365 Finance business funding review
365 Finance offers revenue-based funding repaid through a share of card sales. This guide explains the published costs, eligibility and repayment structure, helping business owners understand the obligations before comparing an advance with other funding options.
By Funding Fred · Sources checked 18 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to 365 Finance. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider 365 Finance?
- Established trading businesses with a track record of consistent credit and debit card sales.
- Retail, hospitality or service businesses where a meaningful share of revenue passes through card terminals rather than invoices or cash.
- Businesses that would rather see repayments adjust with turnover than commit to a fixed monthly instalment regardless of trading conditions.
Worth weighing up
When to consider other options
- Businesses with low, irregular or seasonal card turnover that may struggle to meet the provider's minimum average monthly card sales expectation.
- Businesses that prioritise repayment certainty and would rather know the exact end date of their finance, a feature more typical of a fixed-term facility. The business loans hub explains how term structures differ across products.
- Businesses wanting to weigh unsecured revenue-based finance against secured lending before deciding; see secured business loans UK for how that route differs in structure and requirements.
Understand the offer
Costs and repayments
365 Finance's revenue-based finance product works differently from a conventional bank loan. Rather than charging interest that compounds over time, the FAQs describe a single agreed cost added to the advance at the outset. This means the total amount owed is set in advance, rather than growing the longer the facility runs.
Repayments are collected as a percentage of ongoing credit and debit card sales, not as a fixed monthly sum. In practical terms, a stronger trading month means a larger collection, and a quieter month means a smaller one. This is the defining feature of revenue-based finance: the repayment moves with the business, rather than being detached from it.
No fixed repayment term is advertised. That has a trade-off. Because the agreed cost does not increase the longer repayment takes, slower trading does not directly raise the total cost, but it does mean the facility could run for longer than initially expected. Businesses should request the full written agreement to understand how collections are calculated and what happens if card sales fall significantly.
Eligibility and application
The published FAQs state that applicants need at least six months of trading and average credit or debit card sales of at least £10,000 per month. Businesses should confirm the current documentation requirements and other underwriting criteria directly with the provider before applying.
The application process itself is not described in granular detail in public sources. Businesses considering this route should expect to provide trading and card sales evidence and should read the 365 Finance FAQs directly for the most current position, rather than relying on assumptions carried over from other finance products.
Advantages to weigh up
- The cost is fixed as a single agreed figure added to the advance, which may make total cost easier to identify upfront compared with products where interest accrues over time.
- Repayments are tied to card sales, so collections reduce automatically during slower trading periods.
- The FAQs state that no security is required, though the full agreement should still be reviewed to confirm the exact terms that apply.
Limitations to understand
- This is not a fixed-term loan. With no fixed repayment term advertised, the overall duration of the facility can be harder to predict than a traditional instalment loan.
- Eligibility depends on maintaining card sales activity at a qualifying level; a sustained drop in turnover could extend how long repayments continue.
- The absence of interest or APR language does not mean the funding is cost-free. The agreed cost still needs to be weighed against other finance options on a like-for-like basis.
Look at the wider picture
Comparing the alternatives
Comparing revenue-based finance against other UK business funding types means looking past headline speed claims and focusing on total cost, how repayments are structured, and whether security or personal guarantees are involved. A sales advance, a term loan and an asset finance agreement are not interchangeable products, even when they are marketed for similar purposes, each has a distinct repayment mechanism and risk profile.
Businesses assessing options against this product should read how the underlying structures differ before applying anywhere. The compare business loans UK guide and the wider business loans blog set out how different UK finance types are typically structured, which can help business owners ask sharper questions of any lender or provider, including 365 Finance. Full details of the provider's approach are set out on its company and business model page.
Product features checked against each provider’s UK website. These are comparison pointers, not a price ranking or a promise of eligibility.
Your 365 Finance questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on 365 Finance — Revenue-based finance. Other products may have different terms.
Sources checked 18 September 2026. Your written offer determines your actual costs and conditions.
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