365 Finance Business Loan
365 Finance offers business loans between £10,000 and £500,000 with a 90% approval rate and no need for security or business plans.
Last checked on September 4, 2026. We may earn a commission when you click through.
365 Finance Business Loan
Updated 1 month agoAPR Range
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Amount
£10k–£500k
Term
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Type
business
You'll be redirected to 365finance.co.uk
Our Verdict
With a fast approval time of just 24 hours, this loan could be ideal for businesses needing quick cash. However, the lack of security requirements may result in higher costs for some borrowers.
Best For
Small to medium-sized UK businesses needing rapid funding without extensive documentation.
Watch Out
The absence of security could lead to higher interest rates, impacting long-term affordability.
Pros
- Quick approval within 24 hours
- No collateral or business plans required
- High approval rate of 90%
- Flexible loan amounts from £10,000 to £500,000
- Transparent fee structure without hidden costs
Cons
- Potentially higher interest rates due to lack of security
- Limited information on exact APR
- Customer service may vary in quality
- Users might find the loan terms complex
- Not suitable for businesses needing low-cost secured loans
Full Review
If you require funds quickly, 365 Finance’s 24-hour approval time is certainly appealing. The ability to borrow between £10,000 and £500,000 without needing a business plan or collateral is for many businesses. While the 90% approval rate is promising, be aware that this could come with higher costs than secured loans.
The absence of security means that lenders may charge higher interest rates, so it's the total cost of borrowing. Customer service feedback suggests a generally positive experience, but some users report challenges in understanding the loan terms. It's advisable to clarify any uncertainties before committing.
According to the provider's site, there are no hidden fees, but always confirm the details directly to avoid surprises. Ensure you understand the repayment terms and any potential charges for late payments.
Who Is This For?
UK-based businesses requiring immediate funding without the need for extensive documentation or collateral.
What Borrowers Say
Borrower feedback highlights quick access to funds, though some have noted high repayment costs.
Summary
365 Finance provides business loans ranging from £10,000 to £500,000 with a 90% approval rate and no security or business plans required.
About This Loan
Requirements
- UK-based business
- Accept card payments
- No security or business plans required
- 90% approval rate
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