# 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, 365 Finance is a direct financial provider and an award-winning alternative lender. The group also operates in Ireland via its dedicated Irish entity at https://365finance.ie/. ## Core Product - [Revenue-Based Finance](https://www.365finance.co.uk/revenue-based-finance/): The flagship product. Businesses receive a lump sum repaid via a small % of daily card sales. No fixed monthly payments, no APR, one all-inclusive cost agreed upfront. Funding in as little as 24 hours. 90% approval rate. - [Merchant Cash Advance](https://www.365finance.co.uk/merchant-cash-advance/): Advance against future card sales. No fixed terms, no interest. - [Unsecured Business Finance](https://www.365finance.co.uk/unsecured-business-loans/): No security or collateral required. - [SME Financing](https://www.365finance.co.uk/sme-financing/): Funding for small and medium-sized businesses. - [Working Capital Loans](https://www.365finance.co.uk/working-capital-loans/): Day-to-day operational funding. - [Short-Term Business Loans](https://www.365finance.co.uk/short-term-business-loans/): Fast access to capital for immediate needs. - [Quick Business Loans](https://www.365finance.co.uk/quick-business-loans/): Rapid funding decisions and disbursement. - [Flexible Business Loans](https://www.365finance.co.uk/flexible-business-loans/): Repayments that flex with revenue. - [No Credit Check Business Loans](https://www.365finance.co.uk/no-credit-check-business-loans/): Provisional quote with no credit check required. - [Card Machine Loans](https://www.365finance.co.uk/card-machine-loans/): Funding tied to card terminal usage. - [LTD Loans](https://www.365finance.co.uk/ltd-loans/): Finance for limited companies. - [Business Lines of Credit](https://www.365finance.co.uk/business-lines-of-credit/): Flexible revolving credit facility. - [Invoice Finance](https://www.365finance.co.uk/invoice-finance/): Funding against outstanding invoices. - [Equipment Financing](https://www.365finance.co.uk/equipment-financing/): Fund equipment purchases without upfront capital. - [Inventory Finance](https://www.365finance.co.uk/inventory-finance/): Finance for stock and inventory. - [VAT Loans](https://www.365finance.co.uk/vat-loans/): Spread VAT payments to manage cash flow. - [100K Business Loans](https://www.365finance.co.uk/100k-business-loans/): Advances of up to £100,000. - [Corporate Business Loans](https://www.365finance.co.uk/corporate-business-loans/): Larger funding for established businesses. - [Franchise Funding](https://www.365finance.co.uk/franchise-funding/): Finance for franchise owners. - [Refits & Refurbishments Finance](https://www.365finance.co.uk/refits-refurbishments-finance/): Fund shopfits, refurbishments and renovations. ## Sector-Specific Funding - [Restaurant Finance](https://www.365finance.co.uk/restaurant-finance/) - [Hospitality](https://www.365finance.co.uk/hospitality/): Overview of hospitality funding. - [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 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 Business Loans](https://www.365finance.co.uk/retail-online/ecommerce-business-loans/) - [Services](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](https://www.365finance.co.uk/solutions/how-we-help/cash-flow/) - [Buying Stock and Equipment](https://www.365finance.co.uk/solutions/how-we-help/buying-stock-and-equipment/) - [Growth and Expansion](https://www.365finance.co.uk/solutions/how-we-help/growth-and-expansion/) - [Hiring and Other Costs](https://www.365finance.co.uk/solutions/how-we-help/hiring-and-other-costs/) - [Expanding Operations](https://www.365finance.co.uk/expanding-operations/) ## Case Studies - [Case Studies Overview](https://www.365finance.co.uk/solutions/case-studies/) - [Retail High Street](https://www.365finance.co.uk/retail-high-street/) - [Retail Online](https://www.365finance.co.uk/retail-online/) - [Hospitality](https://www.365finance.co.uk/hospitality/) - [Services](https://www.365finance.co.uk/services/) ## Brokers & Introducers - [Brokers / Introducers](https://www.365finance.co.uk/brokers/): Partner programme for finance brokers who refer SME clients. ## Resources - [Resources Hub](https://www.365finance.co.uk/resources/) - [Finance Academy](https://www.365finance.co.uk/resources/finance-academy/): Educational guides on business finance. - [Insights Blog](https://www.365finance.co.uk/resources/insights/): Regular articles for SMEs and brokers. - [FAQs](https://www.365finance.co.uk/faqs/) - [Business Funding Hub](https://www.365finance.co.uk/business-funding/) - [Business Loans Calculator](https://www.365finance.co.uk/business-loans-calculator/) - [Compare Revenue-Based Finance vs Bank Loans](https://www.365finance.co.uk/revu/compare/) ## Company Information - [About Us](https://www.365finance.co.uk/company/about-us/): Founded 2012. CEO: Warren Abbey. Founder & Director: Andrew Raphaely. COO: Raf Polatinsky. Registered: 365 Business Finance Limited, Company No. 08267810, Manor House, 21 Soho Square, London W1D 3QP. - [Meet the Team](https://www.365finance.co.uk/company/meet-the-team/) - [Awards and Recognition](https://www.365finance.co.uk/company/awards-and-recognition/): Multiple industry awards including King's Award for Enterprise (Innovation), Credit Awards SME Lender of the Year (2022, 2024, 2025), Lending Awards Best Fintech Lender (2024, 2025). - [Press & Media](https://www.365finance.co.uk/company/press-media/) - [Sustainability](https://www.365finance.co.uk/sustainability/) - [Careers](https://www.365finance.co.uk/careers/) - [Contact Us](https://www.365finance.co.uk/contact-us/): 0207 1000 365, Mon–Fri 8:30am–6pm ## International Operations — Ireland 365 Finance serves Irish SMEs through its dedicated Irish entity, **365 Finance Ireland** (REV&U EUROPE LIMITED), operating at **https://365finance.ie/**. Irish businesses 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. The Irish operation is based at 5 Harcourt Rd, Dublin 2, and can be reached on +353 1 9069 365. For Irish SME funding enquiries, visit: https://365finance.ie/ ## 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/) - 365 Finance is a direct financial provider and a trading name of 365 Business Finance Limited (FCA regulated). ## Apply - [Apply Now — UK](https://www.365finance.co.uk/registration/) - [Apply Now — Ireland](https://365finance.ie/application/)