Business Cash Flow Loans

Securing a small business cash flow loan with 365 Finance is designed to be as effortless as possible. Here’s how it works:

1. Apply Online – Fill in our online application form, which should take you less than 5 minutes. 
2. Wait For A Decision – We’re able to provide a decision within 24 hours in most cases, with no obligation and no impact on your credit score.
3. Get Approved – If you’d like to move forward with the loan, accept our quote, and we’ll get things started.
4. Receive Your Funds – We make sure your funds are made available swiftly so you can start using them straight away.

We understand that one size doesn’t fit all for SMEs. That’s why, unlike traditional banks, our loans are designed specifically to suit the flow of your business throughout the year. 

With seasonal fluctuations and unpredictable expenses causing roadblocks for even the most resilient businesses, bank loans may not always be the right choice. Our business cash flow lending aligns with your unique rhythm, providing a repayment schedule that matches your cash flow cycle. Our customers find this a much better option than the strict monthly demands and minimum payment requirements you’d get with traditional bank loans. 

So, if you’re experiencing a slower month, your repayments naturally decrease – it’s as simple and sensible as that.

We’ve also streamlined the approval process with speed and accessibility in mind. Thanks to our new AI underwriting tools, we can now approve loan applications faster than ever before, often within 24 hours, so you can bypass the lengthy processes of traditional lenders.

We’ve empowered thousands of SMEs across the UK with flexible business loans. If you’re wondering whether you’d be eligible for a cashflow loan, answer the following questions:

• Is your business based in the UK?
• Has your business been trading for a minimum of 6 months?
• Do your monthly credit and debit card sales exceed £10,000?

If you answered ‘yes’ to all the questions above, great news, you’re eligible to apply.

If you answered ‘no’ to any of the above, you can request a callback where you can discuss your situation in more detail with one of our experts.

Since many small businesses have trouble accessing funds via traditional lenders, cash flow loans are becoming a much more popular route.

Bank loans often come with fixed monthly repayments and a lengthy application process, which can leave you feeling even more stressed than your cash flow issues did.

Cash flow loans, on the other hand, are much less stressful. We approve 90% of applications and design a repayment schedule that mirrors the ups and downs of your business. It means that, during your peak sales months you’ll end up paying a little bit more, but during slow months, your repayments will be lower.

1. What is a business cash flow loan?
   Business cash flow loans turn your future card purchases into capital. Essentially, you’re purchasing a portion of your future revenue, which comes out as a small percentage of your daily card transactions. This way, your repayments match the ups and downs of your business rather than being fixed to a certain amount.
2. How much can businesses borrow?
   We offer businesses between £10,000 and £500,000. The amount you can borrow is determined based on your average monthly card revenue. Typically, we’ll offer up to 125% of monthly card turnover.
3. How do repayments work?
   Our technology plugs into your card terminal so repayments happen automatically – when you get paid, so does your loan. Each payment is interest-free, as we charge a one-off transparent fee at the inception, which won’t change throughout the term of the product. There’s also no minimum repayments, APRs or fixed terms.
4. Who is eligible?
   If your company is based in the UK, has been operating for a minimum of 6 months and has a monthly credit and debit card turnover of more than £10,000, you’re eligible to apply.
5. How quickly can funds be accessed?
   We know that small businesses can’t afford to wait for lengthy funding approvals. That’s why we promise to deposit funds as quickly as we can. To expedite our funding, we now use our AI underwriting platform, which allows us to make an offer within 24 hours.

Don’t let cash flow roadblocks stall your progress. Business cash flow loans keep you moving in the right direction, so you can hit your goals.