instant business loan offers a wide range of advantages for your business:

  • You’ll be able to access instant cash to fund operations, buy new inventory, expand your business or do anything else you need to do, all without the long, slow approval process of a conventional bank loan. Our business loans are approved within 24 hours, meaning you don’t need to wait to get the cash you need to run your business.

  • You’ll be able to borrow even if you have bad credit, or no credit history. Unlike a small business loan from a bank, we offer loans with no credit checks, providing financing to small businesses with no credit and business owners with fair or poor credit scores.

  • You’ll be able to borrow without hidden APR or fixed monthly repayments. Instead, your business can pay back its loan via a small, agreed percentage of its monthly debit and credit card sales, letting you focus on running and growing your business. 

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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