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Short Term Business Loans

Flexible finance designed as an alternative to traditional bank loans.

Short Term Business Cash Advance from 365

It is often said business does not go in a straight line. The requirements of any growing business ebb and flow and at some stage during the lifecycle of any growing business there will undoubtedly be a funding requirement.

The exact nature of the requirement will vary depending on what stage the business is in, it could be to fund future growth, development and expansion, or it may be required to cover a shortfall, unexpected bill or cash flow constraints. The thought of being tied into a cycle of sustained debt is not appealing to business owners and as such short term business loans that help a business through a sticky patch but are settled in a shorter period are an attractive option.

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Do I Qualify?

Qualification for our business cash advances is simple: Contact our customer services team to see if you are eligible.

In business for at least

12 months

Monthly credit and debit card turnover of at least


Finance Academy

Explore our Finance Academy to understand all the financial acronyms and jargon, and take charge of your business’s financial success today!

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The flexible alternative to bank loans

With a short term business loan, which in a lot of cases will be paid back in under a year, the overall cost of borrowing will be less although the monthly repayments could be slightly higher as you pay back the capital or principal sum in bigger amounts.

Merchant cash advances for growth

Business owners should consider several things before deciding on a funding product, a few of which are listed below.

  1. Can my cash flow sustain the borrowing?
  2. How long do I want to take to pay the loan back?
  3. Will the borrowing help me grow my business?
  4. Is my business seasonal?
  5. Do I have poor credit?
  6. Do I have the time to engage in a lengthy application process?
  7. How quickly do I need the short rm business loan?

This type of finance can positively impact the long term performance of the business, as business owners are not locked into long term loans with fixed repayment amounts and APRs, whilst at the same time the application process is smooth simple enabling them to focus on running the business.

Benefits of unsecured business cash advance

More flexible solutions to short term business loans are available, these offer the borrower the opportunity to still pay back the borrowed amount over a shorter period but with products like a merchant cash advance the repayments mirror the cash flow of the business. Unlike a typical short term business loan that would have fixed monthly repayment terms a merchant cash advance is repaid as a percentage of the debit and credit card sales of a business. This could take the business as little as six months but would reflect the robustness of the business’s performance. When sales are good, more is repaid than when sales are poor.

Business owners need to be aware that with short term business loans or the alternative business cash advance lenders will consider affordability and the ability to pay back the principal sum over a shorter period. This is one of the primary criteria considerations and as such the business cash advance with a more considered and flexible approach to repayments, where the debit and credit card sales transactions determine the repayment amount is often the preferred solution.

A merchant cash advance program

The very nature of a short term business loan often reflects the fact that the funding requirement has come as a surprise and is unplanned. In such cases an uncomplicated application process with a swift funding turn around is often the preferred solution for the business owner.

High street banks will often require, a detailed business plan, security and will in most cases conduct robust credit checking. The application process can drag on for some time and during this period the business owner may struggle to maintain and focus on the key elements of running a successful business.

How a Merchant Cash Advance Works

A merchant cash advance is an ideal type of no credit check loan. Instead of relying on your credit score, we assess your business’ recent debit and credit card transactions to determine affordability and produce a funding offer tailored for your business. Get in touch with our team today to receive a tailored quote. The loan application process is quick and easy, and we can give you a funding decision within 24 hours. There is no need for you to provide collateral or business plans, and we only conduct a soft credit check that does not affect your credit score. From this, we’re able to make a funding decision without running a hard check that will show on your credit report. Unlike a traditional bank loan, there are no interest rates or fixed monthly payments to worry about. Instead, repayments are taken from a small percentage of your future debit and credit card payments. We don’t require any APR as there is no fixed fee, just one all-inclusive cost that’s agreed on at the start, which never changes.


Women in Credit Awards - Employer of the Year 2023
Lending Awards - Alternative Lender of The Year 2022



Women in Credit Awards - Employer of the Year 2023
Lending Awards - Alternative Lender of The Year 2022


Repayments mirror the ups and downs of your business

A business processing £10,000/month in card sales can receive an unsecured cash loan of the same amount, with no interest rates or fixed terms. Repayments are automatic and based on a small percentage of monthly card sales.

Am I eligible for a Rev&U™ cash advance?

Has your business been trading for a minimum of 6 months?

Does your business’ monthly credit and debit card sales exceed £10,000?

How much capital does your business need?

Use our calculator and see how Rev&UTM could help your business.

£60,000 Up to £400,000
1 – 3 years


funding received


for every card transaction

goes to your account

16% = £16

goes to 365 finance

A simple and secure way to finance your business

in minutes

Complete the application form. It takes less than 5 minutes!

Relationship manager

Be allocated a relationship manager to assist with any queries.

Approval under 24h

A decision will be made under 24h.

Get your cash advance in days

Funding directly into your business bank account within days

    Had funding a short while ago, we are ahead of our payments as expected and this finance package is ideal for short term lending, the rate of payback is fixed and you know exactly where you are.

    Berian Lloyd, Business owner

    Berian Lloyd, Business owner

Useful information

Finance Academy

Explore our Finance Academy to understand all the financial acronyms and jargon, and take charge of your business’s financial success today!

Explore our guides

Same Day Business Cash Advance

The flexible alternative to bank loans

Get a quote