Up to £100k working capital in 24 hours!
Card Merchant Cash Advance
Our Card Merchant Cash Advance is a flexible and easy alternative to bank loans. Our application process takes minutes, we don’t require security or business plans, and you will get a decision in under 24 hours.
Get between £3,500 and £100,000 of funding in days!
How it Works
With a Merchant Cash Advance, we’ll advance you between £3 500 and £100 000 for any of your business’ requirements. The advance is then repaid by paying us an agreed percentage of your credit and debit card sales (typically between 5% and 20%). You keep 100% of your cash sales. Repayments are automatically processed and hassle-free.
Because repayments are linked to your card sales, you only repay the advance when you make sales to your customers, so you pay less in quiet months, and more in better months, but importantly the total repayment amount remains the same irrespective of the length of time it takes to repay. We only get paid when you get paid.
It's that simple!
Businesses We Help
From restaurants and pubs to shops, hotels, garages and equipment hire companies, a merchant cash advance from 365 Business Finance can be used by almost any business that accepts credit and debit card payments from customers
Bank Loans vs Merchant Cash Advance
|Interest rates and fees||One clear, all-inclusive
fee for the duration of
advance. No admin
charges. No interest.
No late fees.
|Interest charged according
to the length of time
loan is outstanding.
Admin charges and late
|Repayment Period||Flexible repayment
period depending on
your sales (typically
the advances are
repaid in 5 to 10
|Repayment Amount||Flexible repayment
amount depending on
repay a % of your card
|Security required?||None||In most cases|
|Business plans required?||No||Yes|
|Pre-Approval||Within 24-48 hours||Normally weeks|
|Funding||Within Days||Normally weeks|
|Access to additional
|Eligible for additional
advance when 70% of
the advance is repaid
|In most cases, the
original advance has to
be fully repaid
YBC Member Benefit
Up to £150 cashback on all approved cash advances.