How does a Merchant Cash Advance Work?

A merchant cash advance is a fast, simple way of raising between £5,000 and £200,000 for your business, with repayments taken as a small percentage of your card sales – so you only pay back when your customers pay you. The key benefits are:

  • - Quick application process
  • - 90% approval rate
  • - Flexible payments taken as part of your card sales
  • - One fixed fee. No admin fees, APRs other costs
  • - No fixed terms or monthly payments

365 Business Finance is the top-rated merchant cash advance provider in the UK, with an outstanding customer relationship team who will take you through every step of the process.

Who do we fund?

We provide funding for any businesses that take at least £5,000 per month in credit/debit card sales. Typical businesses include pubs, bars, restaurants, shops, cafes, salons, MOT garages and online businesses. To be eligible for an advance, your business must have been trading for at least six months.

What can the funding be used for?

Funding can be used for any purpose! Whether you need to buy stock, expand your premises, hire new staff or simply to keep on top of cashflow, a merchant cash advance offer a flexible solution to your funding needs.


”The customer service I received was second to none. The process was very quick and easy and everything was explained clearly every step of the way.” Joanne - Bar owner

“365 are a superb company to work with. The process is slick, the repayment method easy to understand and it also fits with our business model.” Carl – Shop owner

Available loan types

Request Merchant Cash Advance