365 Finance Alternatives

This guide lists five UK focused alternatives to 365 Finance, so buyers can compare speed, eligibility, products, and pricing before applying. Data was generated on 2025-11-27T18:55:09Z; always confirm current terms with the provider.

Quick Compare:

1. YouLend

YouLend offers revenue-based financing tailored for SMEs seeking quick access to capital. Their flexible options allow repayment through a fixed percentage of daily sales, suitable for businesses aiming for speed and simplicity. The service is designed to be fast and non-collateralised, with approval often within 48 hours.

Loan and pricing details

• Min amount: £3,000
• Max amount: £1,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: Repayment through daily sales percentage

Funding range note: From £3,000 to £1,000,000

Speed: Funding in as little as 48 hours

Interest rate notes: No interest is charged; a fixed fee is agreed upfront.

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Flexible based on sales

Personal guarantee: No personal guarantees required.

Homeowner advantage: No specific advantage for homeowners.

Services and sectors

• Products: merchant_cash_advance
• Industries: Retail, Food and Beverage, Hospitality

Best for

• Startups
• Businesses with fluctuating income
• Fast funding needs

Pros

• No interest rates
• Fast turnaround
• Flexible repayment

Cons

• Can be expensive if sales drop

Sources: https://www.youlend.com/ https://www.iwoca.co.uk/lenders/youlend-loan

2. Liberis

Liberis provides revenue-based financing solutions with repayments made via card transactions. Their focus is on offering flexible funding that adapts to business sales patterns. The service is known for quick approval and a straightforward, fixed-cost structure based on revenue.

Loan and pricing details

• Min amount: Unknown
• Max amount: Unknown
• APR min: Unknown
• APR max: Unknown
• Loan durations: Repayment through card transactions

Funding range note: Unknown

Speed: Applications approved within days

Interest rate notes: No APR; simple fixed cost based on revenue.

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: High approval rate

Personal guarantee: Not required.

Homeowner advantage: No advantage.

Services and sectors

• Products: revenue-based financing
• Industries: Retail, Service industry

Best for

• Small businesses
• Flexible repayment needs

Pros

• High approval rate
• Flexible repayment

Cons

• Repayments vary with sales volume

Sources: https://www.liberis.com/ https://freepricecompare.com/compare-business-loans/liberis/

3. Capify

Capify supplies a range of financing options including small business loans and merchant cash advances. Their service targets franchise buyers, property purchases, and working capital needs with flexible and fast options. They are known for quick approval and varied security options.

Loan and pricing details

• Min amount: £5,000
• Max amount: £500,000
• APR min: 68%
• APR max: Unknown
• Loan durations: 3 to 12 months

Funding range note: From £5,000 to £500,000

Speed: Same-day funding available

Interest rate notes: High APR at 67.89% for certain loans.

Eligibility

• Min trading months: 6
• Min monthly turnover: £10,000
• Credit flexibility: Moderate

Personal guarantee: Commonly required.

Homeowner advantage: Beneficial for securing better terms.

Services and sectors

• Products: term_loan, merchant_cash_advance
• Industries: Retail, Hospitality, Professional services

Best for

• SMEs needing quick capital
• Businesses without collateral

Pros

• Fast funding
• Flexible options

Cons

• High interest rates

Sources: https://www.capify.co.uk/ https://www.iwoca.co.uk/lenders/capify-business-loans

4. Momenta Finance

Momenta Finance focuses on providing tailored business loans for SMEs. It offers flexible repayment options and competitive interest rates, with a focus on quick approvals for various loan sizes. The provider suits those seeking customised finance solutions rapidly.

Loan and pricing details

• Min amount: £50,000
• Max amount: £350,000
• APR min: 7.5%
• APR max: Unknown
• Loan durations: 6 to 72 months

Funding range note: £50,000 to £350,000

Speed: Decision in days, funds soon after

Interest rate notes: Variable rates starting at SONIA+7.5% p.a.

Eligibility

• Min trading months: 12
• Min monthly turnover: £5,000
• Credit flexibility: Flexibility based on engagement

Personal guarantee: Typically required depending on loan size.

Homeowner advantage: Can lead to more favorable rates.

Services and sectors

• Products: term_loan
• Industries: Manufacturing, Technology, Construction

Best for

• SMEs seeking tailored solutions
• Competitive rates

Pros

• Competitive rates
• Custom solutions

Cons

• Longer application process

Sources: https://momentafinance.co.uk/ https://momentafinance.co.uk/unlock-lower-business-loan-rates-for-your-clients/

5. Nucleus

Nucleus offers business loans geared towards SMEs for various purposes including unsecured and secured funding. They provide flexible repayment options and specialise in both quick approvals and bespoke solutions. Their focus is on delivering tailored finance with diverse security options.

Loan and pricing details

• Min amount: £3,000
• Max amount: £500,000
• APR min: 7%
• APR max: 15%
• Loan durations: 3 to 72 months

Funding range note: £3,000 to £500,000

Speed: Quick approvals with flexible terms

Interest rate notes: Fixed and variable options available, starting from 7%.

Eligibility

• Min trading months: 6
• Min monthly turnover: £8,000
• Credit flexibility: Moderate to flexible

Personal guarantee: Generally required for unsecured loans.

Homeowner advantage: May assist in securing better rates.

Services and sectors

• Products: term_loan, invoice_finance, cash_flow_finance
• Industries: Retail, Healthcare, Automotive

Best for

• Businesses needing flexible loan sizes
• No collateral loans

Pros

• Range of products
• Flexible terms

Cons

• Personal guarantee often needed

Sources: https://nucleuscommercialfinance.com/ https://www.finder.com/uk/business-loans/nucleus

Final notes

When comparing providers, match loan size, timeline, and sector fit first, then confirm current rates and fees with the finance provider. If one option declines your application, a broker or multi lender panel may still place the deal.

Choosing the right provider depends on your specific needs. Bank finance suits larger, secured loans but may have slower processes. Brokers and specialists often offer quicker, flexible options with different security levels. Always verify current details through the Funding Agent."