

Up to £100k working capital in 24 hours!
YBC 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!
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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
MERCHANT CASH ADVANCE | BANK LOAN | |
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 fees payable. |
Repayment Period | Flexible repayment period depending on your sales (typically the advances are repaid in 5 to 10 months) |
Fixed repayment period |
Repayment Amount | Flexible repayment amount depending on your business’ performance (you repay a % of your card sales) |
Fixed repayments irrespective of underlying business performance |
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 Funding? | Eligible for additional advance when 70% of the advance is repaid |
In most cases, the original advance has to be fully repaid |
Access to finance is a problem for many businesses and this modern alternative to conventional funding has helped many businesses grow within their means.
YBC Member Benefit
Up to £150 cashback on all approved cash advances.