About Us
We at 365 Finance believe in helping small and medium enterprises (SMEs) to succeed. Our revenue-based funding options are built to provide you with fast, flexible finance that’s right for your business. Our payment terms are flexible enough to meet your cash requirements, so you can grow your business without constraining yourself with tight repayment periods.
Our Story
365 Finance has been working towards a new funding model for SMEs since we started in 2012. Since most businesses struggle with traditional lenders, we created a better alternative: turning future card purchases into capital right now. We wanted to offer our customers a way to get money fast but pay it back easily, in line with their revenue stream. By purchasing a portion of their future revenue, which comes out as a small percentage of their daily card transactions, repayments could be made in line with the business’s sales, freeing up their cash flow and removing the need for minimum repayments, APRs or fixed terms. We call this ‘revenue-based financing’.
Building on our success in the UK, we are proud to expand our services across Europe, starting with Ireland, where 365 Finance Ireland now serves SMEs with the same fast, flexible revenue-based finance. Learn more at 365finance.ie.
Our Values
- Flexibility: No business is the same and our services are customised according to your income streams.
- Transparency: Our one-time cost, no fees and no surprises.
- Customer-focused Approach: From application to funding, our relationship managers will be with you every step of the way.
Why Choose 365 Finance?
- Speed: Get funding in just 24 hours so you can seize opportunities when they arrive.
- High Approval Rate: 90% approval rate — we don’t judge your business based solely on your credit history.
- Cash flow friendly: Your repayments adjust automatically update according to how much you take by card each day.
What We Offer
We specialise in revenue-based financing, sometimes known as a ‘merchant cash advance’ or just a ‘cash advance’.
We offer businesses between £10,000 and £400,000, which is paid back as a percentage of each card transaction they make.
Our technology plugs into the merchant’s card terminal so they don’t even have to think about it – repayments happen automatically.
Warren Abbey
CEO
Warren is a Chartered Accountant who started his financial career as an audit clerk for KPMG in 2009. He was later the CFO for OracleMed Health before moving to Bayport Financial Services in 2014, in charge of Business Strategy: Acquisition and Retention. He later held the position of CFO for Bayport’s operations in both Colombia and Latin America. He has extensive lending experience in competitive markets across multiple continents and joined 365 Finance as Chief Commercial Officer, before being appointed CEO in 2024, to drive product innovation, strengthen embedded finance partnerships and sustainably scale the business into new markets.
Andrew Raphaely
Founder & Director
After qualifying as a Chartered Accountant, Andrew worked in wealth advisory, asset management and hedge funds. He co-founded 365 Finance and serves as Executive Director. In his spare time, he enjoys hiking and skiing.
Raf Polatinsky
COO
After qualifying as a Chartered Accountant, Raf worked in Asset Management before joining 365 Finance in 2013 to run finance and operations. In his spare time, he enjoys football, cricket and travelling.
