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Working Capital Financing

Flexible finance designed as an alternative to traditional bank loans.

What is Working Capital?

This working capital is the cash available to the business that enables it to run its day to day affairs, it is sometimes referred to as operating capital. The true definition of working capital is typically the total amount of assets a business has minus the total amount of liabilities, and this formula is what most financial services organisations will use to determine working capital loan requirements. This formula will also influence any working capital loan terms that may be agreed upon

A few advantages of a business cash advance over a working capital loan are as follows:

  • Application for a business cash advance takes minutes but application for working capital loans for small business can take some time.
  • No security or business plan is required for a business cash advance but businesses seeking quick working capital loans may be required to provide a business plan and security.
  • Approval for a business cash advance is usually within 24 hours but owners looking for working capital loans for small business have been known to wait for weeks to get approval.
  • To get a working capital loan for a new business is a cumbersome process but 365 business finance have a 90% approval rate.
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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


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The flexible alternative to loans

One of the biggest challenges facing smaller businesses today is access to working capital. An ever-changing economic environment has meant that businesses must develop and expand to remain competitive but investing in resource and infrastructure can sometimes leave a business exposed and cash flow tight day to day.

There are different kinds of working capital loans for small business, and business owners will need to assess the exact financial requirement and ensure that any working capital loan agreement that they enter is flexible and does not put the business under any further financial pressure. Unexpected costs such as tax bills, vehicle or machinery failure or recruitment bills can impact on the cash available and negatively affect the working capital position of the business, in these circumstances a loan or cash advance can be hugely valuable.

Like most loans, working capital loan interest rates can be quite high and so it’s important that small business owners investigate thoroughly the various types of working capital loans on the market.

A good alternative to a working capital business loan is a business cash advance; its approval and funding times are as quick as working capital loans, but the repayment schedule is far more flexible as the amount funded is only prepaid when the business is paid by its customers. A merchant cash advance mirrors the cash flow of business, it has no APRs or fixed terms, and repayments mirror the transactional activity going through a business debit and credit card machines. If a business is having a good month more is paid back, and if a business is having a slower month the advance repayment is less. A small business need not be concerned with high fixed loan repayments at times when cash is tight.

Working Capital for Growth

Does your business need a traditional loan alternative?

A business cash advance offers the following benefits to businesses searching for working capital loans due to the fact they have bad credit.

Agree one, upfront all-inclusive cost that never changes.

  • Funding in days
  • One simple all-inclusive cost
  • No fixed term or fixed monthly payments
  • No admin fees
  • No APRs
  • A dedicated relationship manager
  • A simple requirement that the business has been trading for 6 months
  • A requirement that the business transacts £10,000 through its credit and debit card terminal.

Why Do I Need a Working Capital Loan?

Seasonal fluctuations and temporary dips in incoming revenue may require that the business seek out funding to help it overcome a tight period. It is important that in these circumstances flexible, fast finance is available that does not put the business under any further financial strain.

High interest rates and longer-term loans that have inflexible repayment terms may at first seem like a positive solution, but on closer inspection, its products like these that can inhibit the growth and performance of a business by putting even further pressure and strain on cash flow.

Predictable borrowing is something offered by a working capital loan, the cost of borrowing should scale with the amount of capital drawn down from the loan. If the business has no requirement for finance in a given month it need not draw on the capital available and in so doing would not incur further interest charges. Borrowing costs are therefore kept to a minimum and there is no unnecessary additional expense to the business. A business can, however, operate with confidence knowing that a line of credit is available should they require it.

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

    This is the third year we have used 365 Business for our finance needs and the scheme works very well for us. It is good to know that if we have a poor week or two then nothing would be repaid to the loan, although if we have a good week then we can automatically catch up and pay the funds back more quickly

    Carol, Business owner

    Carol, 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