Which lender offers better value, Accelerated Payments or 365 Finance?

Neither lender is universally cheaper. Accelerated Payments prices using a discount fee on funded invoices, while 365 Finance uses a fixed factor rate on a merchant cash advance. The better value depends on your invoice profile, card sales, funding duration, and how often you use the facility.

What are the key eligibility criteria for Accelerated Payments and 365 Finance?

Accelerated Payments targets limited companies with around two hundred and fifty thousand pounds or more in annual turnover that invoice creditworthy business customers, including exporters. 365 Finance typically looks for at least six months trading and a minimum of ten thousand pounds per month in card takings, with no asset security but a director guarantee in most cases.

How do fees and pricing differ between Accelerated Payments and 365 Finance?

With Accelerated Payments you pay a discount fee on the value advanced against each invoice for the number of days it is outstanding, sometimes plus a service fee. With 365 Finance you agree a single fixed cost using a factor rate, and repay the total by sharing a percentage of daily card sales, with no additional interest calculations.

How quickly can each lender release funds?

Both lenders focus on speed. Accelerated Payments can approve buyers and fund approved receivables within roughly twenty four hours once documents and checks are complete. 365 Finance aims to give a decision within about one working day and then release the advance to your business account within a few days of approval, subject to underwriting and data checks.

Which lender suits invoice based B2B firms versus card heavy retailers?

Accelerated Payments generally suits B2B firms that issue invoices on credit terms to large or credit insured buyers, including exporters that want to fund specific receivables. 365 Finance tends to suit retailers, hospitality and service businesses that take most revenue via card terminals and want repayments that rise and fall with card sales instead of fixed instalments.

What should I consider when choosing between invoice finance and a merchant cash advance?

Start with how you get paid. If most income is from B2B invoices with extended terms, selective invoice finance from a provider like Accelerated Payments can unlock cash against those receivables. If income is dominated by card sales, a merchant cash advance from a lender such as 365 Finance can provide a lump sum repaid as a share of takings. Compare total cost, impact on cash flow, need for guarantees, and how each option fits your long term funding plans.

November 27, 2025

Lender Comparisons

Accelerated Payments vs 365 Finance Comparison

Compare Accelerated Payments and 365 Finance for loans, interest rates, and customer service.

James Laden

Co-founder and CEO

This guide compares Accelerated Payments and 365 Finance. It is written for UK SMEs weighing invoice-based funding against card takings finance. We look at products, costs, speed, and eligibility. The aim is to help you decide what fits your cash flow now.

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TL;DR

Accelerated Payments offers non‑recourse selective invoice finance. Good for B2B invoices, larger debtors, and exports.
365 Finance provides a merchant cash advance with a single fixed cost repaid as a share of card sales. Good for card‑heavy traders.
Costs are structured differently: discount fees on financed invoices vs a factor rate on the advance.
Both advertise quick decisions. Cash can land within days once set up.
Pick based on how you get paid: invoices to businesses or card sales from customers.

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Invoice funding vs card-takings finance: see where each lender fits

This dashboard turns the comparison into eight quick charts. Each tab shows a single view for Accelerated Payments and 365 Finance. Read ranges as bars and typical points as dots. Use it to judge price shape, usable amounts, likely timelines, and practical frictions. It helps a UK SME decide which route supports cash flow today and what to ask before you apply.

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Bars show the effective monthly cost range based on the worked examples. The dot marks a typical point. Pricing shifts with credit quality, sector risk, security, and term. A 1% rate gap on £100,000 over 5 years changes the monthly by about £0 and total interest by about £0. Prioritise a lower typical when cash is tight month to month; a wider range matters when your file could price at the high end.

Bars map min to max. Accelerated Payments supports selective receivables, so larger single invoices and facilities are possible. 365 Finance advances track card takings. Use cases: working capital and export invoices for AP; refurb, stock, or campaign spend for 365. Bigger fixed facilities may exist with AP for suitable debtors. Remember affordability and security set the true ceiling, not just the headline max.

Bars show typical duration bands in years. Longer terms cut monthly cost but raise total interest. At £50,000, 3 years versus 6 years changes the monthly to about £0 vs £0 and adds roughly £0 of interest over the longer route. Longer terms suit seasonal cash flow or growth plans; shorter suits low-risk, quick-pay invoices.

Each bar splits the journey: application to decision, then decision to funds. Dots show the fastest case. Delays come from document checks, bank statements, and, for invoices, buyer verification or security steps. If payroll is due in 5 days, lender B’s faster path is safer. Fast paths assume clean files, quick signatures, and full data.

Scores reflect simple inputs: booleans count as 1, integrations are counted, and UX is on a 1–5 scale. Value in practice: open banking speeds checks, APIs help multi-account firms, and strong mobile UX supports on-the-go approvals. Busy owners and multi-entity groups benefit most. If this matters to you, confirm integrations and portal features before you apply.

Left axis shows star ratings; right axis shows NPS where available. Higher review volumes give steadier signals. Branch and case differences mean experiences vary. Read recent reviews and match themes to your needs, such as speed, document demands, and portal ease. Treat outliers with caution.

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Products and Terms at a Glance

Accelerated Payments overview, loan sizes, fees, repayment style, terms, eligibility

Product: Selective invoice finance on a non‑recourse basis. You choose which receivables to fund and when.

Typical facility and transaction sizes: Case studies show single receivables comfortably above £1 million are possible, with facilities in the £1–3 million range for suitable firms. Smaller SME deals are common too.

Pricing: Discount fee on the financed receivable for the days outstanding. May include a service fee. No personal guarantee stated for standard facilities.

Repayment style: Your customer pays the invoice into a designated account on due date. The advance plus fees are settled from that payment. No fixed monthly instalments.

Speed: Buyer approval and onboarding are streamlined. Decisions and funding can occur within 24 hours once receivables are approved.

Eligibility: Limited companies with c. £250k+ annual turnover, selling to credit‑insurable buyers in OECD markets. Export receivables supported. Sector agnostic.

Sources: Accelerated Payments product pages confirming selective receivables finance, non‑recourse structure, 24‑hour approvals, no personal guarantees, export capability, and large single receivable funding examples.

Pros of Accelerated Payments

Non‑recourse structure can include bad debt protection on approved buyers.
Select individual invoices. No need to finance the whole ledger.
No personal guarantees stated for typical facilities. Useful for directors.
Works for exports and multi‑currency receivables.
Can fund large single invoices when concentration is high.

Cons of Accelerated Payments

Best suited to B2B invoicing with creditworthy buyers. Retail or cash businesses may not fit.
Overall cost depends on the time to payment. Slow‑paying debtors can raise fees.
Requires buyer verification and eligibility checks, which takes coordination with customers.

365 Finance overview, loan sizes, fees, repayment style, terms, eligibility

Product: Merchant cash advance (revenue‑based finance) branded as Rev&U.

Advance size: Typically £10,000 to £500,000. Amount ties to monthly card takings.

Pricing: One fixed cost agreed up front using a factor rate. No APR. No fixed term.

Repayment style: A small pre‑agreed percentage of daily card sales, often 5% to 15%, is collected automatically until the balance is cleared.

Speed: Approval targeted within 24 hours, with funding into your account within days once approved.

Eligibility: UK trading for at least 6 months, and at least £10,000 per month in card sales. No asset security required. A personal guarantee is commonly required.

Sources: 365 Finance product and eligibility pages confirming £10k–£500k advances, 6 months trading, £10k+ card takings, fixed fee, and 5%–15% repayment percentage.

Pros of 365 Finance

Repayments flex with sales. Slower months mean smaller deductions.
No asset security. Set‑up and underwriting are lightweight for most SMEs.
Single fixed cost known up front. No compounding interest.
Quick decisions and simple application. Renewal and top‑ups available.

Cons of 365 Finance

Cost per pound can be higher than bank loans. Factor rates vary by risk.
Only suits businesses with strong card takings. Bank transfer or invoice‑heavy firms may not qualify.
Daily holdbacks reduce cash received from card settlements until repaid.

Costs and Repayments in Practice

Pricing works differently. Invoice finance uses a discount fee on the value advanced against each invoice for the days outstanding. Some lenders add a service fee. A merchant cash advance uses a factor rate to set a single total repayable. Repayments happen as a share of daily card sales rather than a fixed monthly amount.

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Feature	Accelerated Payments	365 Finance
Product type	Selective invoice finance (non‑recourse)	Merchant cash advance with fixed fee
Typical funding range	From tens of thousands to multi‑million single receivables, facility potential into the millions	£10,000 to £500,000, linked to card turnover
Pricing model	Discount fee per day outstanding, plus possible service fee	Factor rate sets one total repayable, no APR
Security	No personal guarantees stated for standard non‑recourse facilities; debtors insured	No asset security; personal guarantee typically required
Repayment	Customer pays invoice at due date; lender collects from proceeds	% of daily card sales until balance clears, usually 5%–15%
Speed	Receivable approval and funding often within 24 hours	Approval within 24 hours; cash within days
Eligibility snapshot	Limited company, c. £250k+ turnover, B2B invoices to credit‑insurable buyers	6+ months trading, £10k+ monthly card takings

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Worked example: Accelerated Payments (assumptions for illustration only). Your firm raises a £50,000 B2B invoice on 30‑day terms. You select it for finance and receive an 85% advance, so £42,500 on day 1. Assume a discount fee equivalent to 2.5% for 45 days (customer pays a bit late) plus a service fee of 0.5% of invoice value. Total fees ≈ £1,250 + £250 = £1,500. When your customer pays £50,000, the lender deducts the £42,500 advance plus £1,500 fees. You receive the remaining £6,000. Effective cost ≈ 3.0% of invoice for 45 days. This is an example only. Actual pricing varies by debtor risk and days funded.

Worked example: 365 Finance (factor‑rate model). You take a £50,000 merchant cash advance at a factor rate of 1.25. The total repayable is £62,500. Repayments are set at 12% of your daily card sales. If your card sales average £80,000 per month, 12% equals £9,600 collected per month. The advance would clear in roughly £62,500 ÷ £9,600 ≈ 6.5 months. There are no extra interest charges if you repay faster or slower. Cash received from card settlements is reduced by the holdback until the balance is cleared. This is an example only. Actual factor rates and holdbacks vary by risk and sector.

Speed and Service

Both lenders emphasise rapid decisions. Accelerated Payments highlights buyer approval and receivable funding in as little as 24 hours once invoices are verified. 365 Finance states decisions within 24 hours and funding within days after approval. Real‑world timelines can vary by how quickly you provide data and, for invoice finance, how quickly customers verify receivables.

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Who Each Lender Suits

Typical scenario for Accelerated Payments

A manufacturing supplier invoices an approved UK retailer for £250,000 on 60‑day terms. The supplier wants immediate working capital to buy materials. Selective non‑recourse invoice finance releases cash on that single invoice, with bad debt protection tied to the buyer. It works even better for exporters invoicing OECD buyers in hard currency.

Typical scenario for 365 Finance

An established café group takes £120,000 per month via card terminals. A merchant cash advance of £80,000 helps fund a refurb and marketing. Repayments track turnover at, say, 10% of card sales, so quieter months are easier on cash flow. No asset security is needed. A director guarantee is usually required.

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How to Apply

Application steps and documentation required for each lender

Accelerated Payments. Apply online. Provide company details, recent accounts or management information, debtor lists, and sample invoices. They approve buyers, then specific receivables. Expect to share invoice copies and proof of delivery. Once a receivable is approved and verified, funds can be advanced and settle when the debtor pays.

365 Finance. Apply online. Share trading history, card processing statements, bank statements, and ID for directors. If eligible, you receive terms showing advance size, fixed cost, and a proposed holdback percentage. On acceptance, funds are sent to your business account. Repayments are deducted from daily card settlements automatically.

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Final Verdict: Which Lender Fits Your Business Best

Choose Accelerated Payments if…

Your revenue is mainly B2B on credit terms and your customers are credit‑insurable.
You want non‑recourse cover and to avoid personal guarantees where possible.
You need to pick specific invoices to fund, including large or export receivables.
You prefer repayment from debtor proceeds rather than fixed instalments.

Choose 365 Finance if…

Your takings are mostly by card and at least £10,000 per month.
You want a single fixed cost with repayments that flex with sales.
You need fast, unsecured funding for inventory, refurb, or seasonal costs.
You are comfortable with a daily holdback from card settlements until repaid.

Still unsure which route to take? Compare wider options like unsecured business loans, working capital loans, and term loans. Speak with Funding Agent or send the enquiry form. We will outline options and help you compare terms.

Sources

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FAQs

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