365 Business Finance, also trading as 365 Finance and registered under Companies House number 08267810 is a direct lender based in the UK. The provider specialises in funding models where repayment is directly tied to sales performance, making it particularly suited to high-street firms, retail outlets, and hospitality businesses that experience seasonal income fluctuations.
Business Finance Products Offered
365 Business Finance functions as a direct lender providing specialised commercial funding solutions. Its primary emphasis is on revenue-based finance models where repayments naturally adjust according to incoming revenue streams.
The key products offered by 365 Business Finance include:
Merchant Cash Advance: This is the core specialism of 365 Business Finance. A merchant cash advance allows businesses that accept card payments to access capital that is repaid automatically as a small percentage of daily card transactions.
Revenue-Based Finance: Similar to a cash advance, this funding mechanism aligns repayments directly with overall sales performance, ensuring that businesses pay more during peak periods and less during slower trading periods.
To explore funding options across the wider market, you can learn more about Merchant Cash Advance solutions and traditional Business Loans through SME Money.
Who 365 Business Finance Suits
365 Business Finance caters primarily to UK retail, hospitality, and trade businesses. Because its repayment structures revolve around card terminal sales or daily incoming revenues, it is particularly suitable for high-street businesses with seasonal income. For instance, a seasonal restaurant or retail store can benefit from lower daily repayments during off-peak months when sales volume drops.
The lender accepts various legal business structures, funding:
Sole traders
Partnerships
Limited companies (Ltd)
To qualify for funding, businesses typically need to take at least £10,000 monthly in card sales.
Eligibility and Deal Sizes
When considering 365 Business Finance, business owners should review the operational boundaries and key financial criteria set by the lender. The provider operates within specific deal sizes designed to accommodate small to medium-sized enterprises across the UK.
Minimum Deal Size: £10,000
Maximum Deal Size: £500,000
Monthly Sales Threshold: A minimum of £10,000 in monthly card transactions
Eligible Entity Types: Sole traders, partnerships, and limited companies
Accolades: The provider received the King's Award for Enterprise in 2024.
Key Facts Summary
Below is a summary table detailing the core information and product specifications for 365 Business Finance.
Feature / Detail | Specification |
|---|---|
Provider Name | 365 Business Finance (Trades as 365 Finance) |
Entity Type | Direct Lender |
Companies House Number | 08267810 |
Former Names | High Street Capital Limited, Brent Street Limited |
Minimum Deal Size | £10,000 |
Maximum Deal Size | £500,000 |
Target Sectors | UK retail, hospitality, trade, and high-street businesses |
Monthly Sales Criteria | £10,000 or more in card sales |
Primary Products | Merchant Cash Advance, Revenue-Based Finance, |
Sole Trader Eligibility | Yes |
Access Method | Direct via provider website (https://www.365finance.co.uk/) |
How to Access 365 Business Finance
365 Business Finance is accessed directly by applicant businesses via its official website at https://www.365finance.co.uk/. Business owners can submit an application directly to the lender online to provide details about their daily card sales and trading history for review.
Comparing Funding Options with SME Money
While applying directly to a single lender like 365 Business Finance is one route, it is important to ensure you secure the most suitable terms available for your enterprise. SME Money connects UK businesses with specialist brokers who search over 100 lenders to find the right funding without the bias of a single bank.
Working with an independent broker allows you to compare alternative merchant cash advances, business loans, and flexible working capital facilities side by side. This ensures that whether you choose revenue-based funding or a traditional commercial loan, your business secures terms matched to your specific cash flow requirements.