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Clarity 6 · Confidence 8 · Completeness 10

Merchant Cash Advance

Merchant Cash Advance is a loan of £5,000 to £500,000 for micro, small and medium-sized businesses across the United Kingdom that take at least £5,000 a month in card sales. Open, no fixed deadline.

Run by 365 Finance

Checked against the official page (365finance.co.uk) on 29 Oct 2026.

An unsecured business cash advance from 365 Finance, repaid as a small percentage of future debit and credit card sales. Offered to businesses with monthly card sales above £5,000 and at least 6 months of trading.

Apply or find out more Official page

These details are gathered from public web pages and are not financial advice. Check them with 365 Finance before you apply.

Could your business apply? Check in a few seconds

Status and deadline

Status

Open all year

Confirmed on the official page

Deadline

Open all year

Confirmed on the official page

How much

£5,000 to £500,000

Confirmed on the official page

Who can apply

Businesses must take at least £5,000 per month in credit or debit card sales and have been trading for at least 6 months.

Confirmed on the official page

Business size

Micro (under 10 staff), Small (10 to 49 staff), Medium (50 to 249 staff)

Confirmed on the official page

Could your business apply?

Tell us about your business and an AI will compare it with this scheme's rules: what fits, what doesn't and what to check with 365 Finance. It takes a few seconds.

We send what you type, and this scheme's details, to an AI. We don't keep it unless you save it as your profile. More about this

How to apply

Complete the application form via the Get a quote link, or request a callback.

Not confirmed on the official page

Where it is open: UK-wide

United Kingdom

Not confirmed on the official page

HartlepoolMiddlesbroughRedcar and ClevelandStockton-on-TeesDarlingtonHaltonWarringtonBlackburn with DarwenBlackpoolKingston upon Hull, City ofEast Riding of YorkshireNorth East LincolnshireNorth LincolnshireYorkCounty DurhamCheshire EastCheshire West and ChesterNorthumberlandCumberlandWestmorland and FurnessNorth YorkshireBurnleyChorleyFyldeHyndburnLancasterPendlePrestonRibble ValleyRossendaleSouth RibbleWest LancashireWyreBoltonBuryManchesterOldhamRochdaleSalfordStockportTamesideTraffordWiganKnowsleyLiverpoolSt. HelensSeftonWirralDoncasterRotherhamNewcastle upon TyneNorth TynesideSouth TynesideSunderlandBradfordCalderdaleKirkleesLeedsWakefieldGatesheadBarnsleySheffield

Open across United Kingdom, so every council area in the North of England is shaded.

Drawn from the areas the funder names. If a scheme is only for part of a council area, check its own page. Boundaries from the Office for National Statistics.

Things we could not confirm

  • Repayment period is given as 5 to 10 months in one place and 6 to 10 months in another
  • Page is a commercial provider's page; the stated 'no interest' cost is not independently verified
  • Rev&UTM is mentioned in the calculator but not explained

Have you used this scheme?

Rate it to help other businesses decide whether it is worth their time. Once 3 businesses have rated it, their ratings move its Local Landscape rating up or down a little. We never show who gave a rating. How ratings work

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Related open schemes

Everything open across the North

Source and last checked

Local Landscape gathers this information automatically from the pages below, then checks the key details against the official page. Checked against the official page (365finance.co.uk) on 29 Oct 2026. Its details last changed on 29 Oct 2026. No person has checked it, so confirm the details with 365 Finance before you apply.

Run this scheme? Claim 365 Finance's page to keep it right.