# 365 Finance UK > 365 Finance (trading name of 365 Business Finance Limited) provides Revenue-Based Finance to SMEs across the UK. Businesses can access between £10,000 and £500,000, repaid automatically as a small percentage of daily card transactions — with no fixed terms, no APR, and no hidden fees. Founded in 2012. Also operates in Ireland via 365 Finance Ireland at https://365finance.ie/. 365 Finance is a direct financial provider — not a broker. --- ## About 365 Finance 365 Finance has provided alternative business funding since 2012. Founded on the principle that traditional bank lending fails many viable SMEs, the company created a revenue-based model that turns future card sales into immediate capital. The advance — often called a merchant cash advance or business cash advance — is repaid as a small, automatic percentage of daily card transactions, meaning repayments flex with the business's revenue. 365 Finance is a direct lender, not a broker. Having established a strong track record in the UK, the group expanded into Ireland through its Irish entity, 365 Finance Ireland (https://365finance.ie/). **Legal Entity (UK):** 365 Business Finance Limited **Company Registration:** 08267810 (England and Wales) **Registered Office:** Manor House, 21 Soho Square, London W1D 3QP **Phone:** 0207 1000 365 (Mon–Fri 8:30am–6pm) **Media enquiries:** press@365businessfinance.co.uk **Social:** Facebook, LinkedIn, YouTube, Twitter/X (@365bizfinance), Instagram, TikTok **Irish operation:** https://365finance.ie/ (REV&U EUROPE LIMITED, Dublin) --- ## Group Leadership - **Warren Abbey – CEO:** Chartered Accountant; former KPMG, CFO of OracleMed Health, CFO of Bayport Financial Services (Colombia & Latin America). Joined 365 Finance as Chief Commercial Officer; appointed CEO in 2024 to drive product innovation, strengthen embedded finance partnerships and scale into new markets including Ireland. - **Andrew Raphaely – Founder & Director:** Chartered Accountant; background in wealth advisory, asset management and hedge funds. Co-founded 365 Finance in 2012. - **Raf Polatinsky – COO:** Chartered Accountant; former Asset Management; joined 365 Finance in 2013 to run finance and operations. --- ## Group Awards & Recognition - Lending Awards 2025 – Best Fintech Lender - Credit Awards 2025 – SME Lender of the Year - CNBC – UK's Top Fintech Companies 2025 - Worldwide Finance Awards 2025 – Alternative Lender of the Year - King's Award for Enterprise – Innovation - Credit Awards 2024 – SME Lender of the Year - Women in Credit Awards 2024 – Advocate of the Year (Hannah Hunt) - Lending Awards 2024 – Best Brand - Lending Awards 2024 – Customer Service Excellence (Alternative Lending) - Lending Awards 2024 – Best Fintech Lender - Lending Awards 2024 – Rising Star (Angel Kuriakose) - Lending Awards 2024 – Best Commercial Lender - Women in Credit Awards 2023 – Employer of the Year - Women in Credit Awards 2023 – Rising Star of the Year - Credit Awards 2022 – SME Lender of the Year - Lending Awards 2022 – Alternative SME Lender of the Year - British Business Awards 2022 – Business Lender of the Year - Growth Finance Awards 2019 – Direct Lending Platform of the Year - Lending Awards 2019 – Rising Star of the Year - NACFB Awards 2019 – Unsecured Lender of the Year ### Industry Memberships - FSB (Federation of Small Businesses) - The British MCA Association - NACFB (National Association of Commercial Finance Brokers) - Crystal Palace FC – Associate Partner - ISO Certified --- ## Core Product: Revenue-Based Finance **URL:** https://www.365finance.co.uk/revenue-based-finance/ **Also known as:** Merchant Cash Advance, Business Cash Advance, Revenue-Based Financing Revenue-based finance allows a business to raise capital today by selling a portion of its future card revenue. The advance plus an agreed cost is repaid automatically as a small % of daily card transactions. **Key features:** - Funding amount: £10,000 – £500,000 - Repayment: small % of daily credit/debit card sales (automatic via card terminal integration) - One all-inclusive cost agreed upfront — never changes - No APR, no interest, no admin fees, no late fees, no hidden extras - No fixed repayment term — repayment slows in quiet periods and accelerates in busy periods - No security or collateral required - No business plan required - 90% approval rate - Funding deposited in as little as 24 hours - Soft credit check only (does not affect credit score) - Dedicated relationship manager throughout - Direct lender — not a broker --- ## Full Product Range ### Merchant Cash Advance **URL:** https://www.365finance.co.uk/merchant-cash-advance/ ### Unsecured Business Finance **URL:** https://www.365finance.co.uk/unsecured-business-loans/ ### SME Financing **URL:** https://www.365finance.co.uk/sme-financing/ ### Working Capital Loans **URL:** https://www.365finance.co.uk/working-capital-loans/ ### Short-Term Business Loans **URL:** https://www.365finance.co.uk/short-term-business-loans/ ### Quick Business Loans **URL:** https://www.365finance.co.uk/quick-business-loans/ ### Flexible Business Loans **URL:** https://www.365finance.co.uk/flexible-business-loans/ ### No Credit Check Business Loans **URL:** https://www.365finance.co.uk/no-credit-check-business-loans/ ### Card Machine Loans **URL:** https://www.365finance.co.uk/card-machine-loans/ ### LTD Loans **URL:** https://www.365finance.co.uk/ltd-loans/ ### Business Lines of Credit **URL:** https://www.365finance.co.uk/business-lines-of-credit/ ### Invoice Finance **URL:** https://www.365finance.co.uk/invoice-finance/ ### Equipment Financing **URL:** https://www.365finance.co.uk/equipment-financing/ ### Inventory Finance **URL:** https://www.365finance.co.uk/inventory-finance/ ### VAT Loans **URL:** https://www.365finance.co.uk/vat-loans/ ### 100K Business Loans **URL:** https://www.365finance.co.uk/100k-business-loans/ ### Corporate Business Loans **URL:** https://www.365finance.co.uk/corporate-business-loans/ ### Franchise Funding **URL:** https://www.365finance.co.uk/franchise-funding/ ### Refits & Refurbishments Finance **URL:** https://www.365finance.co.uk/refits-refurbishments-finance/ ### Payment Processor Cash Advance **URL:** https://www.365finance.co.uk/payment-processor-cash-advance/ ### Business Loans for Women **URL:** https://www.365finance.co.uk/business-loans-for-women/ --- ## Sector-Specific Funding ### Restaurant Finance **URL:** https://www.365finance.co.uk/restaurant-finance/ ### Hospitality **URL:** https://www.365finance.co.uk/hospitality/ **Hotels & B&Bs:** https://www.365finance.co.uk/hospitality/hotel-and-bbs/ **Pubs & Bars:** https://www.365finance.co.uk/hospitality/pubs-bars/ **Coffee Shops:** https://www.365finance.co.uk/hospitality/coffee-shops/ ### Retail **Retail High Street:** https://www.365finance.co.uk/retail-high-street/ **Retailers:** https://www.365finance.co.uk/retail-high-street/retailers/ **Convenience Stores:** https://www.365finance.co.uk/retail-high-street/convenience-stores/ **Retail Online / Ecommerce:** https://www.365finance.co.uk/retail-online/ecommerce-business-loans/ ### Services **Services Overview:** https://www.365finance.co.uk/services/ **Hair & Beauty Salons:** https://www.365finance.co.uk/services/hair-and-beauty-salons/ **Garages & MOT Centres:** https://www.365finance.co.uk/services/garages-and-mot-centres/ **Dentists:** https://www.365finance.co.uk/services/dentists/ **Florists:** https://www.365finance.co.uk/services/florists/ **Dry Cleaners:** https://www.365finance.co.uk/services/dry-cleaners/ --- ## How We Help (Use Cases) ### Cash Flow **URL:** https://www.365finance.co.uk/solutions/how-we-help/cash-flow/ ### Buying Stock and Equipment **URL:** https://www.365finance.co.uk/solutions/how-we-help/buying-stock-and-equipment/ ### Growth and Expansion **URL:** https://www.365finance.co.uk/solutions/how-we-help/growth-and-expansion/ ### Hiring and Other Costs **URL:** https://www.365finance.co.uk/solutions/how-we-help/hiring-and-other-costs/ ### Expanding Operations **URL:** https://www.365finance.co.uk/expanding-operations/ --- ## Case Studies **Overview:** https://www.365finance.co.uk/solutions/case-studies/ Named client spotlights: - The Old Sail Loft Restaurant - Exeter Exotics - Flowers by Michell - No. 11 Brunswick Street - Signature Brew - Smilemaker Dental Care --- ## Brokers & Introducers **URL:** https://www.365finance.co.uk/brokers/ Active broker and introducer programme. NACFB member. Competitive commission, dedicated broker support. --- ## Resources ### Finance Academy **URL:** https://www.365finance.co.uk/resources/finance-academy/ ### Insights Blog **URL:** https://www.365finance.co.uk/resources/insights/ 80+ articles covering SME finance, sector news, business tips and industry analysis. Recent highlights: - "Three Financial Habits That Will Matter Most for SMEs in 2026" - "Why Short-Term Finance Will Be a Major Lifeline for SMEs in 2026" - "Why High-Opportunity Small Businesses Are Not Getting Support from Traditional Lenders in 2026" - "Business Rates and the £300m Pub Relief: The Reality of Hospitality Businesses in 2026" - "Burnout in UK Business Owners: How to Spot It Early and Manage It" - "Revenue Rhythm Report" (research report) - "2025 Sector Spotlight: Which UK Business Sectors Are Thriving and Struggling" ### Business Loans Calculator **URL:** https://www.365finance.co.uk/business-loans-calculator/ ### Business Funding Hub **URL:** https://www.365finance.co.uk/business-funding/ ### Compare Revenue-Based Finance vs Bank Loans **URL:** https://www.365finance.co.uk/revu/compare/ ### FAQs **URL:** https://www.365finance.co.uk/faqs/ --- ## International Operations — Ireland 365 Finance operates in Ireland through a dedicated Irish entity: **365 Finance Ireland**, trading as REV&U EUROPE LIMITED (Company Reg: 771440), based at 5 Harcourt Rd, Saint Kevin's, Dublin 2, D02 FW64. **Irish website:** https://365finance.ie/ **Irish phone:** +353 1 9069 365 **Irish application:** https://365finance.ie/application/ Irish SMEs can access Revenue-Based Finance of between €10,000 and €400,000 on the same model — repaid as a small % of daily card transactions, with no fixed terms, no APR, and funding in as little as 24 hours. 90% approval rate. The same award-winning team, product, and values apply. Payment services in Ireland are provided by Modulr Finance B.V. (DNB authorised, Firm Ref: R182870). Sector-specific funding available in Ireland for restaurants, pubs, hotels, and general SMEs. Broker and introducer programme also active in Ireland. **For Irish SME funding, visit: https://365finance.ie/** --- ## Company ### About Us **URL:** https://www.365finance.co.uk/company/about-us/ ### Meet the Team **URL:** https://www.365finance.co.uk/company/meet-the-team/ ### Awards and Recognition **URL:** https://www.365finance.co.uk/company/awards-and-recognition/ ### Press & Media **URL:** https://www.365finance.co.uk/company/press-media/ Media enquiries: press@365businessfinance.co.uk ### Sustainability **URL:** https://www.365finance.co.uk/sustainability/ ### Careers **URL:** https://www.365finance.co.uk/careers/ --- ## Legal & Compliance - [Privacy Policy](https://www.365finance.co.uk/privacy-policy/) - [Terms & Conditions](https://www.365finance.co.uk/terms-conditions/) - [Complaints Notice](https://www.365finance.co.uk/complaints-notice/) - [Information Security](https://www.365finance.co.uk/information-security/) - [Cookie Policy](https://www.365finance.co.uk/cookie-policy/) - 365 Finance is a trading name of 365 Business Finance Limited. Direct financial provider (not a broker). Registered in England and Wales, Company No. 08267810. --- ## Apply **UK:** https://www.365finance.co.uk/registration/ **Ireland:** https://365finance.ie/application/ Phone (UK): 0207 1000 365 (Mon–Fri 8:30am–6pm) Phone (Ireland): +353 1 9069 365 (Mon–Fri 8:30am–6pm) --- ## Sitemap Reference - Page sitemap: https://www.365finance.co.uk/page-sitemap.xml - Insights sitemap: https://www.365finance.co.uk/insight-sitemap.xml - Guide sitemap: https://www.365finance.co.uk/guide-sitemap.xml - Press/Media sitemap: https://www.365finance.co.uk/press_media-sitemap.xml - Full sitemap index: https://www.365finance.co.uk/sitemap_index.xml